WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill from Americollect on XXXX XXXX, XXXX for {$250.00} for the services of XXXX XXXX of Nevada. The issue with this bill is that my insurance provider at the time, Nevada XXXX XXXX, is in Permanent Receivership. Had my insurance provider not been in Receivership I would have had a zero co-pay for XXXX services. This was communicated to XXXX XXXX of Nevada and they are well aware that under the Permanent Receivership, " The XXXX will focus initial efforts on two parallel goals : ( 1 ) avoiding disruption in the delivery of health care to the Enrollees for the period that they are entitled to receive such care from XXXX ( ending no later than XXXX XXXX, XXXX ), and ( 2 ) maximizing payment to Providers and creditors for services rendered initially during the receivership period ( which commenced on XXXX XXXX, XXXX ) and thereafter for amounts owed for services rendered before that date. 

IT IS IMPERATIVE THAT YOU CONTINUE PROVIDING HEALTH CARE SERVICES TO ENROLLEES ON THE SAME BASIS AS BEFORE, WITHOUT CHARGING ADDITIONAL AMOUNTS OR REJECTING REQUESTS FOR APPOINTMENTS OR HEALTH CARE SERVICES. 

Specifically, the Permanent Receivership Order provides at pages XXXX and XXXX : All providers of health care services, including but not limited to physicians hospitals, other licensed medical practitioners, patient care facilities, XXXX and XXXX facilities, XXXX companies or managers, and any other entity which has provided or agreed to provide health care services to members or enrollees of XXXX, directly or indirectly, pursuant to any contract, agreement or arrangement to do so directly with XXXX or with any other organization that had entered into a contract, agreement, or arrangement for that purpose with XXXX are hereby permanently enjoined and restrained from : SEEKING PAYMENT FROM ANY SUCH MEMBER OR ENROLLEE FOR ANY AMOUNT OWED BY XXXX ; Interrupting or discontinuing the delivery of health care services to such members or enrollees during the period for which they have paid ( or because of a grace period have the right to pay ) the required premium to XXXX except as authorized by the Receiver or as expressly provided in any such contract or agreement with XXXX that does not violate applicable law ; Seeking additional or unauthorized payment from such XXXX members or enrollees for health care services required to be provided by such agreements, arrangements, or contracts beyond the payments authorized by the agreements, arrangements, or contracts to be collected from such members or enrollees ; and Interfering in any manner with the efforts of the Receiver to assure that XXXX members and enrollees in good standing receive the health care services to which they are contractually entitled. '' Thus, as Ordered in the Permanent Receivership, IT IS UNLAWFUL to attempt to collect ANY amount owed by the XXXX.
My ex-husband and I went to BB & T Bank after he was diagnosed with XXXX to add me to his bank account by completing the paperwork and completing a signature card. We brought wirh us a power of attorney, and was told it was not needed because we were both present at the bank. This was done for the sole purpose of getting things in order as we were told he had a minimal amount of time to live. After this was done I did most of the banking transactions which included making deposits and paying the bills. In XXXX 2016 I made a deposit and went back in a few days later to cash a check and they froze the bank account and could not find the signature card. I have unable to pay any bills out of this account. They acknowledge that the problem was the banks error, but said they have rules they have to go by. I am unable to access this account from the funds I have deposited.
In XXXX 2017 I applied for a Discover XXXX XXXX. The ad said the interest rate would range from 11.99 % to 23.99 % depending on ones credit history ( ad attached ). When I received my card I was informed my interest rate would be 23.99 % & with my credit card bill I receive a credit score. At the time I received my card my credit score was XXXX. I contacted Discover and questioned why I received such a high interest rate and was told they based it on my credit score and payment record. I asked them to review my account and make an adjustment on my interest rate. I was advised they are unable to do anything. I asked them to send me the documents used to come up with my interest rate because I do not agree with their findings. I was advised they were unable to give me any such information. I spoke with the XXXX in AZ and he gave me the same answers. If I have an excellent credit history and I received the highest interest rate then their ad is fraudulent. I feel they are giving this high interest rate to other consumers by default. I wrote to Discover multiple times and received the same response as I mentioned above. Based on my experience I feel Discover XXXX XXXX defaults to the highest possible interest rate regardless of what their ad states which makes their ad fraudulent. Please help me get my account reviewed and my interest rate lowered. Please investigate the company 's interest rate practice on the Discover XXXX XXXX.
Transunion was hacked and my credit report file, a hacker set up an account using my SS # and was sent credit reports by Transunion with all my information. the hacker then opened various accounts and also opened several cell phone accounts with XXXX and we got the notice and welcoming packet from XXXX sent to me at my home address, this started us investigating and found the fraudulent account set up on Transunion ... ... ..they never contacted my wife to say that the account was set up.
I have set up for automatic payments with discover card. They have only withdrawn the amount due on the XXXX instead of the XXXX. ( I have called them many times to correct this and finally today they have properly correct it ). As a result since at least 2009, I have been charged numerous late fees as well as penalty APRS of up to 27 % as a result. Ive asked them to correct the penalty aprs as well as late fees incorrectly charged and they said its too long ago and they can not correct it!!
I am requesting with this written notice that the following inaccurate XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX item be removed from my credit report. The items are not correct and opened as a result of ID theft and wrong reporting infomation and are causing me financial distress because of their derogatory information. I have sent previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to remove them. If this final request does not prompt you to conduct to removal of the account and send proof to me of said investigation or removal, I will file a civil suit in XXXX KY for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.
I have a dispute with Experian. They are wrongfully, maliciously and illegally reporting a debt from XXXX XXXX XXXX that is invalid.1 ) XXXX XXXX can not or will not prove letters of notice. 2 ) Original debtor ( XXXX XXXX XXXX ) will not and can not discuss this bill as it is too old. No longer even a valid debt! 3 ) I had no knowledge of this debt until I started monitoring it. 4 ) I have been declined credit, subsequently having a negative impact on my score as a direct result of Experian 's wrongful acts -- suffered damages! Experian will not allow me to state all of my evidence. 4 ) Creditor XXXX XXXX refused to send me any supportive information that I requested in XX/XX/2016, XX/XX/2016 and XX/XX/2016- past 30-60-90 day requirements! There are XXXX or more legal reasons that I 've attempted to give Experian and they deny removal based on " preformed '' statement issues in XXXX sentence that do not accurately describe what has transpired. I have provided XXXX LEGAL reasons to have item removed according to the FTC. Both XXXX and XXXX have removed this item. Experian is intentionally allowing it to remain- INTENTIONALLY affecting my score in a negative fashion. I have been diligently attempting to increase my credit score- perhaps to purchase a home XXXX day and can not move froward due to Experian 's illegal Credit Reporting tactics. I will contact my local legislator and the FTC with regard to this matter. Again, there is not XXXX but XXXX reasons set forth by the FTC ans CFPB to have this removed and Experian refuses or affirms incorrect report information KNOWINGLY! I believe that because I wo n't pay their costly membership fees, that they are purposefully not cooperating with me- if true- fraudulent business tactics on its face! Please help/advise me. 
Thank you for your time and consideration regarding this matter, XXXX XXXX XXXX
I was called today on XX/XX/2018 and have been repeatedly called by this company to collect a debt that I do not owe. ( There is nothing on my credit report. ) Many times they refuse to identify who they are.

They have also called my wife, parents, brother and sister to collect a debt I do not owe, disclosing details about the alleged debt. My parents were threatened that I would be prosecuted if the debt was not paid.

This has gone on for years. Approximately two years ago I sent them a cease and desist letter demanding that they stop calling.
Received collection letter dated XX/XX/2016. 
Sent cease communication letter on XX/XX/2016 via certified mail. 
Was received and picked up on XX/XX/2016. 
Received another collection letter on XX/XX/2016 They are in violation of the law by contacting me after I told them to stop.
XXXX has an address I have not lived at listed : XXXX XXXX XXXX XXXX XXXX, FL XXXX is NOT an addressed I have oppucied. I just noticed. Thank you.
XXXX XXXX XXXX home loan servicing assigned a XXXX balanced loan to Nationstar. 

After transfer, to date Nationstar claims more than {$110000.00} is due.
I was with XXXX XXXX XXXX for 8 years and they sold me to Carrington Motrgage. I have requested a modification due to unemployement and turned in the package as of XXXX/XXXX/2016 with new income from employment. It has been more than 37 days and have not received a call for a work out or anything. They mailed me a letter yestersday stating that they still need more documentation after they have said they have everything? They are needing proof of occupancy from us? They have are address on the bank statements and other paperwork? They are also requesting that we show earnings? We have that listed on the profit & loss that we submitted with the package XXXX days ago and they said it was fine? On the other hand, XXXX XXXX XXXX started this whole thing when they denied me for a modification after I showed them 30 days of check stubs for new employment and sold me to this bank that is known for being unfair with the XXXX Consumer. They sold the mortgage in XXXX of 2016 to Carrington and they have delayed the process of the home retention program.
Our Mortgage was originated by XXXX Mortgage, they sold our loan to Green Tree Servicing. It has been 6 months and there we have had several issues. They applied our payment to an incorrect account, I have been unable to call and make a payment ( although normally after the XXXX ), I can not get a rep. on the phone to assist. They add the next months payment to the statement on the XXXX of the month and then charge a late fee of XXXX if it is not paid on the XXXX of the following month. This is not a reputable bank. I wish I was given a choice. I am sure many other struggling families are frustrated. Please help.
XXXX:  XXXX:   EXPERIAN The heck is going on. I’ve contacted you guys time and time again since XX/XX/2017. You’ve removed the fraudulent accounts but I don’t know why these accounts remain on my credit report. You have done so much damage to my credit report with the remain accounts that are fraudulent and this has better be the last time that these fraudulent accounts show on my credit file and I’m only allowing 24 hours for the accounts listed to be removed permanently. I am unaware of the accounts that you are listing on my credit file. I have asked for verification for the original contract and for the debt or account listed as an error several times only to be ignored. Look this is becoming a major problem and I have filed a lawsuit this time because you are taking me for a joke and you are causing damage to my life and causing stress. I have contacted the attorneys general office in XXXX County along with the FTC to get this matter resolve immediately and permanently. I will make sure that this incident sees a judge in a civil courtroom. 1. XXXX XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX. REMOVE ALL THE LISTED FRAUDULENT ACCOUNTS WITHIN 24 HOURS IMMEDIATELY AND PERMANENTLY. REMOVE REMOVE REMOVE. The inquiries that are unrecognizable and that I’m unaware of are in the attachment area. I did not give anyone my consent to open any new credit. Your company is at fault and I demand that you remove the bogus accounts and inquiries today or else. REMOVE ERRORED ACCOUNTS LISTED AND INQUIRIES LISTED AS WELL. I don’t want to see another error listed on my account and please send me a copy of a credit report revised with the mistakes removed. My credit is showing me that these accounts are still listed on my credit and I’ve asked you to remove them permanently. You have no verifiable evidence with no original contract with my signature so by law you must removed them immediately and permanently. I have filed a lawsuit on the following credit bureau agencies for using my consent without my knowledge and for breaking the laws within the FCRA. I have placed several sections that you have violated. You have violated my rights in many ways and I look to take this to civil court. I demand that my credit report is cleared of the accounts listed and remove the errors your company placed on my credit file.
Harassing and threatening call with court actionsand collection of outrages amount for an acct thathad a {$250.00} balance when it was charged offXXXX or XXXX years ago. They want {$2200.00} withlate fees. By hey call and spoke to my employer andtold them that they were a legal firm trackingone of there employees. I almost lost my jobbecause of their collection tactics
I have been trying to set up a plan with this company and they keep telling me that they will call me back and I never get anything back. This has been going on for quite a long time. every time I call they keep telling me they are transferring me to a rep and then I get transferred again to someone who has no idea why I am calling. I know this is my bill and I want to pay it but they should call me back.
I'm a XXXX homebound senior and have been reliant on caregivers for the past 30 years. The Moore Law Group, XXXX XXXX, California is trying to get a judgement against me for purchases on a XXXX credit card that I did not authorize. I have asked the Moore Law Group for proof as to who applied for this card in my name and other information. I requested these specific details so I can adequately defend myself in court. The Moore Law Group is refusing to provide the information. My only source of income is Social Security XXXX, therefore I can not claim responsibility for bills that I did not authorise. Please advise.
I have several credit inquiries for the same day and I only signed for one application in the same day. I need to delete the rest of them because they were not made without my knowledge.

Ex : XX/XX/XXXX - I have XXXX Inquiries XX/XX/XXXX - I have XXXX XX/XX/XXXX - I have XXXX and the list goes on. 
Please I need your help on this matter which is impacting my credit negatively.
Hello, I am emailing in regards to XXXX bills from XXXX XXXX XXXX still showing up on my credit file. I am aware that Collection Consultants in XXXX, California ( XXXX. XXXX XXXX, zip XXXX ) still has me showing bad debt for {$75.00} and for {$10000.00} to XXXX XXXX XXXX XXXX XXXX XXXX Bills ). 

XXXX XXXX, my insurance plan was never billed for the XX/XX/XXXX {$10000.00} amount and is still awaiting on the bill from XXXX XXXX of XXXX. 

The {$75.00} debt was sent to collections without me ever have received a bill. How am I supposed to know that the {$75.00} debt to XXXX XXXX of XXXX is mine? No bill was ever received but it was sent to collections without my knowledge. 

I do know that starting XX/XX/XXXX there have been many changes to all three major reporting agency companies ( XXXX, XXXX and XXXX ). I know that my social, my name, address and either my D.O.B or social should be listed to identify me as the person who the company is trying to collect a debt from. I also know that this past XX/XX/XXXX, all XXXX agencies are to remove all medical debt accounts that were sent without properly billing my or any XXXX persons medical insurance. I demand proof from XXXX XXXX XXXX of XXXX that they have billed XXXX XXXX as I have sent in my bills on my own and they have been awaiting a response from XXXX XXXX XXXX XXXX since the beginning of the year to send in a payment. They requested their TAX ID to make a payment on the XX/XX/XXXX bill for {$10000.00}. 

I work in the XXXX field and I understand that insurance companies MUST be billed and that it can take from XXXX days to up to a year for payment. In this case, XXXX XXXX XXXX of XXXX just sent my account to collections for {$10000.00} and tarnished my hard work in keeping my credit file clean. 

Please let me know what can and will be done. A copy of this has been sent to CFPB.
XXXX is issuing credit cards without proper disclosure and is not informing customers about APR. I visited their store on XXXX in XXXX VA and the associate submitted a credit card application without informing me about the terms and conditions of the card and i thought i was getting a store XXXX card and not a credit card,
US Bank has closed XXXX accounts and XXXX out the credit limit on XXXX other credit card accounts and has confiscated about {$9000.00} worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered.
Swiss Colony  has been a thorn in my  XXXX . This company have sold the original account under my name and social security number to a collection company called  XXXX . I have complaint on  Swiss Colony  many times about the account is not mine and I have went through the credit agencies as far as placing a fraudulent alert on my credit files b ecause of Swiss Colony not believing me. Now   XXXX    have written me a letter to collect a debt for Swiss Colony but Swiss Colony still ha ve this account open on my credit files as of today. Okay, my mother have paid this account for me. On the letter from  XXXX , they mentioned that I can pay a discount of 50 % of the asking pric e Swiss Colony is asking for which is {$130.00} and 50 % of that is {$68.00}, paid. My mom paid it for me on the    XXXX / XXXX / 2017  with her bank card  XXXX   XXXX . I had received a letter from  XXXX  on the  XXXX / XXXX / 2017 . My mom paid the 50 % for me  so Swiss Colony can closed the account, but they never did. Swiss Colony still have this account current and open a fter they have sold the account to  XXXX . Also, I have disputed Swiss Colony account before the collection agency brought the account and Swiss colony still have not place the statement on my credit files that I have disputed the account by asking them to provide any information under my name and social security number to validity of the debt that I owe to them . Swiss Colony knows that  the debt is paid and they still have the account open and current on my credit files. If they dont delete their entry from all my credit files I will take them to small claim court. I have proof of everything that could have them pay me for their lack of communications and lack of their actions to clear this situation/matter up.  XXXX  have proof th at Swiss Colony debt under my name and social security number is paid.
My mortgage loan is currently serviced by Bank of America. I have applied for a HAMP loan modification on numerous occasions. Recently they issued a denial citing negative Net Present Value XXXX NPV XXXX as the reason - see attached. The principal component of the NPV denial is not described, leaving invalidity to their claim. I have asked them to clarify their reason for NPV and they have failed to respond. I also filed an appeal on this matter ~ see attached. Per my conversation with XXXX in the appeals department ( ID # XXXX ), B of A is refusing to acknowledge the appeal and address it. Bank of America is in violation of the National Mortgage Settlement due to the lack of transparency during the HAMP underwriting process. It is clear that they are motivated to foreclose due to the $ XXXX equity in my property. Per HAMP guidelines, I should definitely qualify under HAMP Tier 2. I do not want to lose my home and I am seeking your assistance on this matter.
Dear XXXX I received your letter stating that you felt that the letter I sent was a suspicious request. HOW DID YOU COME TO THIS CONCLUSION? I only sent you a simple letter disputing the accuracy of the trade line in my credit file. I feel hurt that your company is handling my dispute in this manner. You also said that the letter was not from me. HOW DO YOU KNOW THIS? Can you provide proof that it was not from me? You also state that you have not taken any action on this request. WHY NOT? I went to the XXXX XXXX, and it stated that if I find an inaccurate item in my report, then I have the right to dispute it, so why didnt you take any action? Can you answer that? You also say that if I send another letter requesting a dispute on an incomplete item, I will not receive a response. Is that correct? 

For verification purposes and to prove that the letter was from me and not from somebody else, I have provided you with proof : Currently I am reinstating my dispute. The following account is inaccurate : XXXX XXXX XXXX - The date of last activity is inaccurate. Furthermore, i have never been contacted by this company about the debt they claim i owe. 
XXXX XXXX - I do n't remember having a charge-off. This account shows a balance as well. 
XXXX XXXX XXXX This account is reporting inaccurate. 
XXXXXXXX XXXX XXXX - I have never done business with no have i been contacted by this company. 
XXXX. XXXX ( multiply accounts ) I have never gave this company permission to my medical information. How they have my information is clearly against my Hippa rights. I would like a medical release form bearing my signature or remove these accounts at once. 
XXXX. XXXX XXXX XXXX This balance and date of last activity is incorrect. 
XXXX. XXXX XXXXXXXX XXXX XXXX multiple accounts ) My loans have been consolidated and refinanced. I am not sure how this company is constantly flagging my accounts as late and negative. Please remove these accounts. 

Please get back to me. If, for some reason, you feel that you will not process my dispute after I have provided you sufficient proof of my identity, then I have no choice but to file a complaint with the XXXX, CFPB and attorney generals office.