WillisBack/dataset-financial-user-claim huggingface dataset:
These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had football insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while XXXX. 
XXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. 
During hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them.
I requested a credit line increase online. At no time did it say there would be a hard inquiry made on my credit report. I would not have approved that. Barclays refuses to produce any documentation I approved a hard inquiry on my credit report.
Within 30 days after receipt of a notice from XXXX, I sent a written request dated XX/XX/2016 ( XXXX ) to ask for validation of the debt and ( XXXX ) to notify them to contact me on this matter by mail only. XXXX tracking is showing receipt of my requests on XX/XX/2016. On XX/XX/2016, I received a missed call from XXXX ( XXXX ). When I returned the call and verified my address & the last XXXX digits of my SSN with the representative, XXXX, he confirmed that they did in fact call me. I asked the representative why they were calling me and XXXX told me that they were calling to discuss the debt that I owe with Capital One, their client. He proceeded to discuss the asserted amount owed. When I told XXXX that I sent a letter requesting no contact by phone, he denied receiving the letter. Yet I have proof through XXXX tracking that my letter was received on XX/XX/2016. I believe my rights were violated under the FDCPA because the debt collector, XXXX, contacted me after receipt my letter for a reason other than to confirm receipt of my letter or to tell me that they were taking legal action against me.
I am showing inquiry from Springleaf financial my credit report I have never done business with them ever spoken with them do n't know anything about them XXXX XXXX 2016
Accounts sold to other collectors right before it 's to be taken off of my report not to mention they 're all medical bills and are n't supposed to affect credit score
Greetings, I preface my complaint by stating that I am a former employee of XXXX XXXX XXXX XXXX, " the bank ''. 

During my employ, over 16 years, I maintained a " free '' ( free as it relates to monthly maintenance fees ) checking account. Upon my departure from the bank, XX/XX/2016, I noticed a monthly {$10.00} Service charge on my account. At first, I thought that this was some sort of error that would auto-correct the following month. To my surprise, and after a careful review of my checking account, I realized that the bank has continued to illegally charge my checking account a {$10.00} monthly Service Charge since XX/XX/2016. 

I use the word " illegal '' for the following reasons : 1 ) XXXX XXXX has failed to supply me with any relevant and proper deposit account disclosure ( s ) regarding my checking account as it pertains directly to the new application of fees. I call upon the bank to produce any/all correspondence/information evidencing that I was duly notified that fees would be applied to my checking account. 

2 ) The bank, to this date, offers " free '' checking accounts, with no minimum balance and no monthly service charges. Why am I not afforded the same product or account type? 

3 ) Finally, it is my view, taking all of the above into consideration, XXXX XXXX XXXX XXXX has willfully engaged in an unfair, deceptive and abusive act. 

Per this complaint, I am demanding that all fees assessed to my account be refunded and that my account be reinstated to its " free '' status, void of any monthly service charges. 

Thanking you in advance for your prompt response. 

Respectfully, XXXX XXXX XXXX
My husband has a loan out with Mariner Finance at the XXXX, Florida branch. We are behind on this account because he was out of work for 11 weeks due to medical problems, which they are aware of. We are working on getting all of our affairs back in order but it is a long process. My name is no where on the loan with him i am only down as a reference for him with my cell phone number listed as my contact information, however XXXX XXXX, an employee there has been told at the minimum of five times not to call my place of employment. They have continued to call my place of employment after my boss, several other employees, and i myself have told them not to call my place of employment. I called them back today XXXX/XXXX/2016 to speak to the manager XXXX XXXX about the situation of them calling repeatedly after being asked not to, she said that it was never notated in the account and was VERY rude to me about the situation when the loan does n't even belong to me, I am only a reference on the account. This is not good collection practices and certaintly needs to be addressed!. Thank you
XX/XX/2017 XXXX  is only credit reporting 30 days late on XXXX XXXX account. I have contacted the creditor and they sent information to all 3 credit agency that my account was never late. 
XXXX and XXXX corrected and updated my account information. 
I have written letters to XXXX to remove lates because that is not accurate information. But have not been able to get this resolved.
XX/XX/2016, a {$690.00} collection account from Midwest Recovery was added to my credit report. I disputed it with both XXXX and XXXX and since the company did not verify within 30 days that it was a true debt, it was removed. 

Now XX/XX/XXXX I have received calls on my cellular, at work, my friends and family have been contacted by a company called XXXX XXXX - XXXX XXXX - they are trying to serve me papers for a pending lawsuit. This is completely embarrassing and they are harrassing me and family members for something i do not owe. 
the number they call and text from is XXXX and stating i should call XXXX to pay a debt i do not owe.
After doing careful research reading the FCRA laws XXXX, XXXX, and Experian are in violation. Every debt that is listed in bankruptcy that shows on the credit report should say : XXXX ( XXXX ) balance XXXX in bankruptcy. That is the only designation that can appear on what is called the trade line for that particular debt. Importantly, debts that are XXXX in bankruptcy can not show anything else such as any balance still owed, in collections, delinquent, Derogatory, charge-off, or any other negative information. Again, to reiterate, any debt that has been XXXX in bankruptcy can only show XXXX balance-XXXX in bankruptcy. It appears that the " ACCOUNT STATUS '' on each of the trade lines shows : " DEROGATORY ', which violates the requirements of the FCRA. Also, the REMARKS section states " Dispute resolved ; reported by grantor '' which need to be removed for I did not authorize this comment on my credit report. I have prepared a letter to send to each of the corporate offices for the CEO 's of each  credit reporting agencies in preparation to start a lawsuit. No one should have go through this continued craziness! Please do not send me a pre-made generated letter stating you verified! This is my final attempt!!!!!!
CRA violation no knowledge inaccurate accounts on my Transunion credit report. FTC ID Theft Report # XXXX
To Whom It May Concern, I am writing to you for assistance. I am Chase Bank customer. In XX/XX/XXXX, I was charged a total of {$1500.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1100.00} in NSF/overdraft fees. In XX/XX/XXXX, I was charged {$1900.00}. In NSF/overdraft fees. In XX/XX/XXXX, I was charged {$2600.00} in NSF/overdraft fees. It goes back further, but these are the numbers I have. The bank had reversed a few fees through out each year as a courtesy. I have been charged numerous {$34.00} fees for {$15.00} and under charges. I have reached out to Chase several times online and within local branches requesting help. I feel strongly there should be a cap on what can be charged in a year and if a purchase is {$15.00} and under, a fee should be waived. This has been a snowball effect on us. Once we are behind, we cant get caught up. We need help. We are beginning each pay check behind. I am looking for the total of {$200.00} fees charged this current month of XX/XX/XXXX reversed and not effect the courtesy waivers of 3 per year. Hopefully, if we start the year whole, we can avoid running into this ongoing problem in the future. This has to stop. We have paid Chase {$7400.00} within 4 years! Thats a ton of money that we dont have. I dont know what can be done in reversing more from past years, but Please help us!!! I greatly appreciate your time in this matter!
I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature
I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.
A fraudulent XXXX XXXX business credit card through Barclays was opened in my name with what was obviously a fake business name of XXXX. I feel this might have been an inside job. How otherwise can a business credit card be opened without any supporting business documents? Also, before the card arrived in the mail and I was aware of it, there was a {$10000.00} transfer made to another company.
I do not have a late payment with Capital One. I contacted them on XXXX XXXX 2018 and has not been late.
Report # XXXX I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.
My daughter sold a car that was titled in my husbands name. The person who bought the car purchased insurance the day he bought it. The day after the purchase the title would be transferred to the new owner unfortunately the car was involved in an accident and the car was a total loss. I spoke with the insurance company and provided a bill of sale and that was the last i heard anything regarding this accident. It has been over 2 years since this incident. on XXXX/XXXX/16 I received a letter from a Vengroff Williams , INC stating that my husband owed a claim of {$2200.00}. I called the company and spoke with XXXX XXXX. I explained the situation regarding the sale of the car. She provided me the name of the person who bought the car. I looked up this company by their phone number and was amazed at the negative comments that were posted about this company. I called the company again this morning and asked if they could send me any and all documentation regarding this claim so that I might want to have a lawyer look it and the lady i spoke with became very rude and told me that she was not sending me anything. I believe this is scam. I am not understanding why after 2 years this has become an issue and this company is wanting us to pay claim that we knew nothing about.
I just called the student loan provider because I noticed that I had forbearance on my account, he said oh that is just an administrative one because you are waiting to hear back about your IBR. I double checked to make sure that I was not being charged because I did not want to be in forbearance I just wanted to get into IBR.

He double checked with his supervisor and found out that I actually was being charged for one month of forbearance ( XXXX ) because I was behind on my payment before I applied for IBR. Which is a whole other story because they lost my application the first round inXX/XX/XXXX so when I reapplied in XX/XX/XXXX I hadnt paid the past month because on their website it said that my application was processing. When I talked to the servicer that time she just send oh just resend your paystub and I will get the application moving. Not saying a word to me about putting me into forbearance.

Now on XX/XX/XXXX I called to double check the progress of my IBR and when he cam back to the phone and let me know I was being charged I asked him if there was anything I could do because I had already had this conversation a month ago and thought it had been figured out and now I am being charge XXXX  to get to a IBR plan which was because I couldnt afford it in the first place.

He then let me know that while he definitely agrees what happened to be was wrong and how he believes me that my application was lost the first time that it was honestly an unwinnable case against the company because there is no documentation from the processing department saying they every received my first application so I would have nothing to show to say that I was wronged. He then added that it would only be XXXX  a payment in the future on my loans so is it really worth it? He also added that to continue moving my application along they were missing how often I get paid and the application would not have been able to move along had I not called. They also had never informed me of this or sent me any notification about it.
I have been receiving medical collection letters and although I have on numerous correspondence requested that they provide proof of the debts the company refuses to do so. The balances keep getting higher but I get absolutely no correspondence addressing my request. This is becoming a great concern for me and my family and I believe it 's a violation of the fair debt collection practices act which states that a collection agency must provide proof of a debt within 30 days and to cease collection when it is not the victims debt. There are other violations I believe that a good attorney would litigate. I am also filing a complaint against and with XXXX XXXX regarding this discrimination.
US Bank has failed to process my mortgage application in a timely manner. I am now in danger of not meeting my closing date and thus could lose my {$2000.00}. earnest money. Until yesterday, the mortgage processor was not returning phone calls I made to her to check on the status of my application. My purchase contract was written up on XXXX XXXX, 2016. On the morning of XXXX XXXX, 2016, I called my US Bank Mortgage Loan Officer to advise her my offer had been accepted and that I wished her to proceed with my mortgage application. I had already been " pre-qualified '' for a mortgage. I have provided US Bank with information and documentation as they have requested it, but they have not proceeded in a timely manner. For example, I did not receive my initial set of disclosure forms until XXXX XXXX, 13 days after I advised the bank I had an accepted offer. Additionally, it was not until late Friday, XXXX XXXX ( eve of a XXXX weekend ), that I received a request for information and documentation from the US Bank mortgage processor. I responded to this request by Monday, XXXX XXXX, end of day. While driving across country from XXXX to XXXX, where I am relocating, I was in touch with my Mortgage Loan Officer ( my Mortgage Processor was not returning my calls ) and received from her no indication there was a problem with my application. When I arrived in XXXX on XXXX XXXX, I learned that my application was still in the underwriting stages and that it was likely I would miss my XXXX XXXX closing. After pressing the matter, I was told a " rush '' would be placed on my application, and I am hopeful that this is indeed the case. However, realistically, I think there is a good chance I will not close and will lose my {$2000.00} earnest money. I feel the bank has not proceeded as it should.
I filed a case CFPB Case Number XXXX on XXXX XXXX, XXXX about issues with Rushmore Loan Mgt Services. They responded that the loan was sold to them by XXXX XXXX XXXX under false pretenses because XXXX XXXX XXXX was a 2nd not the first on the loan. XXXX XXXX XXXX was the first. We are now working with XXXX XXXX XXXX to try to close this short sale. XXXX XXXX XXXX has a XXXX XXXX, XXXX foreclosure date. Rushmore is not responding to calls from the lawyers to release/return/settle so that the sale can go through. I need help getting Rushmore to settle this loan with XXXX XXXX XXXX. I could also use help getting XXXX XXXX XXXX to move the foreclosure date out so that a reasonable closing can be processed.
I have made serveral attempts to resolve my issue with XXXX XXXX XXXX in regards to validate the account, not the balance. I havent received know payment history or any verfication that the account is accurate and/or beloning to me. I 'm willing to assume ownership only if they provide me with sufficient evidence that this account was truly mine and proof of the payment history verifyng the amount owed is correct. I 'm concerned that this account may not belong to me, and/or the reporting to Equifax, XXXX and XXXX may be inaccurate. In complaince with FCRA 623 ( a ) ( 8 ) ( D ) and acting regulations published at 74 Fed Reg 31484 ( july 1, 2009 ), this notice includes. Basis of disputed : On  XXXX acct # XXXX shows no payment history, only charge-off history.Open date XXXX/XXXX/XXXX, last updated XXXX, charged-off XXXX with last payment dated XXXX/XXXX/XXXX. XXXX  shows last payment dated XXXX/XXXX/XXXX and a close date of XXXX/XXXX/XXXX with no payment history. Equifax shows only the only a open date XXXX/XXXX/XXXX with no payment history only a charge-off history. My question is how are the bureaus completing an investigations without updating the account with payment history, only a stating that it 's valid.
I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX17 my account has been in good standing & current with all payments.
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date.
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
We submitted an official request for PMI cancellation on XX/XX/2016. However, the PMI request is still " pending '' with NATIONSTAR Mortgage, who recently requested an additional extension, this time 30 days, in a recently 'closed ' case with CFPB. We 've satisfied all requirements from the Homeowners Protection Act over 10 months ago.
XXXX XXXX XXXX Closed : XX/XX/XXXX - {$820.00} Closed Overview You 're currently using 118 % of your account 's limit. Balance {$820.00} Credit limit {$700.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( 4 yrs, 11 mos ) Payment History Last payment XX/XX/XXXX Current Payment Status In Collections/Charge-off Amount past due {$820.00} Worst Payment Status No Info Account Details Account status Closed Type Credit Card Responsibility Individual Remarks Charged off as bad debt Account closed by consumer Times 30/60/90 days late 0/0/0 Closed XX/XX/XXXX I HAVE NO KNOWLEDGE OF THIS ACCOUNT. WHEN I CONTACTED XXXX XXXX THE REPRESENTATIVE TOLD ME TO REPORT IT TO THE AGENCY BEFORE IT WOULD BE REMOVED FROM MY CREDIT REPORT
I used a textbook company called XXXX to sell textbooks. They would only pay the funds back through American Express Serve. I cashed all the money and have been trying to shut down the account. It is next to impossible to do this. There is no easy way to cancel the account on line. When I call, I get transferred to an " Account Specialist '' and I have been on hold for over 10 minutes and twice, the line goes dead. Obviously they do not want me to close the account!
IC Systems is reporting a {$180.00} collection on my credit report from  XXXX   XXXX   XXXX . I have spoken to  XXXX   XXXX   XXXX  directly, and they told me it is an error and they should not have sent the account to the collection agent.  XXXX   XXXX   XXXX  tells me that they have informed IC Systems that the collection account was reported in error, but now IC Systems refuses to take it off of my credit report.
Embrace Home Loans Mortgage Company and XXXX XXXX XXXX XXXX fail to address my request for PMI removal. Attached is my XXXX XXXX, 2016 letter which outlines the correspondence I had as well as documentation that had been provided to Embrace. 
In response to my XXXX XXXX, 2016 letter I received a call from Embrace on XXXX XXXX, 2016 which I returned the following day. During the call I was informed that my PMI removal request was again denied. During that call, I was told I needed to provide information related to significant improvements and that I needed to authorize an appraisal. This request for information is consistent with the mortgage insurance removal request form Embrace provided with their letter dated XXXX XXXX, 2016 in which I provided in my XXXX XXXX, 2016 letter. I informed the Embrace representative that information on the improvements as well as authorization to proceed with an appraisal had previously been provided to Embrace in my XXXX XXXX, 2016 letter. When I pointed out to the representative that I had already provided the requested information and authorized an appraisal the response was that the representative merely received notice that my request had been denied. 
I requested a written response from Embrace during the XXXX XXXX, 2016 call and was told I would receive a written response from Embrace within one week. I have not received a response.
XXXX XXXX - XXXX XXXX sold my debt to XXXX XXXX but will not drop the debt from my credit report. Now the debt is upheld by both companies. I have disputed and call XXXX XXXX and they can not explain why it's still on my credit report because it is sold debt.