WillisBack/dataset-financial-user-claim huggingface dataset:
This is an insurance claim that I have talked to the provider about and provided insurance information to. I was covered by Medicaid and the provider is NOT suppose to bill me for anything other than the contracted co-pay set by Medicaid. {$1000.00} is NOT a co-pay. When I talked to the provider of the medical services, I gave them the insurance information and they said they would file it with Medicaid. I am not liable for this account.
To Whom It May Concern, I currently have a VA Loan with XXXX XXXX XXXX   being serviced by Dovenmuehle Mortgage , Inc. For the last seven months, I have attempted to reach out and request numerous updated Escrow Analyses to be reperformed on my VA loan. Every time I talk to a representative for an explanation, they tell me they didn't receive my request or my re-request for an updated escrow analysis and re-submit a new one. However, every month I get another letter stating that they reviewed by Escrow Account and made the necessary adjustments and/or that they thought the Escrow Account was analyzed correctly. However, when I call back and speak to a Representative and explain the support I provided, they agree with me and re-submit my account for a reperformance. I have attempted to do this many many times and I feel that they are not listening or do not care. However, I am sure I am not the only person who is going through this and being previously in the Loan Servicing Company. I feel Dovenmuehle does not appropriately or accurately assess Escrow Accounts and I am sure I am not the only borrower they have done this too. I would like someone from the CFPB to look into this. In addition, I will be reaching out to my VA Representative to see what steps I can take to have another Mortgage Loan Service Provider.
I attempted to apply for a {$500.00} loan on line with and then received a call o n XX/XX/XXXX     from a representative from  XXXX   XXXX  in the  XXXX , Texas location inquiring for more information. I went to the location on   XX/XX/XXXX     to provide the information they needed, but I before letting them submit the application, I asked if they were going to do a soft inquiry or a hard inquiry on my credit. The representative assured me that it was going to be a soft inquiry and they look mainly on my payment history which I was fine because I did not want a hard inquiry because I was going to refinance my car and I did n't want my credit to be affected. I provided the information needed, and the  manager  verified my employment and stated that due to company policy I could not be funded because I do loans as well. When the manager made that statement, the representative that assisted asked her manager about what she just said because it was even obvious that she did not know about that policy and also stated, " I did know that. '' The representative apologized and I left the establishment, but a couple of days later I noticed that the company did a hard inquiry which affected my score. I contacted their corporate office  (   XXXX   XXXX   XXXX   )  and left a message since I called on a Sunday. I received a call back the next day and was told I was going to receive a call the next day from a representative that handles these situations. A week went by and I had not received a call yet so I called the  XXXX  location on   XX/XX/XXXX   and spoke with representative that assisted me and notified me they were aware of the situation and that the District  Manager  was suppose to contact me. I explained to the representative why I was upset and she even told me that the company tells them to advise their customers that a soft inquiry is done on their credit because only a few points go done. I told her that is wrong because its shows up on my  credit score a nd a hard inquiry and that is providing false information. I also stated that she should have known that applicants that do loans will be denied so this whole situation could have been avoided. Another week went by and no one had called so I contacted the corporate office on  XX/XX/XXXX  a nd left another message. I finally received a call from the  District  Manager on  XX/XX/XXXX    . I explained to her the situation and I told her the exact same thing that I said to the corporate office. While speaking with the  District Manager,  it was obvious that she did not know the difference between a hard inquiry and a soft inquiry on your credit. She even had the audacity to tell me how the inquiries in my company work. The  District Manager  then stated that there was nothing they could do because I did apply. I told her I applied because I was provided with false information and they should not have even ran my credit as soon as they saw where I worked. She said that they still could not do anything. I yet have received any type of documentation from their office stating they ran my credit.
On XXXX/XXXX/XXXX at XXXX XXXX a gentlemen called me from ( XXXX ) XXXX representing himself with the XXXX county courts. He stated a lawsuit was filed against me in regards to fraud. I advised I had no knowledge of this information. He then gave me another number to contact ( XXXX ) XXXX and case number XXXX. I called the number he gave me and a female stated the matter was with an Attorney XXXX. She then advised the matter was due to an unpaid payday load from Ace cash express. I advised her ; this was unethical and against the law to call someone under a false representation of the XXXX County Clerks office. Also, I 've set up payments with them and they 're not allowed to collect on a debt in which payments are already setup. This is a form of harassment. You can not false identify yourself, nor use scare tactics claiming suit by representing yourself as a clerk from the XXXX county courts. The lady then hung up on me. I called back several times baffled of such unprofessional behavior. She then begin to yell advising me to pay my bills when I 've informed her several times I 've already set up payments with them. She refused to give her name.
Westlake has listed a defaulted debt owed to their company on my credit report. I do not owe this debt. I requested an investigation through the bureaus. Westlake claimed the debt was valid. I requested validation of debt via certified mail XX/XX/2018. They failed to reply. I sent a 93A Demand notice via certified mail for failing to produce required documentation under federal and state law via certified mail XX/XX/2018. They replied with refusal to provide any information stating they were unable to locate the account. I sent them a third notice in the form of a 93A Demand with all of my information ( account number listed on my credit report, full name and address ). They failed to reply in any way. They have continued to report in attempt to collect this debt. It is illegal under both federal and MA law to attempt to collect a debt without providing proof of a claim.
XXXX/XXXX/2017 I received a copy of my free annual credit report. Upon reviewing the report I attempted to dispute some items that I knew where incorrect at XXXX agencies. I went to each dispute online and was told I could not file disputes online. I was given a number and told to call Transunion. I called transunion, Transunion informed me that my was blocked because I needed to update my credit card for my account. I informed them that I no longer wanted the account and they said that I had to put that in writing. Furthermore, that I could not dispute anything on my credit without updating my credit card information. I informed them that it was my legal right to be able to dispute items on my credit report. I was informed that either I update my credit card information or I waiting until I put it in writing before they would allow me to dispute any information on my credit report.
I am a senior citizen with excellent credit, and have a Wells Fargo ( WF ) mortgage on a home I do not reside on. My late son and his family resided there. The mortgage was under my name but they were supposed to pay it. They never did and I only found out about it after his death last spring when I received a letter from a law office about a foreclosure. They did not make a payment in 8 years, and I was never notified. WF has my personal residential address but failed to notify me. I worked with WF, my broker and lawyer to do a short sale ( SS ). The lender approved the SS, but at that time, the price the lender wanted it listed at was too high and we had no offers for months. Attempts were made to lower the price, with broker and my lawyer reaching out to WF on several occasions. WF either ignored emails or failed to respond timely. I have XXXX pages of email correspondence, many asking the lender to please respond. Broker finally emailed WF saying we are dropping the price to said price, if you do not agree let me know ASAP. No response. Broker dropped price, held an open house and received a great offer, cash buyer. In the meanwhile WF rescindeded the short sale approval saying we did not have a buyer yet. This was said even thought WF ignored the brokers opinion based on XXXX 's that price was too high. Up until last week they had me submit more paperwork, in order to approve the short sale, and I submitted it in advance of their deadline, but yesterday they said they do not approve an extension of the foreclosure date of XXXX/XXXX/17 in order to have time to approve short sale and go through with the closing scheduled for XXXX/XXXX/2017. I want WF to push back the foreclosure so that the sale can go through.
I have been attempting to modify my loan with Citi for the last 2 years. Over the course of that time I have been asked time and time again for the same information to the point where it was just more efficient to sent a full and complete package. I did this probably a half dozen times, most recently at the end XX/XX/XXXX. I just received a request for more updated information. All information was already provided within the last 2 months. Now they want more of the same, just updated. Additionally, it appears they are looking at old modification ( when my wife had a different employer ) with my most request modification request ( which reflects her new employer ) and want an explanation of whether she still works at her old job. This is just confusing everything. I get updates that say they have everything they need then days later they ask for an entire laundry list of items they received but now want updated for only another 2 months worth of information. In truth, nothing has changed in those 60 days! Since they seem to want to continue looking at old information they can see that my financial situation has not improved.I am completely frustrated by their stonewalling.
As you are well aware, XXXX XXXX XXXX XXXX XXXX is known for fraudulent business practices and has been taken to court ( class action lawsuits ) over these issues resulting in multi-million dollar settlements however the company still is allowed to continue its fraudulent business practices with little more than a slap on the wrist. 

That being said my complaint is as follows. My current TransUnion and XXXX credit reports are showing that on XX/XX/2019 XXXX XXXX XXXX XXXX  XXXX reported that my loan increased by {$630.00} when the original loan was {$100000.00} 13 yrs ago and now on the report is showing {$100000.00} total owed even after 13 yrs of having the loan resulting in at least a 65 point drop on my credit reports. This information XXXX XXXX XXXX XXXX reported is impossible and incorrect resulting in a negative impact on my credit reports and needs to be corrected asap. 

Im tired of XXXX 's fraudulent activities that are not being address and this company continues to stay in business even after many class actions suits.
X/X/2017    my mortgage payment was increased by  XXXX   . I  contacted " loan care '' in regards to this situation. They informed me my escrow account was some how negative, with no explaination of how why or where the escrow money went, but that i am responsible for correcting the issue. Ive had this mortgage for going on 4 years, have all escrow statements and have never once had an issue until this company took over my loan. The most unknowledgeable people ive ever spoken to the lady tried telling me my account has been in the red since closing ....? I explained to the lady i have no control over the payment after it leaves my account that they need to figure it out on their end.. I contacted an attorney in the matter of this case and he knew who i was dealing with before even telling him. Im going to start a re finance this coming friday and also looking to pursue a lawsuit against the company. Ive read several similar reviews identical to mine and have attempted to reach out in contact with these people in similar situations in attempt to gather lengthy and worthy testimony should it make it to court. As far as im concerned this company is a fraud/scam and should no longer be able to operate as a business. Unbelievable!
I ve been in contact with debtors by phone, email, and also sending out letters trying to get items removed from my  XXXX  credit report and  XXXX  credit report and it seems that iv been getting nowhere so ive decided to contact consumer financial protection burea. There are inquiries from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  CREDIT PLUS  XXXX    XXXX     XXXX , MD  XXXX  (  XXXX  )  XXXX  Date  XXXX / XXXX / XXXX  Also there is a an item in collections I was never sent a bill because of the hospital was sending the bill to an address in which I never lived at. I happened to check my credit report and I had  ( 2 ) two b ills sitting in  collections.The d ebt collector furnish information about a medical debt on, my credit report without actually engaging in any proactive steps to collect it, such as telephone calls or written communications  XXXX   XXXX  P  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IN  XXXX  (  XXXX  )  XXXX  Date  XXXX   XXXX ,  XXXX  Amount {$500.00}
Hello, My home mortgage is managed by PHH Loans XXXX My mortgage owed each month is roughly {$920.00}. I pay {$470.00} every XXXX weeks. So I pay extra, and at the end of the year I 'm usually a month to 6 weeks ahead in payments. So in the long run of 30 years, I 'll save thousands in interest and a few years off the loan. However, the mortgage company does not process my payments correctly. Every few months, I will received a call saying that I am short on my payment. I 've even had foreclosure paperwork sent to me. I 've spoken to their representatives about correcting the mistakes. Because I should be 2-3 months ahead of my payments, and I 've put extra money toward principal. 

I am very concerned about how this company is managing my payments. They seem to adjust things randomly. They should at least know that I am not behind in my payments.
Chase has a bonus code promotion for opening new accounts that they did not honour for a reason NOT stated in the Terms and Conditions. I set an appointment to make the process easy and be certain that there would be no complications but a day after opening the account, the sales representative phoned to say that they could not honour the code due to a charge off from 2001. This exception is NOT in the terms, nor was it brought to my attention before the sales rep. and manager setup the account. This is not acceptable and sounds like Chase will do anything to get direct deposit accounts without approving the bonus codes they send out in email blasts - after the fact. Again, I was told ahead of time that there would be no problem. I am XXXX and mobility is a major complication for me so I try to setup appointments ahead to avoid exactly this situation. Had they told me initially that the offer was conditional on prior accounts, I would have gone to a different bank to use their bonus code. He had plenty of time to call and let me know ahead of our scheduled appointment given that he had to go through all of my documents to have the account ready for my signature when I arrived.
I have noticed my payments with Wells Fargo were not completely reported to XXXX. 
I wrote Wells Fargo a letter in regards of the problem. I received a respond from Wells Fargo and it stated, that the information was sent to the consumer credit agency was accurate. I called XXXX to informed about the respond I had from Wells Fargo. XXXX keeps telling me to call Wells Fargo. But when I called Wells Fargo I was told XXXX needs to fix it.
I am a XXXX. I understand that I may be eligible to have some or all of my student loan balance forgiven based on my payment history and years of service. I have repeatedly requested my payment history from Navient but have not received a clear breakdown. I know I made multiple payments then put the loans into forbearance when my spouse left and I was supporting my XXXX children. I believe if I am not at the ten year payment requirement I am close.
I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found. 

I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry. 

Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!! 

My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property. 

Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker. 

I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score. 

Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX?
Discrepancy of actual transactions vs monthly statements. Balance does not match. I have documents. No one is taking me seriously. XXXX is. 
FOLLOW UP TO ERRONEOUS CHARGES AND MISHANDLED MANUAL TRANSACTIONS TRANSFERRED OVER. 

The Fair Credit Billing Act, the federal law that dictates how credit card fraud and billing disputes are handled, defines a number of situations as billing errors, including " goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. '' In other words, if you order a product and it never arrives - or if you refuse delivery because it 's not the product you expected or because it 's damaged - you 're entitled to your money back.
On XX/XX/2017, I contacted Wells Fargo and All 3 Credit Bureaus regarding the information they had reporting to my credit reports. The information was incorrect and inaccurate and needed to be removed from my reports. 45 days later the 3 bureaus reached out and stated that the accounts were " verified '' with any supportive documentation to show. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX detailing Wells Fargo business practices. 

It has come to my attention that Wells Fargo has had some improper business practices conducted within the last year. I was unaware of this information until researching when my credit report showed the inaccuracies. I'm not sure if my complaint has anything to do with the before mentioned sanctions, but it is clear that my account needs some attention. 

The information is inaccurate and incorrect and needs to be removed promptly. Thank you.
I have already sent in complaints to CFPB about the  XXXX  credit bureaus. I submitted proof of identity theft and what items should be blocked on my credit reports.   XXXX   took care of the situation immediately. However,  XXXX  and Experian has not. According to the law the items identified as products of identity theft were supposed to be blocked within 4 days. Instead, these companies are going through the normal dispute process and taking 30 days to do so.
I was supposed to be the recipient of a wire from XXXX XXXX on XXXX XXXX 2017 in the amount of {$3800.00} into my Chase Business account. The company sending me the wire put my name, company name and address on the wire instructions. I never received the wire so I called Chase bank multiple times to find out what happened. They told me that it went into the wrong account despite my name being on the instructions instead of the wire being rejected like it should have been instead they put it into another Chase account of someone elses. The sender had put in a request for the wire to be recalled almost immediately after it was sent when I told them I did not receive the wire. The sender went back into XXXX XXXX and put in a recall for Chase to return the wire which they ignored and subsequently the person that received it instead of Chase recalling the wire they ignored my multiple calls and did nothing. A rep on the phone from Chase had told me that person that received the wire withdrew all the money within 5-6 days and that the account had insufficient funds and actually owed Chase money. I continued to call multiple times and spoke to a higher rep whom told me that he would put a claim in that was 4 months ago and I have heard nothing back from them. The higher rep told me that they would put a lien on the recipients wire and the money would be returned to me which I have not received or heard anything back from them.
I have being paying extra principal only payments and they have been being applied correctly. I have spoken to Huntington National Bank and have not received any return phone calls.
XXXX, XXXX & Transunion is reporting unverified accounts in collections. Accounts have been disputed but Transunion failed to provide proof of these accounts belonging to me. I have no contract with any of the listed creditors below. 
XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX XXXX- {$670.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX {$280.00}
I did an online dispute and the info and amount changed, someone made a {$19.00} dollar payment, but it wasn't me. There seems to be some type of fraud etc. going on. I pulled a report today and it shows different than the report I pulled on the XXXX. The reporting is still inaccurate and incorrect. The XXXX of XXXX, and their collection agency weren't able to explain the XXXX loans, the amounts, dates, times, etc of the loans that they said I owe, plus they couldn't explain what was applied that I already paid to the loans. Please see attachments.