WillisBack/dataset-financial-user-claim huggingface dataset:
I have received a judgment against me for multiple accounts in collections from medical bills from a non profit hospital over the course of 5 years. At the times several of these services were provided, I had received a statement of financial charity from the non profit hospital releasing me from financial obligation for these services. These accounts are not only listed on this judgment but on my credit reports as well. In addition to the accounts that were forgiven, there are other accounts listed both on the judgment and on my credit reports for accounts that have been paid on, with receipts I still have showing the accounts have been paid. On XX/XX/XXXX, I received my paycheck from my employer and discovered a wage garnishment. I had no prior knowledge of this garnishment, or who to contact regarding any type of exemption or garnishment adjustment. I am the sole provider of my family and currently have an arrangement with another collection agency regarding a debt incurred by my husband. Between the surprise garnishment and the payment plan I had previously entered, my total wages taken from each month equal my rent and almost half of my income. This has created a significant hardship for my family and I do not have any contact information for the creditor who has taken legal action against me from a non profit hospital in the attempt that I could make an arrangement that would not force me to levy my other bills and obligations in order to satisfy one I have already paid and other debts that had previously been forgiven.
On XX/XX/2017 I checked my XXXX account and noticed that Trans Union had removed all of my collection accounts ( 4 ), removed all of my inquiries ( 8 ) and illegally reinserted them back onto my report without first notifying me, in writing, within 5 days. TransUnion states that all of that activity took place between XX/XX/2017. They have violated the FRCA laws for not notifying me within 5 days of re insertion. Attached are screen shots of all the illegal activity they performed. I have contacted TransUnion via telephone and spoke with a representative, who was very rude, about the deletions and reinsertions and how they did not notify me via writing that they were reinserting the accounts. The representative basically told me that they didnt do it and called me a liar. When I asked to be transferred to a supervisor, I was told that there was not one available and was hung up on.
I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped. 

Reference number XXXX
I have several unauthorized inquiries reporting to my Equifax Credit Report. I Have disputed these Items multiple times ( the last disputes dated XXXX/XXXX/XXXX according to Equifax and some dating back to XXXX ) with no response to my request showing that these inquiries have been authorized by me. What I receive is not validation that I actually authorized the inquiries but and updated credit report stating " We have received the inquiry information. The results are inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. " I contacted each creditor and Equifax simultaneously at the time I disputed the information and have received no response. I requested to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If there was no proof I requested that the inquiries be removed immediately. I have yet to receive a response to my requested from Equifax or the original creditors. This continues to negatively impact my overall credit and I would like the unauthorized inquires removed immediately. 
Creditor Contact Information. 
XXXX XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
In XX/XX/2018, I was made aware that Best Buy Card Services had been reporting my credit card as being paid late since XX/XX/2018. 
I had no used my Best Buy card for some time and didnt have a balance so I was very concerned and called Best Buy. 

Upon further investigation it was found that my card was fraudulently used in XX/XX/2018 for a purchase of approximately {$20.00}. Best Buy agreed to remove the charge at that time as well as all late charges and update my credit report to reflect what had happened. 

I have called Best Buy three more times since my initial call in XX/XX/2018. Each time they acknowledge the fraudulent charge and late fees that are on the account are there incorrectly and tell me that in the next billing cycle I will see my account updated and all charges removed. It is now nearing the end of XX/XX/XXXX, and three months has passed. My account is still being charged late fees and my credit report has not been corrected, instead they continue to report my account delinquent and have since lowered my credit line from to {$2000.00} to {$100.00} as well as continue to charge late fees on the account.
To Whomever This May Concern : My name is XXXX XXXX XXXX. I am reaching out to you because of items that are on my credit report that should n't be on there. I have tried dealing with this directly through the credit bureaus, but nothing has happened at all. The items and bureau that need to be dealt with are : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, and Equifax : XXXX XXXX XXXX XXXX XXXX. 

I have attached my police report and driver 's license to this complaint. This is the last time that I file a complaint. My next step is to file a lawsuit again the CFPB and all credit bureaus. This stuff does not belong to me and it needs to be removed immediately.
I reviewed my credit report on   XXXX   XXXX   XXXX  , via  XXXX  and found a Capital One Credit card account on my   XXXX   and  XXXX  credit report, however I never applied for the card in question, which list the account status as " account relationship terminated '' Date opened    XX/XX/XXXX    ; amount {$560.00}, this account is listed as in " good standing '' and " paid as agreed, '' however I did not authorize this account to be opened up in my name, or listed as an authorized user, or cosigner. I have not received a response back currently from  Capital One.
I have sent 3 certified letters to XXXX  XXXX  and XXXX  asking them to verify accounts per section 609 of the frca. They have never provided verification what do ever of accounts. There reply everytime is account verified per frca. Per section 609 these accounts must be deleated if they can not verify with original document i signed these accounts are account # XXXX. Next account # is XXXX ' next account XXXX.i also have a non medical account that they havnt verified its account number is XXXX
When I bought this car *XXXX  years old, 36 hours of work a week at {$9.00} an hour. I got approved for a car that was worth {$15000.00} for {$23000.00}. The vehicle I had bought from them broke down and due to lemon law ( I put almost 3,000 dollars into it myself in a month ) I took it back and they should of taken it back. They knew they sold me a lemon and refused to deal with me. Now I have a loan for {$23000.00} with 18.9 % interest and I do not have GAP or any warranties. Being that flipped I should have been FORCED to get gap, but no they gave me a wheel and tire warranty instead and I had no idea. I signed the papers because I desperately needed a car for work, I was in their office for 7 HOURS and Santander Consumer USA approved the loan. Now I didn't give them any income verification ... I've asked them for EVERYTHING that has my name on it, from income verification, contracts etc. They will only give me my contract and they question me on the phone about why I need it. I shouldn't have to answer that, give me what I requested. Now I'm not able to afford it along with my other debts and I'm tetering against Financial Bankruptcy at XXXX years old or letting my car get voluntary repossessed and losing my job because of no car.
XXXX XXXX is the original debtor, Senex services is the collection agency. I only visited this hospital once and I was insured at The time of the visit, so I do n't owe them {$110.00}.
I received another threading phone call this morning from Discover Bank aka Discover credit, Discover credit card, discover loan services, discover home loans! In XX/XX/XXXX I received confirmation on my claim for sXXXX XXXX XXXX. I sent a copy to Discover Credit, as card holders were Illegally ( XX/XX/XXXX NY federal court ) required to carry Payment protection plan/Death and XXXX insurance. I was told that I canceled my police in XX/XX/XXXX/XX/XX/XXXX! At that time I owe less then {$2000.00} on each of my two discover Credit Cards. I stop using both cards. BUT in violation to that NY Federal Court Order started charging my cards for then transferring money to their fake accounts and charging me. They kept locking me out of their web sit were I paid them requiring me to reset my password every other month on both accounts on two of their web sites ( they did not allow more then one account per site )!
Discover keeps changing their names after Federal courts rule against them ( PA Federal Court XX/XX/XXXX falsifying documents ). They are now using the name Discover Bank and have tied peoples charge cards thru their company Discover Home Loans to the card holders home!
I have sent 4 requests to Equifax to have inaccurate dismissed bankruptcies reporting on my credit report removed. I have sent an affidavit requesting they answer my affidavit point by point, line by line and provide proof of the verification of these dismissed bankruptcies. I have received deficient responses and an unanswered affidavit stands as truth in a court of law. Not only that Equifax removed these bankruptcies on XX/XX/2018 and then re-inserted them on XX/XX/2018, which is a violation of the FCRA, Section 611 ( B0 ( i ) A ). I received no certification of the the accuracy of this information that was re-inserted. 
I refer to the attached Equifax Credit report CHAPTER XXXX BANKRUPTCY DISMISSALS as clouded. 
As mandated by Title 15 U.S. Code Chapter 41 - CONSUMER CREDIT PROTECTION, Subchapter III, Section 1681c, Paragraph a.1 Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. The Law is clear Dismissed Case is not included within the parameters of the above mandated reporting guideline, furthermore ; the referenced Chapter XXXX Bankruptcies did not have Entry of the Order for Relief nor ever been Adjudicated. Under Federal and State Law, FCRA Title 15 U.S. Code 1681i, Paragraph 5.A,  immediately upon receipt of this notification you are obligated and directed to remove the referenced Chapter XXXX Bankruptcies on my credit report. It is not in your jurisdiction, responsibility, right or business to report this crucial and extremely damaging personal information. Also per the Law you are obligated to furnish me updated copy of my corrected credit report per Title 15 U.S. Code 1681i, Paragraph 5.A.ii of FCRA. All required information and supporting documents are included on this letter package, therefore ; an investigation is deemed absolutely unnecessary.
Father does not have the XXXX to sign any loans. Was added as a cosigner to a loan with Quicken Loans. We ca n't get information from what 's going on. However, there is some sort of loan going on.
I have an escrow account with my mortgage company for insurance and taxes. They did not pay my taxes for 2016 until after I was served by a constable in XXXX and called them. They paid all interest and penalties incurred from my escrow money although it was not my error. Now the county taxes are suing me for court costs for this incident for which I was not responsible. My mortgage needs to reimburse all penalties and interest as well as pay the court cost for their error.
I entered a cab late night on XX/XX/2018. I attempted to pay driver with a debit card and the driver switched out my debit card for another and I did not notice that until the next morning when XXXX sent me the fraud/overdraft alerts. There was no record of the cab fare but an ATM withdrawal of {$500.00} and {$2800.00} worth of XXXX purchases were made that morning ( details attached ) and summary below of actions taken by thief. 

Thief made 9 transactions at 3 different XXXX XXXX totaling {$2800.00} on XX/XX/2018 Thief took {$500.00} out of an ATM on XX/XX/2018 Thief attempted to change my primary phone number with Chase on the night of XX/XX/2018 Thief attempted to raise my debit limit the night of XX/XX/2018 I reported the fraud within minutes of receiving an SMS message from Chase in the same morning as the fraud was committed. I talked with a Chase fraud agent at XXXX XXXX  the morning of XX/XX/2018. I filed two rounds of claims with Chase about the fraud and that I did not authorize any of these transactions. Both transactions were denied because Chase did not believe this was fraud even though they identified it and sent me SMS messages early morning on XX/XX/2018. Chase also denied my ask to get additional data around the complaint for the police report and would not provide any ATM pictures or card location data. 

Chase is one of the leading financial institutions, they have a tough job protecting digital banking from many different threats, and that is what consumers like myself are depending on. Based on the fraud actions/patterns taken on XX/XX/2018 by the thief, I find it hard for them to have not shut down the account earlier and attempted to help find the perpetrator by providing any data necessary to help track down the thief.
I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com
Lost my job on XXXX from a previous injury. I tried to tell collector I would pay XXXX dollars a month but they wanted it all. Capital One has no sympathy for a person that owes.
*see attached letter. 

I will summarize. but more detail in letter. I paid for services to conduct a survey to my clients ( 2 year deal ). The first survey and experience leading up to preparing the survey was a disaster as was the actual survey. I told the company I did not want to continue with the 2nd year because of the unprofessional experience I had with their team developing the survey and the terrible results I had with the survey. It actually hurt my business. The execs of XXXX said " let us look into this to see if what you are saying is accurate. We had a conference call and they agreed that their team did not provide services paid for. I said I do n't want a refund I just want to terminate. The execs came back with this ... We are sorry you had a bad experience and we would like to put our best team on your 2nd year  survey and we will not charge you for the year 2 fee. We thought long and hard and we decided not to take them up on the free offer because the first experience was so bad and hurt my company. XXXX then went ahead and charged my credit card for year 2 event though they said they would cancel and give me a free survey. The fact I turned that offer down made them mad and they charged me for year 2 and they did n't even provide services although I did n't want them. and went and charged credit card without my authorization. 

Not once has Chase Visa ever returned multiple calls we palaced to discuss this matter. They just send their form letters. I have attached communication with them. 

I paid {$5000.00} for a service the company agreed was not acceptable and I did not ask for a refund. I said I did not want the service for year 2 which they offered to give for free ... .and I turned it down and took my lumps and then they charge me for year 2 and I did not use. Chase Visa has done nothing to resolve this expect to charge me interest. Look at my payment history ... it is flawless. This company did not keep their word or perform the services and they agreed to that. Chase still continues to keep amount on my bill while adding fees. 

Sorry this was more than a summary but please read attached letter. Thank you!
I have sent disputes to the credit bureaus and they have failed to send me any kind of validation providing me with proof that the accounts actually belong to me. They have violated my right under the fcra to send me proof of all accounts listed on my credit report that were disputed. Instead they add comments to my report that the information meets fcra and when comment are added to my account they each drop m y credit score a s if they are punishing me for asking for them to send me proof of accounts disputing belonging to me.  XXXX  just again dropped  my credit score be cause I made on time payments and my balance decreased. I do n't know how this can be legal y our credit score should go up when balances decrease not when go down.    I recently disputed late payments from my student loans due to the fact the company knew I was in deferment but claim I never sent paper in when I called to verify it was received over a year ago only to still have them reporting negative information of late payments. When payment history was disputed fed l oan only agreed to remove two late payments and when this was updated my credit scores again decreased. Thanks for any help you can give. It is sad that these credit bureaus are getting away with false information and dropping someone 's credit score because they dispute negative information and for paying your bills on time.
I sent a certified mail from the XXXX in regard to this account. Attached is the document. This is the tracking # : XXXX. I have yet to receive a response. Please provide a contract with my signature agreeing to the services you are claiming I owe money for.
On or about XX/XX/2018 I lost my wallet with all my credit cards i have contacted all my credit cards to cancel them but some of them had fraudulent charges already all but one has given me temporary credit and told me not to worry about making payments on a disputed amount until the investigation is complete in which normally no payment would be due since it was fraud. BBVA compass told me to make payments till they resolve the claim which they say will take 90 to 180 days because they are under staffed. Why should I be paying on a disputed amount if I didn't make the charges. They also sent a report to the credit bureau that I have a balance on my card and a payment is due this lowers my credit score this company does not protect the consumer in any which way. They shouldn't be in business if they don't have the staff to work on behalf of their clients.
A company by the name of XXXX submitted a lawsuit in XXXX XXXX Florida courts in the amount of {$19000.00} on XX/XX/2009 it was to late to file this lawsuit and I was not properly notified of the lawsuit and did not know it existed ... Years and years went past and I was not notified. I found out about this lawsuit after I purchased a vehicle, The Same company submitted for my license to be suspended in XX/XX/XXXX and I reached out to them to see what was going on and they never requested to meet with me, they demanded money. In XX/XX/XXXX I had to return my vehicle back to the finance company as a result of my license being suspended and tickets being issued for no license ... I began to research and came up with a company name XXXX  who is located out of state and posing as different congressman and congresswomen ... As a result.. XXXX closed down and transfered my information to someone name XXXX XXXX at Rodgers Morris and Zeigler located at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ... XXXX.. They left me with a suspended license and 3 tickets and filing for bankruptcy. Please look into this..
XXXX XXXX XXXX XXXX XXXX, ( aka Stillman Law Office ), a debt collection law firm with offices in Michigan, Maryland and Massachusetts, has filed a complaint against me to collect a debt of which I am unaware of and still have yet to be notified about. 

The supposed debt is from a company -- XXXX XXXX XXXX -- that I have never heard of. 

I am aware, however, is that XXXX XXXX XXXX is reputed to be notorious for unfair debt collection practices.