WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2016 through XX/XX/2016 I received a set ( 8 sessions as outpatient ) of XXXX XXXX XXXX ( XXXX ) at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OK XXXX Dept. Phone # XXXX Main Phone # XXXX Back then I had a health insurance through " XXXX '' ( Through my wife employer ). I personally paid all the hospital 's bills ( co-pays ) for each session. Then I have been harassed by " XXXX XXXX XXXX XXXX XXXX '' to pay 2 XXXX bills of : {$1400.00} and {$870.00}. So I returned back to both " XXXX '' and " XXXX XXXX XXXX '' ( where the procedures/treatments took place ), both informed me that I should Not pay separately for the XXXX as my co-pays from the hospital included every thing. Both Hospital and the insurance company assured to me many many times that XXXX was taken care of through the insurance company and the co-pay bills which I paid all in full. Nevertheless the " XXXX XXXX XXXX XXXX XXXX '' insisted to impose the bills which exceed the whole 8 treatments co-pay bills. Now these 2 bills have been passed to a collection entity called " AFFILIATED MANAGEMENT SERVICES '' which severely affect my credit report ... .Why would I pay separately to another ( contracted ) entity for a service provided by XXXX XXXX XXXX ? .... " XXXX '' is a huge medical provider, there is no logic for XXXX to let its contractors ( out sourced ) to bill directly the patients especially XXXX assured to me that these bills are not legit while the insurance company assured that they took care of all that and I am not supposed to receive bills from " XXXX XXXX XXXX XXXX XXXX '' ..Please help
XXXX Transaction : Thru XXXX. {$1200.00}. 
Item ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. 
The purchaser then had buyers remorse and requested a REFUND. 
The buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled.
Heartland XXXX proctors my student loan from the University of XXXX. They are supposed to send me quarterly statements for me to return payment via check. They frequently fail to send out statements ( 3 times in past year ) and then require me to submit payment through their website and pay a  convenience fee, or pay a late fee to pay by check. I have called monthly to discuss with the company, and I believe that Heartlands XXXX is deliberately obstructing my ability to pay via check in order to force me into an alternative payment method that they charge additional fees for.
This is the second compliant I have filed against Equifax for the same reason and the same credit card company. I am fed up with Equifax, if the cant report the correct information maybe the should be in a different business. This makes me think they sabotage consumers credit intentionally. I have a credit card with XXXX that is not over the limit and the payments are up to date. The Equifax is reporting that my credit card is over the limit and 120 days past due, this is a flat out lie. Again, I ask why are n't the other credit reporting agencies reporting this nonsense, no one is reporting this but Equifax. My next step is to file a lawsuit against Equifax for intentionally reporting incorrect information. After they reported this incorrect information this caused my credit score to drop XXXX-XXXX points. I have documentation showing this credit card IS NOT behind and its not 120 days past due! I am sick of incorrect information being reported by this bureau. I want my credit report corrected today!
According to the Fair Credit Reporting Act, Section 609 a. 1. A., you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof an original Consumer Contract with my Signature on it for any inquiry you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
Experian has not complied with any of my request I ask that my inquries that I list be verified with my signature or be deleted. 

XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX Date of request XX/XX/XXXX XXXX  Date of request XX/XX/XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX XXXX XXXX Date of request XX/XX/XXXX Account name XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account name XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX
There is a claim listed on my credit report that I do n't recognize. I have never received any communication regarding this claim. I can not get through to the credit collection agency listed. I 'd like to know what it is and will pay it if its legitimate or I 'd like it removed from my credit.
My credit report shows some medical collection on XXXX ( REVENUE RECOVERY CORPORATION shows 2 collections from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX shows 1 collection from PHYSICIAN SERVICES AT XXXX ) which all have been taking care of from a workscomp claim. I needing to get the correct infomation from someone to have this removed from my cerdit report please.
Portfolio Recover Associates is reporting a revolving account, as a factoring company, on a monthly basis on my credit report. The account that they claim to have purchased was in charge-off status prior to their acquisition of the debt and is therefore being reported inaccurately. This was disputed with the credit reporting agency in XXXX of 2015, and the collection agency verified the account and continued to report a monthly payment history to the CRA. They have also failed to provide the requested verification documents to prove the validity of the debt and the amount owed. In section XXXX of the recent Consent Order on CFPB File # : XXXX, it is stated that Portfolio Recovery Associates has a history of misrepresenting their intention to prove debts, and that misrepresentation is in violation of Sections XXXX XXXX XXXX and XXXX XXXX XXXX of the XXXX. Knowingly reporting inaccurate information to a credit bureau, as evidenced by their verification of my previous dispute, is also in violation of the FDCPA.
This company - American Financial Resources- is a repeat violater of the " Periodic Statement Rule '' of the " Dodd-Frank Wall Street Reform and Consumer Protection Act ''. " The Consumer Financial Protection Bureau ( CFPB ) implements these rules. Under the periodic statement rule, your mortgage creditor or servicer must provide you with a mortgage statement each billing cycle ( usually monthly ) that meets certain timing and content requirements. In most cases, the statement must be sent within four days after the end of the courtesy period of the previous billing cycle. A " courtesy period '' is the time period between the date the payment is due and the date the late charge kicks in. '' In my case the grace period is the XXXX of each month, after which late payments kick in. So, that makes the latest that AFR is supposed to have my eStatement available online as no later than the XXXX of each month. They have, on four occasions since XXXX XXXX, 2016 failed to provide me with my eStatement by the time period required by law. I have had to email them about this each time and they are always late in getting the eStatement to me. The last eStatement that is available to me is for XXXX XXXX, 2016. At this time they still do not have my XXXX eStatement available for me to download - and today is XXXX XXXX, 2016.
Experian is reporting an account from XXXX XXXX XXXX, which is incorrect.
Account was taken over by XXXX. Credit history showed account in good standing from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX the account was reported to the credit bureaus as 90 days late. No information was reported in XX/XX/XXXX, and account showed current in XX/XX/XXXX. It is impossible that there could be a delinquency of 90 days in a month of 31 days. There was a minor delinquency that was caused by a payment going to the old servicer instead of the new, but a forbearance was granted retroactive to the first day of the delinquency, which negates the delinquency. I have attempted to have the item removed but have been unsuccessful.
In XXXX of XXXX we purchased a home. As a first time home buyer I was thrilled. With the type of loan we have, we legally have to escrow our home owners insurance and tax. At some point in mid XXXX, US Bank stopped escrowing for insurance without notifying us or doing so with our approval. We were then contacted by our insurance company letting us know they have n't received payment from US Bank and if this issue was not resolved we would face cancellation of our policy. Many phone calls were placed by us and our financial advisor to try and rectify the error made by US Bank with no success. Now in XXXX XXXX we have received an Escrow Shortage Coupon for an extremely large amount US Bank is needing us to pay for the difference from when they stopped escrowing. We are not disputing that an amount needs to be paid, but are upset with the financial hard ship we are facing with this increasingly high payment due to their error. We called today, XXXX XXXX, XXXX and they gave us 2 options. Spreading that amount over 24 months but still leaving us with a very high payment we are going to have a very hard time making, or doing a consolidation process that will effect our credit. I am not comfortable with either because like stated above, the 1st option leaves my husband and I in a tough spot with trying to make up that higher payment all the while having to feed and care for our XXXX children, and the 2nd effects by credit which I do n't feel comfortable doing either because this was all fault of US Bank. We are a law abiding family of XXXX. My husband and I XXXX in our XXXX as he is a XXXX and I am a XXXX XXXX for our XXXX XXXX. We understand people make mistakes, but the one made by US Bank has left us in a financial crisis and we are hoping and praying this can be taken care of as soon as possible. Thank you.
Recently my family has been going through a finical hardship and are only able to pay our bills that are necessary. I called Franklin Collection Services to cancel our XXXX $ a month payment, and the XXXX $ charge they add to that payment because we simply can't afford to pay it for a couple of months, and can not afford the risk of them taking money out of our bank account monthly. I am still able to pay some on our accounts, but I can't give a def amount of how much or when I can pay. They are refusing to stop payments, stating that " you are making payments so we won't sue you ''. I asked to also get a copy of all of my husbands and my accounts, along with the account numbers and how much we owe. They refused to send me that information, which I should have access to. I have actually gotten all my account info from them in the past, and recently filed a similar report about this very issue. After I filed a report about them not giving me my account info, I was sent my account info. Now they are stating they don't send it out that I don't have access to that information. 
At the end of the phone call today after they said that my husband needs to call to try to figure out ways to pay this months payment. I was the one who set up payments because I am on the account with my Husband, and I also told them that we just simply did not have the money to pay it this month. 
Once we are finically stable again, I can of course pay more on this account or continue to pay the same amount as I did the last few months.
The company originally had my account listed right but since has changed it to being wrong again. : / I just wish they could get the reporting of accounts right
I have been disputing stuff on Experian credit report agency for almost a year. They They do n't respond in the timely manner. Disputes takes over 30days should remove from Experian credit report. At least that 's what the law indicates. I would like to escalate this problem on a bigger issue. report this agency. 
Please help me in this matter as this is getting very annoying. My family is looking to buy a house and this is a burden on me.
I received my direct deposit on XX/XX/XXXX for {$890.00}. I was notified on XX/XX/XXXX by a text alert that my balance was {$.00} I immediately called American Express Serve and reported the 2 fraudulent transfers {$400.00} & {$490.00} and was told there would be an investigation. I followed up with them and was told i was being declined the reimbursement because of section 15d of the user agreement ( fraudulent activity ) That is what I called to report. I received a check from American Express Serve for {$.00} with a note on the stub saying " Your American Express Serve account is now closed. As you requested. we are providing you with a check for the amount of your available balance. '' I never requested the account be closed I requested my money be returned that was fradulentlly removed. Now when I call customer NO service they have no account to pull up. Please help I litterally lived on peanut butter and jelly and the graciousness of my co workers for 16 days.
This is coming after CFPB complait # XXXX. I paid my rent was twice accounted for then sudden several false charges were put on my account then 3 days later my rent was returned as unpaid. This is the same thing that happened in XX/XX/XXXX of this year involving both XXXX apartments and someone inside Huntington bank. Some of the items taken out of my checking account but not due or paid too items I dont have are {$50.00} to XXXX, & XXXX XXXX payment not due to XX/XX/XXXX. {$50.00} XXXX not due to the XX/XX/XXXX, & XX/XX/XXXX Coinbase not due toXX/XX/XXXX. All these items including other charges coming up to {$1200.00} were all paid after my rent payment but somehow that payment was listed as low funds after shown as paid. Also the first item that happened was that my debit card was locked without reason. I called as asked for explanation but no reason was given and no alert was shown on my XXXX website nor any alert texts sent to me. Again the XXXX phone person wouldnt identify themselves.
Debt Collector repeated call to my number and parents telephone number. Also, paid past due amount and debt collector attempted to get me to pay more.
XXXX, This Credit Card is over 15 years old and Has already been removed off of my credit report. Bank of America Sold this loan to these people and they are trying to reopen a case and has been calling me and sending me notices. Additionally, they are making robot calls about taking me to court to settle this dept. This calls seem to orignate in Georgia.
I have requested a copy of account details for this account with Target National Bank. Target states they sold my credit account along with all account details. Target is not reporting my full account details on my credit report and are violating my Fair Credit Reporting rights. I am requesting verification of account billing and payment history details. I have contacted XXXX XXXX the company Target says they sold the account to and they said they too have no records for this account and no longer have the account. I would like the account information deleted and removed unless Target can provide documents to prove the facts they are reporting to all XXXX credit bureaus
On X/XX/17 my bank account which included exempt funds was frozen. I was never notified of impending legal action or court proceedings involving this alleged debt. Upon further investigation papers were served to an invalid address in XXXX XXXX which I was never associated with. Court also had no record of lien until X/XX/17 late afternoon. Funds were withheld prior to that. Funds held caused undue hardship as I am a single mother and those funds were child support received. I had no access to any money whatsoever to care for myself or dependent child. Collection agency also refused to verify any information about debt without me providing them my place of employment. " XXXX '' was rude and unhelpful.
National credit system account number are asking g too much for XXXX month rent I was. Not their to defend my self in court the rent was XXXX a month one month how can this rent plus a court cost of XXXX pluses XXXX an the cleaning how can that add up to XXXX that is why I want someone to vestigate I am not in no way to pay that I tried to work this out but they are abusing an taking advantage of the public an the credit bureau
I opened a Wells Fargo checking account on XX/XX/XXXX as part of a promotion that would provide a {$250.00} bonus after opening a new checking account and setting up a direct deposit amount of {$500.00} or more within 60 days of account opening. All terms of this offer were met and completed on XX/XX/XXXX. The bonus was supposed to be issued within 45 days of meeting the terms of this offer. It has now exceeded 45 days. The bank is now claiming that I was not targeted for this offer on their internal system. <P/>I have attached the screenshot from Wells Fargo describing the offer as well as a copy of my checking account application email confirming my enrollment in the offer.
I did enter in a Vehicle loan by a vendor which used tactics which make the whole process a nightmare. Over time, I did have to contact the bank ( XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX ) to renegotiate the loan due to financial hardship issues in my family. 

Per some unknown reason, the bank keep denying the process without any reason. 
When I contacted them ( several times ) l the bank asked me to find a " loan assistance specialist '' from the closest branch office. 

When I went there and explain the issue to this " specialist '', the only thing he did was pickup the phone and dial the same phone number which I did previously contacted. 

This time, they defer one single payment to 30 days more and they asked me to request " refinance '' via an on-line process. This last was denied without clear reason and I still asking them for help which they keep denying. 

Is there any way to get any help from this bank?
A hard pull was done on my credit report on XXXX XXXX, 2017 for a checking/saving account with ( NFCU ) Navy federal credit union. Then NFCU did another hard pull on my credit report for a credit application I did on XXXX XXXX, 2017. XXXX hard pull inquires within a 30 day period from the same company.
We have XXXX business products with Fifth Third Bank and recently I made two payments 8 days after the due date. The bank has hiked the rate up to 29.99 % on both accounts. I believe this has been done on discriminatory bases because we are a minority owned business. We are asking the bank reduce our rate back to previous afforable rates as before. Also, monitor Fifth Third to see if they are enacting predatory and discriminatory lending practices.
This is a loan for solar panels on my house from XXXX XXXX. The company set up a new payment system and informed me that I would need to re-register to have my automatic payments made. 

This happened 6-8 months ago, and since then automatic payments keep getting rejected because they claim I do n't have an account.

This requires constant vigilance and calls to them.
After leasing my car for 2 years, I got a loan and purchased the car. I paid on my loan, and after almost one year, Kia Motors finance contacted me and told me they were going to repossess my car for not paying on the lease for 357 days. They never ended my lease, even though I had a loan through XXXX XXXX. As a result, my and my wife 's credit was adversely compromised. Also, in 357 days, I never received a letter, email or phone call regarding a late payment, or I would have addressed the issue immediately.
Mr Cooper formerly nationstar has XXXX workers there. But know one cares.. 
I have been applying for this scam of a modification for 7 years when I finally was accepted I sent over 15,000.00 and someone in the Dept cashed the checks and kept them. Why is it so difficult to find out this information.. 
I've been waiting on hold here In the mean time the house had a electrical fire and my son was in the hospital and recovering from XXXX from the fire. 
Still no help from nationstar. 
XXXX XXXX took all the money Her phone number XXXX Why can't anyone find the theif there Why do I have to suffer for 7 years because of nationstar workers.. 
No one has cared to help me over this terrible case .. I'm a victum here I have been waiting for a response from loss mitigation. I get nothing. My attorney gets no response because for 2 years they have failed to update my attorneys new address.. 
My hands are tied with this fraudulent company .. 
Please please help me
A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. 

In the past ( XX/XX/XXXX ), I had sent Specialized Loan Servicing documentation showing the correct information that is needed to calculate the proper property tax amount. I was informed that they did not receive that information. 

Can you assist me in helping Specialized Loan Servicing understand their errors and calculate the correct mortgage payment?
We had paid for a trip with XXXX using our Citi Credit card. The company took our money and then never returned it or paid the XXXX party for the service. The company essentially stole our money without providing any good or service. We noted this to citi multiple times noting that XXXX had taken our money and then declared bankruptcy. Citi noted there was nothing they could do besides for disputing claim with XXXX and their merchant bank. I believe this would constitute a billing error and Citi has never sufficiently answered this problem concerning the issue. It appears citi credit cards provide no protection and citi is unwilling to be responsible for stolen funds from our credit card.
I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
I have requested a payoff ad nauseam to a avail. I continue to get voice mail. I have left VM for the telephone office ... 
Springleaf Financial Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX I even applied for a new loan ... no answer ... no once has called me. I am okay if not approved but I still need a payoff. A simple call back would be greatly appreciated.