WillisBack/dataset-financial-user-claim huggingface dataset:
I have several medical collections due to my sons XXXX presently and before during the time of his birth. There are only a few that are not connected to my XXXX year old son. My question is this : When a person has medical collections, is it proper to have them placed negatively on your credit bureau account? Ive been told by several people that my medical that should not be placed on my personal credit account. I will be making more attempts now to pay off my medical collections, but at the same time I dont feel it should damage my credit score. Can you clarify that for me please? Thank you very much.
On XX/XX/XXXX, I received via mail a letter package of frivolous letters dated XX/XX/XXXX and XX/XX/XXXX, along with documents that Selene has had since XX/XX/XXXX that allegedly they claim they did n't received and/or missing pages which prompted my first complaint in which Selene continues to falsely claim they did n't received pages and/or missing pages to the new, pages not readable. This is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property. As I stated in my complaint, case number XXXX, on XXXX XXXX, 2016, Selene is intentionally prohibiting the sale of the property in which Selene has had a legally executed real estate sales contract for the property since XXXX. 
Moreover, on XXXX, I spoke with XXXX who serves as a Selene Customer Service Representative. It was confirmed by XXXX that the documents my Realtor, XXXX emailed to XXXX again on XXXX, via XXXX letter of " short sale '' dated XX/XX/XXXX, was received on XXXX and XXXX confirmed the documents were readable and she would send an email to XXXX XXXX to call me ; needless to say, she did not return my call ( XXXX recorded conversation of XXXX ) in which Selene states their calls are recorded. 
Once again today, my realtor XXXX XXXX has emailed and faxed these same documents per XXXX XXXX 's letter of short sale dated XX/XX/XXXX. 
These frivolously letters and the falsely claim of not receiving pages and/or missing pages to the new, pages not readable is unacceptable and I am asking that this matter be properly investigated as to Selene 's blatantly attempt to prohibit the sale of the property.
I made a request to Nationstar Mortgage to cancel the ongoing private mortgage insurance. A few weeks after a home inspection by an authorized Nationstar approved appraiser, I received a form letter with a reason checked off that my mortgage balance had not reached a qualifying percentage of the " Original Value '' meaning the contract sales price of the property. I called the phone number associated with the appropriate department at Nationstar and was told that the correct percentage is not computed on the home 's contract sales price but on the amount financed through the mortgage. I believe this to be incorrect and attempted to explain my views to no avail. What is the correct way to calculate a balance subject to the PMI? The contract purchase price of the home was {$400000.00} with the remaining balance of approximately {$280000.00}.
I voluntarily without any contact from the collection agency called XXXX XXXX to pay an charged off account. I was referred to PRA, Portfolio Recovery Associates, LLC located in XXXX, VA to make the payment. I spoke to representative over the phone for a few minutes, made a payment in full, and the woman indicated, if XXXX XXXX XXXX is reporting to a credit bureau they would update the records. At the time of the payment none of my credit reports ( XXXX XXXX XXXX XXXX ) were reflecting any adverse reporting from that company. Since the date of the payment I have had adverse reporting that lowered my credit score by approximately 100 points, affecting my interest rates as well as my ability to borrow etc. I have been in contact with the company in writing via email, fax, and USPS delivery confirmation mail on more than 6 occasions presenting them their own correspondence and requesting them to delete this information pursuant to their correspondence as they were reporting previously and the reporting did adverse against my credit. The customer service in the disputes department, the compliance department, and the office of the president all has failed to reply in a professional fashion and have continued to have adverse affect on my credit reports with XXXX. 

On the basis of the correspondence from their offices they are engaging in Fraud by Radio, Television or Wire, and or False Statements. Publishing information that impedes interest rates, financing, and other monetary matters via false statements. 
18 USC 1343 18 USC 1001 Request to have all reporting deleted post haste from my credit report.
I was doing a rate check to refinance. The agent that I spoke with informed that the call was being recorded for improvement of their staffs or as arecord. the agents I spoke with agreed not to run my credit. Lately, I learned via XXXX XXXX these the following entity/ies made a hard search on my credit. It has been over XXXX days since I made a former complaint to thebanks and credit reporting agencies for corrections including their 3rd partysearch agents. 
I 'm asking that you kindly use the services of your good office to help meresolve this matter. My home is up for foreclosure I need my score fix torefinance. The entity are as follows:1 ) Citibank Retail via Citibank NA ( XXXX ) 2 ) Citi Financial XXXX DEF via CitiFinancial Mortgage ( XXXX ) Note : Citibank put a foreclosure on my property. they refused to " modify '' my loan, yet they have XXXX hard credit search without my knowledge orconsent that make it impossible among others to refinance as I 'm strugglingto refinance before their sale date. 
The others are:3 ) XXXX via XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX via XXXX XXXX ( XXXX ) Note : I wrote the these banks and informed them - " Your credit inquiry is damaging my credit rating. I did not ask for or approved a credit check at no time. Provide full documentation regarding the circumstances surrounding your review of my XXXX XXXX credit report, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act '', but to no avail. 
The inquiry was placed on my consumer file on this date:XX/XX/2014. 
I noted, " If you can not provide such documentation, you are obligated to remove the offending inquiry at once. '' Please help. XXXX XXXX
I inquired online about a debt consolidation loan. They said Iw as pre-approved and that I just needed to move through some steps, so I did that. After I completed submitting the first round of information, a lady from the company called me. She said very clearly on the phone " we have the money waiting to transfer to you once you submit the additional documents. '' I am self-employed, so some additional bank statements were required. I could be wrong on the last few words of her sentence, but I know for a fact she stated very clearly that " the money is ready to transfer '' and tricked me into believing everything was good to go. I was then denied the loan after submitting the additional documentation and I feel very much like a victim of misleading techniques. Another representative who was " helping me '' has also been unresponsive when I inquired about this.
I took out a loan with Synchrony Financial/ Care Credit XXXX It was to have 0 % interest for the entire life of the loan. They continue to add " new Purchases '' that I have not made. but they claim I owe They continue to raise the rate from 0 % to 26.99 %. I have paid approx. {$3000.00} on the original {$7200.00} but claim I owe {$7600.00}. The 0 percent rate was for the promotional period and the promotional period stated until paid off. I would not have accepted this loan if I knew the interest was above 26 %. I live on social security and their payment and my HUD subsidized rent exceed my entire income. My income has not changed since I got this loan except for this years social security XXXX. Although I have asked several times, they will not send me information on what they payments they have received and how much I owe. They say they have no options. I have been sent transaction summaries showing draws for XX/XX/XXXX and XX/XX/XXXX
I have filled out a stop payment form with bank and I have also filled out a form that stops them from taking money off my bank card as well. I sent them a certified letter stating that I am revoking my consent to use my bank for any future transactions/eft's/ACH ... etc, etc. I have offered them {$50.00} every 2 weeks but they are going to continue the 7.9 % interest per day on me!!!!! I will never get out of this!!!! Atleast I am trying to pay them and not running off and waiting till they take me to court ... ... .Their EPP ( extended payment plan ) agreement is very unfair!!! Advance Financial 24/7.
PARAMOUNT IS TRYING TO COLLECT ON A DEBT PAID THROUGH MY MEDICAL INSURANCE. THEY HAVE ALSO BEEN HARASSING ME
I attempted to get a loan for an XXXX. There was a system a error an app did not go through. I went to the highest office in the company to get Inq removed. Because I never Authorized. The company has not record of my personal information, I was never sent and Adverse action letter. They are supposed to keep for 2 years. Yet they still use their power to obstruct me from getting INQ removed from the XXXX credit report.

The CEO asst told me specifically they could not find an application or any information but in the same breathe refuse to remove the INQ. They either are lying or committing fraud. Or they are not keeping proper records which is against the law. 


This is the email I sent to the company : Good Morning, I am writing because i am getting no where with your company. I am prepared to write the CFPB and possibly get a lawyer involved here. I would rather deal with you. 

And Inquiry was placed on my credit report after you had a system error which caused an application to not be processed. I have all this information. Plus you have record of an error. I want the inquiry removed. Your system produced and error. No credit should have been pulled. I attached all the proof no application was processed. 

This is a simple fix but XXXX  says i need to go through you. All you have to do i fill out an credit bureau alter. 
I am asking that you do the right thing a remove the inquiry. 

But most of your customer service people have been rude and dismissive. I am willing to take any action within my legal authority to make sure under the laws of FCRA my credit is reported accurately. Your system made a mistake. If there is an error no app was processed no credit should have been pulled. Please respond a.s.a.p.
On XX/XX/XXXX I received a letter in the mail from Javitch Block LLC about an account of mine going to them to try to get payment. Upon receiving the letter I had called the company to call the company to get a settlement set up. At the time we agreed to {$95.00} a month to be taken out on the XXXX of each month until the full balanced was paid. The lady that we were speaking to was trying to negotiate a higher amount saying that the longer it's in collections the more my credit would be hurt and that a higher payment would significantly help my credit. Finally, I got her to agree with said {$95.00} a month after some arguing and being interrupted multiple times. Early XX/XX/XXXX I received a letter from Javitch Block saying they were taking me to court due to non payment. When I called them they said that the banking information provided to them was incorrect after having the previous associate confirm the account information that I had pulled up that was linked to my direct deposit. At that time we had to re-set up a payment settlement. The associate we talked to this time was a lot friendlier than the first person. This person then said the very minimum I could pay each month would be {$200.00} and that nothing lower could be settled even though the previous associate messed up the payment eventually saying the same that my credit was going to be heavily effected until the balance is paid off. I asked to just be enrolled on auto, but the person refused to get me set up on auto deduct, but asked for the account information eventually, so I figured the auto was set up. Yesterday, ( XX/XX/XXXX ) I received an affidavit saying that my wages are set up to be garnished without needing signature from me, due to my bank already signing off on it.
I enrolled in a Checking/Savings account opening offer with terms as below with Citibank. 
- Open new Checking and Savings account in Citibank Account package - Within 30 days deposit {$15000.00} into the checking and savings account - Maintain the balance of XXXX for 60 days - The Bank will deposit a bonus of {$400.00} within 90 days of completing all above steps. 

I opened the 2 accounts online on XX/XX/2018 and submitted for opening-deposit to be transferred from my external account for the amount of {$15000.00}. 

However Citibank failed to transfer the opening deposit even after 15 days. So I enquired about it and was told that there was some error in their system and I need to do it myself. 

So I did the below deposits as soon as I received new account documents : XX/XX/2018 - XXXX to Checking account in person at branch XX/XX/2018 - XXXX to Savings account in person at branch XX/XX/2018 - XXXX to Checking account via direct deposit In total within the 30 days of opening the account, I had {$15000.00} balance in both the accounts spread as below : Checking account - {$14000.00} Savings account - {$100.00} I maintained this balance until XX/XX/2018 ( > 60 days ). 

I did not receive the promised bonus until the end of XXXX. When I enquired with online chat representative on XX/XX/2018, the representative confirmed that I have met the requirements of promotion on XX/XX/2018 and would receive the bonus by XX/XX/2018. 

However on XX/XX/2018 I received an email that I am not eligible for the bonus because " The required deposit balances were not maintained during the offer period ''. I called the customer service and talked to an agent about it. The agent went through all the details and again said that it appears that I've met all the requirements and should receive the bonus. She opened a case fo me. 

The case was closed by Citibank after a few days stating the same reason without any more details. 

One anomaly that had happened was that on XX/XX/2018, a Monthly service fee of {$25.00} was posted to my Savings account. However, according to the terms of the account if XXXX or more is maintained in linked checking accounts the service fee is waived. I called up the customer service about this and they acknowledged that there was an error in their system and reverted the incorrect service fee withdrawal by crediting {$25.00} back to my account on XX/XX/2018. 

Due to the above mistake on the banks end the balance on my account went below {$15000.00} that is needed for the bonus offer. 

Since the above is an error on the bank 's end and not a fault of mine I strongly urge the bank to honor the Bonus offer that was extended to me and deposit the Bonus offer to my account at the earliest. I have followed all the steps to receive the bonus and completed all the activities as I've outlined above.
In XX/XX/XXXX My wife and I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX. The vehicle was financed with Foreman Financial Inc. ; shortly after we drove away with our car we experienced trouble with the transmission. We immediately contacted the dealership and Foreman Financial as we were committed to a hefty loan at a predatory interest rate ( yes we had challenged credit at the time of purchase. ) The owner of the dealership at first disputed the claim that the vehicle he sold us had a pre-existing issue and during that time my wife contacted Foreman Financial to  discuss options on what we could do in the event that we got a " Lemon '' the representative mentioned we could voluntarily repossess the vehicle in which we absolutely were against. However there were notes placed in there system that we agreed to this. Foreman financial has since reported this to the 3 major credit agencies that the vehicle has been repossessed in XXXX it is now XX/XX/XXXX and no correction has been made as I have contacted them several times in regards to this matter. never did we agree or sign documentation to repossess the vehicle and Never has Foreman Financial EVER taken possession of the vehicle voluntarily or involuntarily! They refuse to correct this issue and it in fact has affected my wife and I 's Credit rating which we have made huge strides in the right direction! Aside from that issue they partake in a ridiculous collection practice even if you are not late or delinquent on your payments. they call numerous times throughout the day and say absolutely nothing! they just hang up in about 1 min. I have confirmed this to be them as I have called these mystery numbers and they all lead to there automated system!
FOCUS FAILED TO FURNISH 30 DAY NOTICE, VALIDATION AND WENT ON CREDIT REPORT ANYWAY. 

IGNORED CEASE AND DESIST AND AND DO N'T CALL ORDERS CALLED MY FAMINLT 11 TIMES ON CELL ( GOT PROOF ).
I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.
XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  #  XXXX   XXXX , WA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX   XXXX  : Acct #  XXXX  To Whom It May Concern : This letter is in response to your recent claim regarding Acct #  XXXX , which you claim I owe {$320.00}.   Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.   Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.   Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature.   As per FTC opinion letter from Attorney  XXXX   XXXX   XXXX , you should be aware that a printout of a bill or itemized document does not constitute verification.   I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.   Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.   I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that y ou may be lia ble for your willful non-compliance.   Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of  {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )   You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX   XXXX  :  XXXX  P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.   Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Dear Friends, I sold a home in XXXX, PA on XX/XX/2012. The property address was XXXX XXXX XXXX XXXX. My mortgage was through Wells Fargo and the Realty Company in XXXX was XXXX XXXX XXXX. My agent was XXXX XXXX. I sold the house for {$270000.00}. When we closed on the property on XX/XX/XXXX, Wells Fargo charged me the entire month of XXXX for insurance. When I raised XXXX about it, they said that the policy was to close at the end of the previous month ( that would have been XXXX ) to avoid that fee.We were not apprised of that and my agent knew nothing about it.I told them, had I known, I would have closed sooner. I then had my attorney XXXX XXXX XXXX contact them and we got no response to that inquiry. 
Wells Fargo is a corrupt company as evidenced by all the complaints and fines they have been required to pay in the last several years. I lost close to {$1000.00} on that property closing which I could have used for my expenses.. I was XXXX years old at the time, single and dependent on myself and working only part time. 
Please help me regain my lost money because it's only fair that Wells Fargo reimburse me at least the cost of insurance if not more for attorney fees. 
Thanks you very nuch and I wait with anticipation for good news!! 
XXXX XXXX XXXX XXXX
I bought a new iwatch two for XXXX dollars and change total witb a new Barclays credit i had obtained to improve my credit score. After two weeks I decided that it would be best to pay it off because i could miss i payment and that would be worst than trying to incresase my score by a few points, so did. 3-4 weeks later i call to see if my balance was indeed at XXXX. Surprising, my balance was over my approved credit limit. I call again in a week to see the satus of my disputed fradudelent charges and they ask me so many privacy questions ( at least 5 ) and apparently i answered one incorrectly so i get locked out of my account. I then had to mail them a copy of my id, bank statement, and social security card, not once but twice, while, my fraudulent charges where never issued a credit so although i did not owe them anymoney- i did. So not to get a late payment i sent in two payments as they requested. My onlynproblem is that they have marked one of them as 30 days lare.
this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval