WillisBack/dataset-financial-user-claim huggingface dataset:
Care Credit was trying to process a chargeback for a patient for services already rendered and demanded we send them a detailed list of all services rendered for the patient. Our patient 's mother paid for her care plan with Care Credit and our understanding of HIPAA ( TPO ) is that only outstanding debts or current debts are covered in normal exempt transaction, chargebacks not being XXXX of them. Also, Care Credit does not have a direct relationship with our patient, but rather with our patient 's mother, who was present and approved the use of her Care Credit card and signed for the transaction. We tried to reach someone at Care Credit and called over XXXX numbers and left XXXX different messages for representatives. We refused to send the detailed list of services rendered and so the chargeback was issued. Despite numerous attempts to contact a representative that we could speak to about why we were refusing to send the information requested, their response was that nothing could be done, that we needed to send the patient to collections if we felt the chargeback was not warranted. Upon contacting the patient, she stated she never asked for a refund on services already rendered. She simply requested that a late fee be refunded. This patient was informed that unfortunately she would be sent to collections now and that CareCredit said she or rather her mother the cardholder could contact them to lodge a complaint. Our patients ' privacy is important to us. If we perceive an issue to be a possible violation, we inform ourselves as best as possible and always err on the side of caution rather than violate our patients ' trust. After extensive research we feel that what Care Credit asked us to do was a violation of HIPAA policy. We do not have a Business Associate Contract signed with them as the usual transactions performed are exempt. We also spoke to XXXX of their representatives ( XXXX at XXXX on XXXX at XXXX ) who, after speaking with her supervisors, informed us that they would never ask for a detailed list of services rendered because that would be a violation. She also faxed over their policy regarding HIPAA. Care Caredit not only processed a chargeback that was never requested by our patient, but they threatened and followed-through with refunding our patient for services rendered unless we sent information that would have caused us to violate HIPAA law since we did not have a release form from our patient authorizing us to disclose her treatment. Attempts to contact someone were unsucessful and our messages were not returned. If you need any further information, please contact me at XXXX or at XXXXXXXXXXXX. 

Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
I took out a loan for {$42000.00}. 
The first month payment was {$3500.00} and then it was {$2500.00} a month after that. After almost a year of paying I called requesting a pay off amount. They told me the pay off would be almost {$47000.00}!!! I do n't understand how the balance goes up? 
Please help me resolve this. I have not missed a payment.
I received a XXXX loan to pay off debt. I was making the regular on-time payments and unforeseeably my work hours were cut. I immediately contacted Loan me regarding the matter and they refused to offer any options of repaying the loan. I sent them a cease and desist letter and canceled the ACH transactions that were set up. After speaking to numerous representatives, I finally spoke with a supervisor who was able to assist me. I was originally paying {$840.00} a month at 95 % interest to {$500.00} a month at 0 % interest for 20 months until the loan was paid off. I requested something in writing of the new loan term but Loan Me refused to send me anything. Before I could make the payment, I went online to my account to submit the payment and they changed the loan back to the original terms without notifying me in writing. I called and spoke to a supervisor to inquire about the changes and he was rude and yelled I needed to make a payment immediately. I asked him where in writing did they make any changes and he refused to tell me and then hung up on me. I am currently working to repair my credit and am only trying to make my payments on this loan but they never told me they were changing the agreement back to its original terms. They also told me I was responsible in paying {$11000.00} back which was never the amount I owed on the balance. My original balance was {$9000.00}. The first payment I made was for {$1000.00}.
Hello CFPB employee, On XXXX XXXX, 2016 I sent a request for validation to XXXX. System regarding a collection account that they are reporting on my credit reports. Since sending the validation request I have not received a response or the requested information in my request to I.C.System XXXX XXXX, 2016 I sent a XXXX request for validation and again time went on and still nothing received to me from I.C. System. I.C. System has violated my consumer rights under the FDCPA by not supplying me with the proof needed to validate the debt they claim I owe. I 'am coming to you the CFPB for assistance for I.C.System to follow the laws they 're governed by. I 'm requesting that I.C.System to remove the collection debt ( I.C.System, Account # XXXX ) Balance {$310.00} with all credit bureaus, due to no response from the collection agency. Several attempts on my end as the consumer to resolve this matter with I.C.System has been made. 
( Resolutions request ) I think a fair resolution to my issue would be for I.C.System to remove the debt from my credit reports as they were not able to validate the debt they claim I owe. 

Thank you CFPB In advance XXXX XXXX
I bought my home in 2004 with Wells Fargo Home Mortgage services. The Wells Fargo loan agent refused to let me finance the mortgage as one complete 30 year mortgage and manipulated the closing process such that on closing day I was faced with either accepting an " Equity Line '' to finance half of the home or the closing could not proceed at all. I told the agent that I did not want, nor need an equity line to purchase the house but the agent was adamant that the Equity Line would not cost any more than a normal 30 year mortgage at the average rates XX/XX/2004. I was told that I could not buy the house any other way.
I have requested this to be verified several times with no resolution, I have child support that is not only being reported incorrectly, it's actually showing up twice on my report with incorrect amounts, incorrect dates, and I was never notified it would be put on my report. I have attached a screenshot of my credit report showing multiple reporting.
In 2003 I took out a Home Equity loan on my residence through XXXX Bank XXXX XXXX for approximately XXXX. A short time later in 2003 I also refinanced my residence mortgage with XXXX Bank XXXX XXXX for approximately XXXX. The loans were absorbed at some point by Bank of America where I had been paying on regularly until up until about a year ago. 

At that time I went through a divorced and my income level was reduced. I have had trouble paying on the loan for XXXX and the loan was handed of to XXXX XXXX. During my discussion with XXXX representatives about what was my first ( primary ) mortgage and what was the second ( equity ) I discovered that Bank of America had reversed them. I have since been in contact with the Mortgage Department at Bank of America who do not seem to understand that the mistake has been made. 

I have since spoken to a Bank of America manager who advised me that it did n't matter what was the first or second mortgage. That same manager stated upon speaking to the Mortgage Department they reaffirmed that the equity loan had been turned over to XXXX and was being treated as the primary mortgage. 

The primary mortgage on my residence has always been the lower of the XXXX loans. Contrary to what Bank of America personnel are saying it does matter which loan is considered the primary mortgage on the property. The reasons are many and especially given that XXXX was turned over to another lender and I am working to secure a refinancing program through them.
I never recieved any information about this debt, but its reporting on my credit report as late and closed. Its hurting my creditworthiness.
A XXXX XXXX XXXX who owns XXXX XXXX XXXX XXXX, XXXX knowingly committed Mortgage Fraud by misleading me into refinancing my VA loan to a FHA with the intent to purchase another home with the newly released VA certificate. He knew that the new house I wanted to purchase was only XXXX miles away from the newly refinanced FHA loan and he made both loans to be my Primary residence. 

On my Refi loan, I was told that the market rate for my home was around $ XXXX and I owed $ XXXX on the home. So XXXX told me I would n't need to come to the closing with any money, matter of fact I would be getting money back if I would take a hire interest rate. So he sent me XXXX different interest rates to choose from. But I was not to make the decision until the house was appraised. 

XXXX made the arrangements with the XXXX to come an appraise my home, the XXXX appraised my home at $ XXXX. That appraisal was about XXXX to XXXX below the market value of the last few homes that were sold in my area. This was an unforeseen mishap for me, but as I look back, it looks like it was intentionally done. 

Now because I was changing by VA loan to a FHA loan, I would have to come to the closing with up to $ XXXX just to get to the only 97 % financed threshold, plus additional monies for the closing cost. So XXXX gave me the XXXX interest rate scenario were if I would pick the XXXX interest rate I would get enough credit points to cover the additional closing cost. This would also drive my monthly mortgage rate to {$1600.00} ( XXXX FHA ) from my old VA rate of {$1500.00}. 

I had to go forward with this because on XX/XX/2016 I signed a contract to purchase the new home with the anticipated refi of the old home, releasing my VA certificate to use on the new home. XXXX also so gave me XXXX VA rates for the new house purchase. 

On XX/XX/2016, I had the closing of the XXXX, yes I had to come to the closing with $ XXXX. The only problem that I did n't notice in this closing was, XXXX had the XXXX set up as a Primary home, but he knew that I was renting the home out to my XXXX step daughters, so it should 've been setup as a XXXX investment home. 

Now XXXX arraigned for the new home to close on XX/XX/2016, but this is where things started to fall apart. We started to lose communications with XXXX between the third week of XX/XX/XXXX on. My realtor and I could not reach him for over 2 days once, so I reached out to the lender who he selected XXXX XXXX lending ). They gave me a contact number of the go between person of the loan. His name was XXXX, his phone number was XXXX and email : XXXXXXXXXXXX. But he never returned my call or emails, but after the first time I called and left him a message, XXXX reappeared on the seen. 

Then leading up to the last week before closing XXXX XXXX stop responding to our calls, emails, and texts again. Then all of a sudden he started responding on the Friday before the closing ( XX/XX/2016 ) that he was working hard with the lender and he could not tell me if the loan was going to close on Monday. Needless to say we did not have a closing on XX/XX/2016, matter of fact we could not get in touch with XXXX on the day of the closing.
I have XXXX loans serviced by Navient totaling {$25000.00}. Since graduating from XXXX University in XX/XX/XXXX I have been either unemployed or underemployed. At the time I was to begin making payments on these loans I requested payment information to cover any capitalization of unpaid interest and was given a dollar amount which was paid as instructed on a monthly basis. In addition, Navient never informed me of my options to avoid interest capitalization during any grace periods. To my surprise XX/XX/XXXX there was {$1500.00} of capitalized interest added to my loan balances. Given the fact that I was not informed of my options and that all interest payments were made as instructed by Navient I respectfully requested they remove such charges from my loans on several occasions. They have refused to date to remove such charges on the basis that I agreed to such an interest capitalization policy in my promissory notes.
XXXX XXXX was the original account holder for a fraudulent account that was opened in my name. The account was turned over to XXXX XXXX for collection. I have an account with XXXX XXXX listed on my Equifax and XXXX Credit Reports in the amount of {$1300.00}. Both credit bureaus have refused to remove the account from my credit reports. I have disputed these items and will continue to dispute this item until they are removed from my credit reports. 

I contacted both credit bureaus on XX/XX/XXXX and disputed these items yet again and while both credit bureaus have complied with filing the dispute they informed me that they have verified that this is my account and the information is accurate. 

I contacted XXXX XXXX on XX/XX/XXXX and they referred me to XXXX XXXXXXXX XXXX XXXX  as it pertains to this account. I did contact XXXX XXXX XXXX XXXX on XX/XX/XXXX by phone and they were closed. I also sent them an email as well on XX/XX/XXXX. 

I received a letter from XXXX XXXX  Fraud Dept. dated XX/XX/XXXX that the company verified that this is not my account and that this account was indeed a fraudulent account that was opened in my name. 

I do not understand how I can have a valid letter from the company and yet this item still remains on my credit reports even though the company has verified that the account does not belong to me and was a fraudulent account. XXXX XXXX informed that they sent electronic letters to both Equifax and XXXX  telling them to remove this item from my credit reports ASAP and yet it remains. 

XX/XX/XXXX will be two months and according to the letter I received from XXXX XXXX it can take up to 30 days or 4-6 weeks. Well as of XX/XX/XXXX it will be 4-6 weeks and this item has not been removed from my credit  reports as of yet. The letter sent to me by XXXX XXXX was dated XX/XX/XXXX. 

Also on my Equifax and XXXX Credit Reports they have accounts listed as closed/removed with a {$0.00} balance that is counting against me making my score go down and not up. When items have been verified that they do not belong to an individual and removed from your credit reports your scores goes up not down. Both reports are reporting the same information twice one with the amount and one with a {$0.00} balance so I am confused which one is it? 

Equifax has been the absolute worse of all and they told me that as a consumer I can not dispute any information on my credit report and that they can not delete or remove anything from my Equifax credit report only the company can. Equifax has been giving me the wrong information and every time I call in their is always a problem or I get a person who is a foreigner and does not speak English or their systems are always down. It is never ending and I am sick of it.
I was contacted on XXXX/XXXX/15 by MCMC a car dealership whom I 've purchased a car from. They informed a co-buyer that a warrant would be issued for her arrest if we did not return the vehicle in question.
I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.
mortgage payment of {$580.00} has inflated to XXXX and inflated escrow since ocwen lone servicing has bought mortgage.
This collection agency has reported three different medical bills that the provider XXXX did not submit to insurance and they should have, I have called them, sent in a letter ( which is in the attached ) with no response.
Hello, My wife and I just moved to XXXX, WA for a job. We had a great credit score, in the high 700 's. When we set up a mortgage meeting, we were all shocked when she asked why our credit score dropped 100 points. 
It turns out that we had a {$900.00} student loan that was due the week before. A few weeks before, my wife had put everything on autopay so I'm not sure why it wasn't paid. I called right away and paid it in full. We got no notification that it was due soon. Our mortgage loan officer said the points should be returned to the account as it was a mistake. 
They are still not returned. We are living with my inlaws as our credit score is keeping us from buying a house.

Everyone I have spoken with says the points should be returned since it was a recent mistake. 
I hope you can help
XXXX XXXX MUNICIPAL COURT ( XXXX ) Says i owe {$160.00} XXXX different times on my transunion report and i have not been in XXXX or had any XXXX or XXXX tickets but my id and ss card was stolen along with my car in XXXX of 2014 and i would like them to be removed from my credit report because i dont even know what they are for
I began receiving calls from a company claiming to be debt collectors looking for someone who is not me. I have told them several times that they have the wrong person, and I have blocked them but they are still harassing me on a daily basis starting at XXXX XXXX and continuing throughout the day.
On XX/XX/2018 Mr. XXXX was denied a credit limit increase for reasons that were not relevant in XX/XX/2018 when a credit limit increase was approved and eventually granted. This is a direct violation of the Equal Credit Opportunity Act ( ECOA ) as stated by FDIC Compliance section IV 1.1 " A lender may not refuse to extend credit or use different standards in determining whether to extend credit. '' In XX/XX/2018 a credit limit was granted, in XX/XX/2018 a credit limit was denied. Same credit reports, different results, different standards.I have attempted to resolve this with no resolution at the executive level. No success.
I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.
XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.
Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.
For years I had a Capital One Platinum credit card mileage account on which I always paid the balance due in full every billing cycle throughout the years I had the account. 

Subsequently, as I always did, I sent a month 's full payment on the full balance due. 

Capital One subsequently charged me a late fee and an interest charge claiming the payment was received XXXX day late. 

I contacted their customer service, and was told that my account would be credited the late fee and the interest charge. 

The late fee was subsequently credited to my account, but despite multiple assurances from Capital One 's customer service representatives to me that the interest charges would be credited to me in a future billing cycle, the interest charges continued to show up on my statements, while also generating further interest charges. 

Throughout this time, as I had always previously done, I continued to timely pay my balance due for goods and services in full each and every billing cycle, and as instructed by Capital One 's customer service I did not pay the interest charges that continued to show up on my account. 

After months of being told by Capital One 's customer service that the interest charges would be credited to me and resolved in a future billing cycle, Capital One 's same customer service subsequently said they could not now credit me the original one day interest charge, or the subsequent interest charges that had accrued on that one day interest charge in the intervening months. 

During that same call to Capital One 's XXXX XXXX XXXX customer service I was told that unless I agreed during that call to pay the entire amount of interest charges, my account would be canceled during that same call. 

Despite the fact that at that time I had earned nearly XXXX XXXX frequent flyer miles on my account, I flatly refused to comply with the threat made by Capital One 's supervisor during the afore-referenced call, and she summarily canceled my account. 

Her rash action was in complete contradiction to what Capital Ones customer service representatives had previously represented to me and which I had depended upon. 

Her rash action unjustifiably and unlawfully deprived me of my accumulated frequent flyer miles Her rash action was uncalled for, and grossly punitive. 

For further details, please see my XXXX XXXX, XXXX correspondence sent to XXXX XXXX of Capital One, which is enclosed with this complaint as a document attachment.
I was denied credit in XXXX of 2017, I 've contacted Equifax on six occasions to request my free report. They advise me that there is a special department that I have to speak with and that they will contact me. Three months later I have not heard from anyone nor have I received my free credit report from being denied credit. I assume this behavior is due to litigation that I am involved in with Equifax. However it is unlawful not to provide me the requested credit report.