WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to discuss some concerns I have with the company CLX Systems at XXXX XXXX XXXX, XXXX MN XXXX. This company, as I understand it, is a medical debt collections business. They were assigned to collect a debt that I owed to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, MN. The debt was approximately {$260.00}. I was charged this amount for three fillings done in XX/XX/XXXX, after being given an estimate of {$0.00} -- the clerk at XXXX XXXX XXXX assured me that my insurance would cover the fillings. 

When CLX Systems contacted my about settling the debt in XX/XX/XXXX, I promptly responded. I set up an automatic payment arrangement with CLX, where I authorized them to take {$35.00} from my health savings account each month. Payments were withdrawn on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX for a total of {$100.00}. XX/XX/XXXX was an abnormal month where my employer had three scheduled paydays -- falling on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XX/XX/XXXX. The third paycheck did not have any benefits deducted from it -- including the health savings account deduction. For that reason, there werent enough funds in my health savings account at the beginning of XX/XX/XXXX when CLX tried to withdraw the fourth automatic payment. 

At this point, CLX called me, and I promptly researched what had happened ( I wasnt closely monitoring my health savings account ), called CLX back and made a {$70.00} payment from my XXXX on XX/XX/XXXX. At this time, I was under the impression that CLX would continue taking automatic payments from my XXXX account. 

CLX did not take any more payments from this account, they did not call me, and they reported the {$93.00} remaining balance to XXXX on XX/XX/XXXX-- automatically taking approximately 40 points off my credit score. If I had known that they were intending to report this to the credit bureaus I would have settled it immediately. The representative from CLX assured me through the whole process that nothing would be officially reported to the credit bureaus. 

To make things worse -- when I pulled my credit report in XX/XX/XXXX ( in an attempt to qualify for a home loan ), and saw CLXs claim, I called them immediately and paid the remaining {$93.00}. The representative, XXXX, was fairly rude and made derogatory comments, like now, dont you feel good about yourself, now that you have fixed your mistake. It was very unprofessional. 

I would like them to remove this from my credit report. I also would like to see CLX be subject to more oversight -- I have not been treated professionally or ethically, and I think that its possible that they are treating other people in the same fashion.
Hello, I have a XXXX checking account with Bank of America. OnXX/XX/XXXX. I used my ATM card for 4 transactions, there was more than enough money in the account to cover the charges. XX/XX/XXXX was a Saturday. On Monday XX/XX/XXXX, I purchased gas, at the time there was {$5.00} in my account. The gas purchased over drafted my account and I understand this charge is my fault. I am not disputing this charge. However, all of the charges made over the weekend were charged overdraft fees as well. The gas purchase had n't even hit my account yet. On Tuesday XX/XX/XXXX, I received a deposit of {$140.00}. Bank of America charged 4 NSF fees to that credit leaving a balance of {$9.00} in my account. I have spoken to the bank several times regarding the processing of transactions, I 've been told they do n't process in the order they occur. I am a XXXX XXXX XXXX struggling to break even. The fees in question are unlawful. Please look into this matter.
Received a phone call from XXXX threatening phone call at my job that XXXX in legal was going to sue me. I have told these people not to contact me again, yet they continue to do so violating the law and I have documentation each time they do so.
Ditech Financial assumed my home loan from Greentree, who previously assumed my loan from XXXX. I have excellent credit that has been threatened by Ditech representatives for their gross negligence. In XX/XX/XXXX, I made a payment of {$1400.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I later noticed that my payment had increased, therefore, I made an additional payment of the difference of {$86.00} on XX/XX/XXXX, received by Ditech on XX/XX/XXXX. I wanted to make sure that they received their payment by the cutoff of their late due date of XX/XX/XXXX. However, I was sent a letter with a late fee charge of {$40.00}. The difference was paid before the cutoff, therefore, there should be no late fee. I then made my XXXX payment early because of issues stemming from XX/XX/XXXX. I was informed during that time that my payment was late because it was received after the first of the month. I spoke with several different representatives, whom were all demanding of an unwarranted late fee, and finally spoke with a belligerent manager. She said the same thing ... 'your payment was received after the first of the month, and it is therefore late and you are being charged a late fee '. I was threatened that I would be turned over to the credit bureau if I did not resolve " their '' issue and pay a penalty. Therefore, I started paying earlier than usual. However, since I made two payments in XXXX of XXXX, they decided to apply the early XXXX payment towards principal. Therefore, I have been assessed with a monthly late fee of {$40.00}, that is now equivalent to {$160.00} per their misconception in paying my monthly payment a little early so I could avoid these preposterous late fees. 

This company is affecting my credit and utilizing unscrupulous tactics to collect unjustifiable late fees. The representatives for this company are irrational and do not aid in solving the problem. They will only ask for payment. I am done dealing with this company - please listen to all the complaints you receive. I wish XXXX had never sold my loan - I NEVER would have chosen Greentree or Ditech. I hope something is done to change their unjust late fees. I refuse to pay something I do not owe.
Please help me and take this seriously, there is derogatory information that is being reported on my personal credit file that is wrong and is making it difficult to find traditional work and secure credit. I have an unverified account from XXXX XXXX that is showing as late, but was paid in full for the full balance. I have brought to the consumer credit bureau 's attention multiple times. They are also reporting that any potential employer is responsible to place a payroll deduction to collect this debt. I had previously disputed this account. I have never done business with XXXX XXXX XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt..
I submitted a dispute with Experian, for the last year they have been sending me letters saying they will not investigate the accounts that are wrong. I called them and asked them why they had not specific reason and then denied me from disputing over the phone. I also told them that there were inquires backed from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX that were listed that i did not approve, insurance, utilities and credit being that i have lived at my address for over 10 years. I tried to contact the creditors as i was told with no response as well.
I used to have an account with XXXX XXXX. Now I am filing my taxes, I find out that my loan is owned by some company called Navient. Nobody from XXXX XXXX ever told me my lender was changing and nobody from Navient has ever contacted me. I had a fixed payment amount with XXXX XXXX before this change. It was approximately {$150.00} per month. I 've been sending {$170.00} each month to make sure I am paying the balance down. When I check on Navient 's website, it says i 'm past due because i 've been paying less than the minimum payment ... for many months. I do n't know how the funds are getting from XXXX XXXX to Navient, nor was I ever contacted to advise that my payment amount has increased or asked to agree to ANY change in terms for my account. I am not able to find any contact information for Navient. They have never sent me a statement, a single letter, or made any phone call to me.
Stolen identity fraud open account open in my name XXXX XXXX XXXX/ XXXX  XXXX/ XXXX XXXX XXXX XXXX XXXX Opened XX/XX/15 Account number XXXX Amount XXXX
a company by the name of XXXX XXXX XXXX XXXX send a debt collection letter to my job stating that I owe {$60000.00} in student loans and the social security number they have on this letter as well as the address are wrong and I have never lived at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, the SS # they have on this letter is not mines either XXXX. My name is XXXX XXXX but again this is not my debt I have never lived in XXXX and I do not have this social security number I called the company at XXXX XXXX but the refuse to hear me out stating that I need to have my employer call them and my employer did n't give me the letter the letter was mailed to me at my job. This is not right and I want them to get this corrected immediately. I would appreciate you assisting me with this complaint. thanks. 

XXXX XXXX XXXX XXXX XXXX XXXX
On XXXX XXXX/2017 I spoke with a Repetitive about an allege debt that XXXX XXXX XXXX claims that i am responsible for. I stated that I have know knowledge of this debt and it is a result of identity theft, I then stated that they are in Violation of the Fair Debt Collection Act by not sending me requested original documentation or agreement bearing my signature as validation of this debt as well as the Fair Credit Reporting Act by reporting unverified information to the Credit Bureaus, XXXX XXXX, XXXX and XXXX. and which is a defamation of charterer, that will be included in my Lawsuit with XXXX XXXX XXXX, if this matter is not resolved immediately by deleting this unverified debt from my credit file.
This is a formal notice that you have failed to respond in a timely manner to my dispute concerning the accuracy of what you have on my credit report. Under the FCRA 15 USC 168i ( 5 ) ( A ), you have 30 days to respond to my request for VERIFICATION not VALIDATION, of which there is a difference of the erroneous items. Your negligence has caused me harm, since it has affected my ability to obtain new credit. Since you have NOT PROVIDED ME NAMES OF PERSONS you contacted for verification, per 15 USC section 168i ( a ) of the FCRA and remove the disputed items from my credit report immediately. If I DO NOT receive a revised credit report, free of charge, with the item removed at the address stated, I will pursue my legal rights with an attorney under 15 USC section 1681n or 1681o " Civil liability for willful noncompliance ''. Your credit bureau may be liable for : 1. Actual damage I substained by you failure to delete items 2. Punitive damage as the court may allow 3. costs of the court action, plus my fees for the attonery
I AM A VICTIM OF IDENTITY THEFT AND ALL THREE OF MY CREDIT BUREAUS XXXX, EXPERIAN, AND XXXX HAVE BEEN SENT A COPY OF MY POLICE REPORT FOR THE IDENTITY THEFT NUMEROUS TIMES AND THEY HAVE REFUSED TO REMOVE THE FRAUDULENT ITEMS, THE LATENESSESS THAT WERE CAUSED BY THE FRAUDULENT ITEMS, THE FRAUDULENT INQUIRIES, ECT ... I HAVE SENT THEM THE POLICE REPORT, THE FCRA 605B STATING THEY MUST BE REMOVED WITHIN 4 BUSINESS DAYS, A COPY OF THE FTC REPORT OF THE ID THEFT, A COPY OF MY CREDIT BUREAU REPORT WITH THE ITEMS THAT ARE FRAUD CIRCLED, A COPY OF MY ID AND BILLS TO PROVE ADDRESS, AND THIS HAS GONE ON FOR THE PAST YEAR AND THEY STILL HAVE NOT REMOVED THE FRAUDULENT ITEMS AS DIRECTED BY ME AS FRAUD, IT HAS DIRECTLY AFFECTED ME GETTING LOANS AND ECT. IF THEY ARE NOT REMOVED AND MY SCORES ARE NOT ADJUSTED PROMPTLY I WILL HAVE TO HIRE AN ATTORNEY AND TAKE ALL BUREAUS TO COURT.
There's 8 unknown inquiries on my report dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until these agencies provide me with physical verification as requested over 90 days ago, all the above should be removed as stated in the FCRA law.
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on several student loans with XXXX that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
In XXXX XXXX our mortgage was transferred to this company from XXXXk. We went 4 months without receiving a statement. The loan was paid off. XXXX incorrectly reported to the credit bureaus that the loan was over 120 days late over {$1.00}. We have repeatedly contacted XXXX and they agreed to remove all aspects of any reporting to any credit bureau. As of todays date, Equifax and XXXX are still reporting this account. We simply want it removed. 

XXXX agreed to remove this. See attached letter. Yet it has not happened.
For the past 6 months at least, with the most recent coming this morning ( XX/XX/2018 ), we have been plagued with calls from XXXX XXXX XXXX. I DO NOT answer calls from unknown numbers, & we are, or should still be, on the NO CALL list. The Caller ID simply showed " Leading Edge '', but no further info. I googled that, with no satisfaction as to who or what Leading Edge is. NO MESSAGES on our answering machine were ever left previously. We chalked these up to nuisance calls. However, this morning a message WAS left. We did not get the complete company name, but XXXX XXXX XXXX is close. We could make out the XXXX XXXX. 
WE WANT THESE CALLS STOPPED!!!!! We believe this company is off-shore as well as bogus. 
Thank you.
Hi I refinanced in XX/XX/XXXX, BSI Mortage company is impossible to reach, when I do I get a different person and have to explain everything that happened since XX/XX/XXXX again and again. I contacted the company that did my refinancing to get help and they were able to get someone to call but that was XX/XX/XXXX and have n't heard from them since, numerous calls, phone messages left at ex XXXX and company mainline, emails all go u answered. 

Since XX/XX/XXXX when i changed home owners ins. My payment has n't been correct, numerous calls to old and new home owners to ensure that I was insured and I am, but now I 'm over paying my payment, paid my shortage in XX/XX/XXXX and it went higher. Now that I did all the leg work to fix my homeowners .I have a Check for BSI for return because I had to reach my old homeowners that they paid due to incompetence. Now I 'm getting letters stating that I need to update my homeowners from BSI. 
I just do n't know where to turn now
I got into a car accident shortly after getting this loan and had changed jobs. I bought all three insurances from the lender to make sure if anything happened to me the loan would be covered and not harm my credit. I missed a payment and all the huge fees and fines snowballed the insurance I purchased would no longer cover me since the way I get paid changed. I continued to make payments and get caught up they continued to report late payments regardless even though I worked out an agreement. I was actually paid ahead XXXX XXXX and still reported me late. My loan was always paid ahead since. I have paid off this loan XXXX XXXX in full and the loan is still reporting as open with a dollar balance. I was sold fraudulent financial products such as the insurance and have now suffered harm to my credit because their bogus products to protect people from these circumstances are fake. The late payments need to be removed and a refund is due on the bogus products sold to me and all the pumped up fees and fines refunded and late payments removed. I could never recommend this company. I have a stellar credit history otherwise
Dear CFPB, XXXX has placed me in collection with the agency described below.As result of this the balance on the account was reported to the credit agencies. I dont have any knowledge of me owing XXXX  money nor I was aware that they were attempting to collect any debts from me.I dont believe is a fare business practice to report my account to the credit agencies and cause my credit to be damage for a debt that is not even legit. I would appreciate your assistance resolving this matter as I am trying to have this collection account removed from my credit report as soon as possible. I believe this is an abuse of power and invasion to my personal credit. Thank you and I look forward to your answer. 



You've paid off 0 % of your collection amount. 
Balance {$330.00} Highest Balance {$330.00} Opened XX/XX/2018 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX
I completed Ch XXXX bankruptcy in XXXX XXXX and begin to receive notice that I owed XXXX in additional mortgage payment to Wells Fargo Bank . I have asked, in writing, since XXXX XXXX for an accounting of how they have come up with this figure. Wells Fargo has my mortgage in foreclosure status sale, date unknown. This is very unfair and the investigation has taken an unreasonable length of time. Monthly I receive notice extending the date of the conclusion of the investigation.
Greetings! Thank you for your assistance and time helping me correct the matters on this situation!

Earlier in this yearXX/XX/XXXX I sent off letters to a few companies stating that I owed them ... Its been a while I have taken notice of my credit however I am now taking action to make it better thanks to my close friend ... .These are items that are on my credit that are closed and in derogatory that I do not recognize and have not ever seen!

The letter stated that I was requesting verification of debt which they claim I owed in the form of my signature ... None of these companies done so.I am following the Law and am trying to handle this in a professional manner.

I made some mistakes in the past even married early but now I am a lot mature and learned from my younger days and am now taking responsibility to correct my past. I want to fix my credit that I may continue being a productive citizen and adding true value to society. I almost got an attorney to help me deal with this in court then I said let me wait a second to see what steps are out there from the Government that can help me.That is how I found out about your services CFPB.

I sent letters to maybe 7 companies and none of them provided within 30 days any proof of my signature. I also sent them a second grace letters asking them to please either provide my signature or to remove the debt reported by them per the law. That was on XX/XX/XXXXand have the proof of the certified letter receipts.

NOW its been about 75 plus days and I have yet to have them prove that the debt is mine per the law and am seeking your help to have each one of them remove this off of my credit report immediately!

They sent me letters saying that the debt was mine and they could prove it yet no one did!

Everything I did was certified mail These people are saying I owe without proof and breaking the law that I owe, {$680.00} along with {$720.00}, {$400.00} and {$430.00}
My card was charged {$38.00} by XXXX XXXX, XXXX XXXX branch fraudulently and 53 bank did not redeposit that amount like their representative told me during our conversation. Instead, an additional ( and magical ) {$1.00} appeared in my checking account the next day. So, I am assuming that its the bank that has done the fraud and not the store.
A rep from United Collection Bureau called claiming that I owned a medical debt with XXXX XXXX XXXX XXXX from XXXX. They claimed to have sent out a letter, which we did not get, and they could not properly verify the mailing address. The caller refused to send out another notice through the mail. I did not give them any banking or personal info until I could verify the debt and the debt collection company. I called XXXX XXXX XXXX and spoke with the accounts office. They verified that we had been there, but that our bill was paid in XXXX. I also verified with the physician billing agency and confirmed that we do not owe any medical bills with XXXX XXXX XXXX.
My minor daughter had her atm/debit card stolen as well as her mobile banking account information for her checking and savings accounts at Suntrust bank hacked. The thieves used her card to make fake/altered traveler 's check and money order deposits to her account then on the same/next day used the card to make large purchases. They withdrew money from the Suntrust atm as well. This was all in a few days window from approximately XX/XX/2016. Her first indication of anything wrong was the bank 's fraud department calling her on XX/XX/2016 and she realized her card was missing. She is in high school during the day and works part-time several days per week so does not make purchases daily so had not realized it was missing. The fraud department had her verbally go through the information as to what purchases she remembered making, but at that time she was not made aware of any of the fake/altered check deposits. The next week a letter ( s ) came from them in regards to being overdrawn. I went to the bank branch ( on XX/XX/XXXX ) and the manger pulled up the information and then gave me copies of the checks that had been forged-she never knew about those. We were supposed to have a form sent to contest those charges. The forms did not arrive and I spend hours over weeks talking to multiple people. Recently another department sent a notice stating that the accounts would be closed and demanding the overddrawn amounts be paid ( about 2000 $ ) as well as stating that a negative notation would be put on our credit files. I have given them the case numbers but it seems the fraud department does not share the information with the collection department. We were again by the fraud department to fill out forms ( some of them to be notarized ) that then never arrive. They insist that all this could be handled at a bank branch but due to our work schedules we have only been able to go to a branch once and that was not a useful experience. We requested the evidence they used in denying the claim-such as a list of all the time stamped transactions, video images of the perpetrator at the ATM and at XXXX making the purchases at XXXX. However, they have never provided the information only sending a denial letter. They have been very uncooperative. Without the proper information we can not adequately rebut any inconsistent information-my daughter is minor teen and even a week after the incident could not adequately recall which days she may have worked or not and what places she went or not let alone months later. The places that the thieves went to get and spend money were at some distance from our home base and it ridiculous how the bank is handling this situation.
no response to my correspondence of XX/XX/2018 I have no knowledge of ever having a credit card with this bank XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX.Th ebank has my account charged off for {$150.00} No account # is listed on teh credit report