WillisBack/dataset-financial-user-claim huggingface dataset:
OnXX/XX/XXXX I sent a certified letter to Credit Service Company , Inc. ( delivered on XX/XX/XXXX ) requesting that they validate a debt they are reporting to the three credit bureaus under my name. I received a letter back from the company datedXX/XX/XXXX stating they completed their investigation and determined the information in their records was correct and they have continued collection efforts. They attached a copy of a medical bill with all of my personal information on it including full name, address, phone number. The letter also included the service date, procedure codes, description, charges, balance, Physician name and the diagnosis codes. This is a HIPPA violation and they should not be in possession of any of this information.

I sent them a reply by certified mail on XX/XX/XXXX( delivered on XX/XX/XXXX @  XXXX ) letting them know that they had violated my rights under the HIPPA law and requested that they delete the information they had provided to any and all credit bureaus, destroy any information about any alleged account and not proceed to sell, assign, transfer or trade the alleged account to any other entity to attempt to collect the debt. I received a second letter from Credit Service Company , Inc dated XX/XX/XXXX stating the exact same thing as listed above with the same bill attached. They are clearly not taking my complaint seriously. I will continue to pursue this issue and will file complaints with the XXXX if necessary. The account they are reporting to the three agencies needs to be removed immediately as requested in my letters directly to them.
My lease was up on my Honda Accord. I took the car back to the dealership where I was told that I had thirty days to get an inspection and return it. On the tenth day I received a bill for a payment, lease extension and late fees, Called number on the bill and they said know the dealership has to take the car, XXXX, whom I spoke with said she would call the dealership so they would take it and take final bill to them. Now I keep getting bills and no one seems to know anything. Bill just keeps coming. Tried to file complaints at dealership and they said they do n't do that.
AES is contacting family members who are not even on the loan I have with them. They are harassing family members in search of me because they no longer try to contact me directly. If they do not get a hold of me they immediately call family members that day or the next day.
I graduated from XXXX XXXX in XXXX and since then I have worked continuously as an XXXX for the XXXX XXXX XXXX. In XX/XX/XXXX I consolidated of my Federal Student Loans ( about {$130000.00} ) through Direct Loans under the Income Contingent Repayment ( ICR ) program so that I would qualify for the Public Service Loan Forgiveness Program after 10 years of repayment. For the past 6 years I have made all of my payments faithfully. It is my understanding that the Direct Loans program was ceased and all federal student loan servicing was passed to XXXX XXXX, which was then passed to XXXX. During each transition I have continued to pay faithfully. During a routine customer service call recently with XXXX I was informed that my loans were not on the ICR program and that I would not qualify for the Public Service Loan Forgiveness program. I was told that when Direct Loans was ended and the servicing was transferred to XXXX XXXX and then to XXXX, that my loans automatically reverted to a standard repayment program. Which makes no sense at all because XXXX XXXX and XXXX ca n't possibly change the terms of my repayment program unilaterally without any sort of notice to me. You can see in the document I attached from XXXX there are highlighted references to me being an ICR borrower. In order to start to untie this mess I asked for XXXX to produce a copy of the terms of my loan and the Promissory Note from the consolidation in XX/XX/XXXX. ( Which is the promissory note that underpins my obligations. ) Numerous times XXXX customer service reps have claimed that XXXX does not have a copy of the Promissory note or the terms of the loan given in XX/XX/XXXX and that I would need to secure it from the Department of Education. As the servicer of this debt though, XXXX is required to be able to produce proof of the debt they intend to collect, right? Meanwhile the DoE is claiming that they do n't have any copies of the Promissory note  or the terms of the loan from XX/XX/XXXX and that I would need to contact XXXX. So each party is pointing the finger at the other and no one seems to actually know the terms of my debt and repayment. After contacting the XXXX office for client advocacy and trying to make headway with my case there, my loan servicer was suddenly changed again to Fedloan servicing. Then suddenly I received notice that the terms of my repayment had been altered and I was provided with a standard repayment schedule at ~6 % interest. But the notice to me had not indication concerning WHAT had actually changed and what the terms were before the change. In addition Fedloan servicing also seems to have no idea about the fact that I was under an ICR program dating back to XX/XX/XXXX. I really need some help here. Qualifying for this program could means tens of thousands of dollars if not more than one hundred thousand dollars. Please help me to untangle this mess so I can complete my payments and put this debt behind me. Thanks very much in advance for your help.
XXXX, I am notifying you in writing of the ongoing issue I am having with PNC. 
On XXXX-XXXX-18, check # XXXX was cashed for {$7500.00}. The balance owed to PNC Visa was {$1500.00}, an overpayment of {$6000.00}. I was the one that caught this error, not PNC. 
After speaking with many people in the escalations department and local assistant branch manager, XXXX XXXX PNC, I received notice ( in writing ) that the {$7500.00} was returned to my account. 
For statement ending XXXX-XXXX-18, I received a statement for charges made to my Visa for {$4800.00}, which would have been about 3 months of charges and was almost accurate with credits for past due and finance charges needed. 
The issue is that on XXXX-XXXX-18, check # XXXX was cashed again for the 2nd time, without any notice. 
The 2nd problem is that this {$7500.00} payment has not been applied to my Visa account. 
The {$7500.00} has been removed from my checking account but not applied to my credit card. 
No one can tell me where the funds went. 
I spoke to XXXX XXXX on XXXX from XXXX to XXXX, she assured me that this would get this resolved in a couple of days and that she would touch base with me on Friday, XXXX. 
I did not hear from XXXX on XXXX, so I called and left a message at XXXX on XXXX. 
She did return my call later that day letting me know no progress has been made. 
As of today, XXXX, I left XXXX another message at XXXX, no progress or any kind of resolution has happened to my missing {$7.00}, XXXX. XXXX. 
This is the worst customer service issue I have ever experienced. 
After having a 28 year experience with PNC, my disappointment and frustration is at an all -time high. 
I expect immediate resolution of this issue. 
I have spent hours trying to resolve this issue with no success. 
I would like the {$7500.00} returned to my checking account, all late fees/finance charges removed, and an accurate statement of the charges owed on this Visa account. I will pay the balance immediately once Im satisfied that the {$7500.00} is returned and WILL NOT BE removed again.
In XX/XX/XXXX, Navient sold off roughly between 15-20,000 dollars worth of my debt to a company called XXXX XXXX , XXXX. Unknowingly, when I came around in XX/XX/XXXX to get right with the debtors and begin paying on my loans with Navient ( I 'd been in the military at that point, and had a stable income ), they neglected to tell me that the debt had been sold off to one of their subsidies. So from XX/XX/XXXX-XX/XX/XXXX to now, I 've been happily paying on Navient 's student loans, unknowing that this interest was accruing with XXXX XXXX, XXXX. Until today of course, when the college that I was trying to sign up with called me back about defaulted student loans. Many phone calls and issues later, Apparently Navient knew that that the debt existed, and is now trying to get me to re-consolidate it again through them like I did the others. So essentially also paying all the interest that accrued, because they kept the sale to themselves.
Please see the attached letters to Navy Federal Credit Union, XXXX and XXXX. Here are the facts : 1 ) Navy Federal Credit Union initiated foreclosure proceedings on my principal residence in XX/XX/XXXX. 2 ) In XX/XX/XXXX, I filed Chapter XXXX bankruptcy 3 ) In XX/XX/XXXX, my Chapter XXXX bankruptcy was discharged along with the debts that were included in this bankruptcy, including the mortgage on my principal residence. 4 ) Between XX/XX/XXXX and XX/XX/XXXX, I negotiated a loan modification to my mortgage loan and began making payments in XX/XX/XXXX. 5 ) I have made monthly payments on this mortgage loan every month since XX/XX/XXXX, have never been late nor missed a payment. 6 ) I applied for a automobile loan at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and a secured XXXX credit card ( {$1000.00} deposited for a {$1000.00} credit limit ) at Navy Federal Credit Union on the same day ; the first was because I need to purchase a used vehicle and the second is because I need to re-build my credit. 7 ) The automobile loan was denied due to lack of credit history. The secured XXXX card was denied because of a past loss ( because of the Chapter XXXX bankruptcy ), despite the fact this account would be fully secured with no loss potential for Navy Federal Credit Union. 8 ) Upon # 7, I pulled all 3 of my credit reports ( XXXX, XXXX and XXXX ). I was shocked to see that Navy Federal Credit Union was not reporting my positive payment history on my mortgage loan for the past 4 years on XXXX and XXXX. XXXX does show my payment history accurately. When I contacted XXXX, they told me I had to get Navy Federal Credit Union to remove the " Included in Bankruptcy '' designation and then they could report the positive credit history. On both XXXX and XXXX, they are both showing my mortgage account CLOSED, when in fact it 's not. I have filed complaints with both of these agencies. 9 ) I also spoke with Navy Federal Credit Union. They claimed that since my mortgage debt ( but not the lien ) was discharged in bankruptcy, they are prohibited under Federal Bankruptcy law from reporting any credit history for debts that have been discharged in bankruptcy. Federal bankruptcy law has  nothing to do with credit reporting. The Fair Credit Reporting Act does. My point is, why ca n't my POSITIVE payment history on my modified loan be reported and published by the credit reporting agencies?? XXXX is reporting this information correctly. That is the only way I 'm going to be able to obtain credit in the future. 10 ) Finally, I spoke to Navy Federal Credit Union again this morning about potentially re-financing my loan which is currently in modification but will be due to re-set in XXXX XXXX. They told me it would be VERY likely denied because of a " past loss '' no matter my payment history since the loan was modified, no matter my income, and no matter the amount of equity I have in my home ( which is currently approximately {$180000.00} ). This is simply punitive and really should be outlawed.
I had a XXXX XXXX XXXX XXXX. I Leased it at the end of XXXX though Bank of America. I paid the lease though maturity, then Bought the vehicle through the same bank XXXX. I paid on this loan through XXXX. Even though I was forced to claim a Chapter XXXX bankrupcy, I did not include the vehicle and paid it off. One month ago I turned the vehicle in to a dealership who could only give me {$250.00} for a 16 year old vehicle with over XXXX miles on it. I purchased a used vehicle, but did not have the title to my old SUV after so many years. Days later the dealership informed me that theycould not obtain a new title for the car because there was a lien on it. I called Bank of America right away. After waiting for weeks for them to " review '' the situation, they told me I owed them {$2100.00}. I have asked different people many times to explain how this could be, and they just tell me I owe it and that is it. I asked them why this is the first time I am hearing about this, and I can not get a intelligent answer. How was I able to renew my plates evey year. Why did I not recieve any notice. I aasked if they could work with me and negotiate the amount of this debt, and they said not at this time. The person on the phone explained that certain times throughout the year they do negotiate, but this was not XXXX of those times. I am recieving a huge amount of pressure from the dealership, and I can not afford this huge debt. I do not have time to wait for a period to negotiate because I already turned the car in. Had I known about this debt I would have made payments to take care of it, then turned the car in or sold it myself to offset the cost. If I owe something, I am willing to pay it off. But I am sure that Bank of America has already written off this debt and recieved the tax bennefits of doing so. I am also sure that it is not fair for them to tell me I have to wait until a certain time of year to negotiate with them. All i ask is that " If I do owe anything '' and they EVER do negotiate with people, please offer me the same consideration. I am going to have to try and borrow the money to pay this debt so I can get the dealership off my back. I do not think I owe this, and at least should be able to pay less than they are saying. Why didnt they come and reposess the car years ago, or send some sort of notice. This is not fair.
I have an account listed on my cre dit report by the name Stuart Lippman and Associates  collecting for  XXXX   XXXX    XXXX   XXXX   XXXX  n.     I have no knowledge of ever dealing with the original creditor as listed on this account or with this debt collector. This account is reporting as opened in  XXXX    XXXX  . I have not ever received any response from  Stuart Lippman &amp; Associates that validate any information, after mult iple attempts.     I am allowed, under the Fair Credit Reporting Act, the right to debt validation. This company has failed to provide any evidence of my signature with the original lender as well as any information regarding as to whether or not they bought a false account.     If this account was valid, in the state of NC, the statute of limitations is 3 years. I have not at any point in time, verified that this debt is accurate and therefore should be removed immediately from my   XXXX   report.     If this information is not removed, I will be forced to take legal action against this collection agency, which will allow me to seek damages.
Received JCP Credit Card with a mere {$150.00} limit. Used it a few times over XXXX months or so. My credit score was XXXX. Just by using the card, because the limit was so low, my credit score dropped to XXXX. Then I had late payments to JCP because they would n't accept debit or credit card payments online or by phone! They ONLY accept checking account numbers and bank routing numbers online or by phone. Said I could visit XXXX of their stores to make payment - uh - I shop online and never go into their stores any more! After many discussions with JCP they finally accepted debit card payment by phone today ( not until my credit score was dinged another XXXX points lower ) but charged me more than {$80.00} in late fees. You 've got to be kidding! NO ONE gives their checking account and bank routing number for online payments because hacking is too prevalent. Use of a debit card draws funds from checking without exposing the entire account to fraud. If something goes wrong the debit card can be killed. Who does JCP think they 're fooling and why are they making it so difficult for consumers to pay their bills and charging late fees when we do n't want to provide the newly demanded information? Maybe it is just a way for them to collect a lot of late fees. Maybe they 're about to go bankrupt. Insisting upon direct bank account info as the only phone or online method of payment should be illegal! Call their payment line. Listen to the recordings. You will hear that checking account and routing information is required now. No options for plastic or money orders etc. This is a recent change by JCP. How dare they penalize me for declining to provide my direct checking information! How dare they hurt my credit score because I refused to give them direct access to my bank! I want all of my late fees reimbursed NOW.
I was denied for HAMP, XXXX XXXX XXXX Mod and HAMP Tier II. HAMP and XXXX XXXX XXXX mod said I am less than the XXXX % DTI, which I understand that. But the HAMP Tier II I do qualify for. My denial letter states that I was denied for HAMP Tier II for the following : Your client 's modified monthly mortgage payment must be greater than or equal to XXXX % or less than or equal to XXXX % of their gross monthly income. Well, I am at XXXX % DTI which shows that I do qualify for HAMP Tier II. 
I filed an Appeal on the denial letter and the lender stated they would have a response by XXXX/XXXX/2016. My atty nor I have received a response. I called the lender on XXXX/XXXX/2016 and I spoke with XXXX in the XXXX XXXX. She placed me on hold while she contacted Loss Mitigation. XXXX came back to the phone and she stated that the Appeal is still in review and is in the Complaint Department. She stated that Loss Mit does n't know when a decision will be made. 
This is not acceptable. As you can see I clearly qualify for the HAMP Tier II and the lender has taken over 30 days to respond with a decision on the Appeal. Even if I did not qualify for Hamp Tier II, the lender should have some in house modification programs such as Asset streamline mod etc, to assist homeowners with true hardships. 
The lender also indicated on the denial letter that the completed an interior appraisal on the property. The lender DID NOT complete and interior appraisal or an exterior appraisal on the property.
Good Day, Since XX/XX/2017 I have been trying to submit a modification to Rushmore low mileage on several occasions since XXXX and XX/XX/2017 they have told me they have received the packages in later turn around or day after or two days lately with a message or city some type of a mailing no they dont have all the paperwork and when I get in contact with Rushmore and let me know if the let me know what paperwork they need which they already have received which I faxed over again and then they say they will send it to the underwriters in which what is it to the underwriters they call me back to see another different pages missing or I need to write in my own hand writing why dont I have this why that I have that I have sent documents with this complaint that I have thats involved. I have been through HARP COUNSELING, they also say I should be approved. I believe Rushmore Loan Management is trying to force me even being on XXXX through my employer out my Home for my Wife and Kids. I am sick and now that things are on track financially I can start to recover my life back. Even though I have XXXX XXXX XXXX that should not be a reason to discrminate me on being able to keep my home I do not want to lose to foreclosure. Over a year Rushmore has been stringing me along to raise the dept to make it hard to get approved for help to keep my home. They have lied to me on numerous occasions. Please help me and my family stay in our home. God Bless you.
COINBASE Amount : {$400.00} Dates : XX/XX/XXXX -XX/XX/XXXX Issue : I sold some of my litecoin on XX/XX/XXXX in the amount of {$400.00} to transfer the funds directly into my bank account, linked directly on my coinbase account with verified ID. In the main dashboard under recent activity, the withdrawal is marked as completed and that the money would be available by XX/XX/XXXX, 7 days later. 

I received an email on XX/XX/XXXX, the day before my money would be available, stating that my bank had cancelled the order. I now have a new item under recent history stating that I had received the same amount of litecoin that I sold with a note saying " Sold XXXX LTC for {$400.00} USD. Payment will be sent to XXXX - Interest Checking ********* by Tuesday XX/XX/XXXX. '' So I called the bank and they told me that they did not stop anything and there was no transaction to be cancelled. I called coinbase support and their solution was to file this support ticket. I filed a very descriptive support ticket and submitted it. 

I received an email from coinbase nearly 2 weeks later telling me, if my issue was in the list of top priorities, to respond and describe the problem that I had already thoroughly described in 2 communications. 

It has been weeks since that communication with nothing back from coinbase, meaning I have lost money on the mistake of a company that guaranteed I would have my money on a specific date. This company has the financial information of thousands of US citizens and they can not be trusted enough to know whether they are scamming their users.
I somehow was approved for an additional loan even though I received an error message when applying, called the customer service number and was advised an additional loan could not be taken out while another loan was active. Unbeknownst to me the loan went through ( I assumed I was using money that I asked my brother to lend me and that he deposited ) I have repeatedly asked how I can pay on the loan since my payments go to the other loan that I have out. I can not log in online like before to pay myself. I was told that I would be contacted in regard to how I can pay but I have not received contact and this was in XXXX. I constantly call and I 'm told the same thing but of course interest is continuing to accrue. When I originally requested how to pay my loan total was {$610.00} which I could have paid immediately ( with the money my brother did get around to depositing ) but was not provided with a way to do so. I just want to pay what I owe. My calls and emails are being ignored so that interest can continue to accrue. Please help me
Hello, I requested repayment plan based on income and never gets processed i am struggling with XXXX loans and need assistant asap. 


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I performed the initial steps to see loan refinance options with " Open Road Lending. '' They presented themselves as a middle man of sorts. They would find the best banks and then they would pass along the information. I received a call from one of their representatives stating that they could only talk on the phone. I called the customer representative and gave him the information. I informed him that my only income comes from a XXXX pension. He said, " you 're XXXX? '' I answered yes and said I was on this retirement for 5 years. He questioned how I can be XXXX and have been XXXX when I was XXXX. He then said " this is a problem, the banks wont like it. '' He promised a return call. All I received was an automated email. I wrote a certified letter to the company, asking for the removal of the inquiries. They sent back an official denial letter, stating that they are a dealership, not what they advertised. I submitted a review online to XXXX XXXX, and they responded by saying that they are not a dealership. This is definitely something that a layman would not have picked up, and is deceptive. Their comments regarding my XXXX were borderline harassment, and were discriminatory in nature. The banks that they did send it to were some credit unions in Texas, the same state that " Open Road Lending '' operates.