WillisBack/dataset-financial-user-claim huggingface dataset:
My granddaughter received care on XX/XX/XXXX under a XXXX XXXX referral. XXXX XXXX submitted an insurance claim under the wrong last name although the correct last name was given along with name change court order and custody paperwork. I was out of town and they would not resubmit claim under correct last name when my wife called them in XX/XX/XXXX. Instead they turned it over to a collection agency called Receivables Management Systems whom are very rude and threatening in their tone and legal threats. I disputed the debt with them. 

I have provided XXXX the renewed authorization number on XX/XX/XXXX and again on XX/XX/XXXX for payment through XXXX. RMS validated the debt with XXXX XXXX on XX/XX/XXXX which is 11 days after XXXX received the new authorization for the insurance claims payment. Instead of removing the account from RMS after receiving an authorization, they validated it with RMS and it remains on my credit report as a collection when I have fulfilled all my legal obligations to resolve this. 

I asked that XXXX remove the account with RMS as an error of reporting, remove negative credit reporting and file the claim with XXXX. The initial problem was a result of a clerical error with last names not matching the original referral which had the correct last name. 

I am just asking for a common sense approach to this as it was really quite simple that XXXX had a referral for the correct last name but a medical claim from XXXX XXXX for the wrong last name. It was denied and patient first never resubmitted under the correct name even though they were alerted to the possible error in filing. 

Never the less, XXXX has now authorized the claim once again and to date, they continue to validate this as a debt to RMS, their collection agency. Additionally, I only received one notice from Receivables Management Systems in which I disputed. They had already placed this on my credit report before validating the debt.
XXXX XXXX, 2016, I recieved the letter from Weltman , Weinberg & Reis Co. , LPA and Current Creditor : XXXX XXXX. On XXXX XXXX, 2016, I contacted to them to find out whats going on and asked what is XXXX XXXX is? They explained what this company is, which I never had a member with XXXX XXXX or even I never sign with agreement contract with my signature to XXXX XXXX. Which I believe it 's FRAUD! Please help to FIX!
I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something i would like to know what the tracking number is so that i can track where this was send to because this is a clear violation of my rights and i want this XXXX XXXX account removed immediately.
This card was open in XXXX I never applied for this card I never stayed @ the address where the card was sent when I talk to the collection company they said the person was paying with a money order so that mean that's not my handwriting and I can prove my signature and I bought a house in XX/XX/2016 so why would I have a credit card mail to a different address
This morning I got a call from a company by the name of Superlative RM. The person refused to give his last name but his first name was XXXX. They have the CFPB logo on their website so I assume you are somehow endorsers of theirs. Anyway, I calmly explained to this person I did not owe any debt to the company. The rep laughed at me and said they were going to report the debt to the credit bureaus and said that I had to dispute the debt in writing. I demanded that they validate the debt as is my right under Federal Law but they refused to do so. I never signed any contract with this company and have never heard from them. They also called me from a ( XXXX ) ( XXXX XXXX ) phone number but I found out they are based out of California and are operating under XXXX different company names. He also had my personal information such as my social and I told him he did not have my permission to have or use this info.
I have reached out to Southwest Credit Systems L.P. on multiple occasions to let them know of a fraudulent account under my name and social security number. I asked them to furnish me with an detailed list of billing, showing what items I was supposed to be charged for and I was never recieved any information from them after 2 calls about this. I have NEVER have used this account and these charges are fraudulent!!! The company removed all charges from my credit history previously and after I resolved this charge it appeared again after months of being in dispute with this fraudulent company. I want this item removed from my credit report once and for all and I want a letter to be furnished showing that this is a mistake because this is hindering my able to obtain credit at places and last resort is to pursue legal action to have these items removed.
I have been trying to get my credit together before applying for a mortgage and have fought to remove inaccurate information off my report including information claim have been verified by providing me with statements or copies of billing statements. That is NOT sufficient validation. I have disputed online, and through mail. They have not sent me verification of contracts. I am needing proof other than the same automated message : XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity. 


XXXX XXXX XXXX Reported on XX/XX/XXXX {$0.00} Item Results Result : Dispute Not Specific ; Verified And Updated - It looks like this item is actually correct and it's going to stay on your credit report. You might notice some changes to your account info though ; it's been updated to reflect recent activity.
I sent a letter of NOTICE AND DEMAND TO VALIDATE DEBT CLAIM to Citibank on XXXX/XXXX/XXXX and they have 30 days to respond. 

They have sent two collections agency to try to collect alleged debt.
I got the following email from Chase this morning '' We have processed your request to change your e-mail address, based upon the information you supplied. 
Beginning immediately, we will send all future e-mail messages to your new e-mail address. You may want to review your Alerts delivery profiles to make sure future alerts are sent to the correct addresses. 
If you did not request this e-mail address change or have any questions, please send us a secure message from your Secure Message Center Inbox. " I actually did n't change my password, so I wanted to login my account to send a secure message. But my online access was suspended. So, I call Chase fraud department, they just changed my email back, and told me I need contact the customer service department to reactivate my account. After work, I waited for more than XXXX minutes to talk with a representative. She told me I need go to a branch. But the nearest branch is XXXX miles away. I asked what 's wrong with my account, she refused to tell me the details. It does n't make sense I need drive XXXX hour round trip for an issue I actually did n't do anything. I continued to ask if I can still use my current credit card, and it there a easy way to resolve this issue. The representative did n't answer my question, and told me that 's all she can help and disconnected the phone call. I never saw such bad customer service before. I have spent more than XXXX hour on the calls totally, but so far, I did n't even know what happened to my account. If some hacker changes my email every week, should I drive to the branch XXXX miles away weekly? That 's ridiculous.
To whom it may concern : I have a collection account on my credit files from a collection agency the account is as follows : XXXX XXXX XXXX account # XXXX XXXX, XXXX, XXXX. Please be advised that I am disputing these collections due the fact that the all the collection agencies does not currently have a valid license in Illinois to collect on debts. This information is stating that their license is currently not showing up at all/canceled/revoked/expired according to ( XXXX XXXX XXXX   ). I have sent them a dispute requesting a VALID CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT and NOT A BILLING STATEMENT. I will attach a screenshot of where this company is licensed to collect and it isn't in the state of ILLINOIS! I am requesting that you investigate this matter and delete these accounts from my credit file immediately or provide me with physical proof that all the collection agencies are licensed to collect debts in Illinois and A CONSUMER SIGNED CONTRACT WITH MY SIGNATURE ON IT. Your immediate response will be greatly appreciated. XXXX XXXX XXXX
My son took out a student loan and I cosigned the loan with XXXX company. He has been paying the loan for years. I received a collection notice from a TransworldAgency a debt collection agency stating that the loan was in default with XXXX XXXX. I never received any notification from the original debtor nor from XXXX XXXX stating that they had the loan now. I requested a copy of the promissory note which I received along with a statement showing all my son 's payments ( which is current through XXXX 2015 ). I do not wish to answer this debt collection company. I should not have received any notification since I was not the primary debtor and the loan is current. I have had issues with XXXX XXXX in the past with XXXX loans I cosigned for my daughter where they illegally sued me for payment without any prior notification that the loan was defaulting, etc. I in turn answered the complaints and had the default judgments removed ; however, I am paying the loans now. I did not go after them for unfair collection practices, but this time I wish to. I had signed an agreement with the attorneys that I would drop my lawsuit so they would remove the default judgments against me. It all was totally illegal and being that I had numerous medical issues to address and a full time job, I did not have the funds or the time to pursue suing XXXX XXXX and their collection attorneys. However, this time I wish to do everything in my power to stop XXXX XXXX from harassing those who have loans taken over by them.
I received a collection call because on my credit card through comenity bank because my I had missed a payment. I advise the representative who contacted me that I would go online and make the payment myself. I then asked him if they offered automatic payments, to which he advised they do not. He then proceeded to attempt to verify my payment information that I have saved on my online account. He read to me the last XXXX numbers of the checking account and provided the bank name associated with the checking account that I have on file. I asked him why that was important and he advised that he was working to schedule the payment for me. I then advised that I specifically told him that I would make the payment online and that I wanted to speak to a supervisor. The floor Supervisor that I spoke with was extremely rude, continued to speak over me, advised that the representative would have verified the payment information and if I did not agree with the terms then it would not have been submitted. The floor supervisor attempted to justify his actions by stating that they are required to take a payment over the phone when they make a verbal contact. Also, she advised that at the end of the payment script, if I did not agree with the terms, then the payment would not be submitted. Based on my knowledge of the banking industry, I believe this to be a potential UDAAP violation. I then asked to speak with another supervisor. I spoke with a specialist and advised her of all of this. She advised that she would submit the complaint and provide the information to her management. I did advise that I would be filing a complaint with the CFPB regarding these deceptive practices. I am extremely concerned that this bank is submitting payments from verbal contacts illegally and request an investigation of their payment practices.
In XX/XX/XXXX, I obtained a vehicle through XXXX XXXX XXXX. In XX/XX/XXXX, I started received notifications that my car payment was reported late almost every month until I traded the car in and got a new lender. I contacted XXXX during my current loan with them as well as on XX/XX/XXXX. I called and ask to speak with a supervisor, letting her know of my concerns for the inaccurate reporting of late payments. She basically told me there is nothing she could do to update the information anymore because I am no longer a customer. I explained to her that I have previously called numerous times to get this resolved, and I put in several complaints with each bureau. XXXX has repeatedly said this information was correct. 

I really need help getting this inaccurate information updated because it is affecting my credit in a negative way. All of the dates below are inaccurate. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Since XX/XX/2018, PNC Bank has been using my personal email account for one of their customers. I am not a customer of PNC Bank and never have been. I've been receiving multiple emails daily from PNC Bank regarding a checking account and credit card account associated with my email account. The checking account ends XXXX and the credit card ends XXXX. 

I have contacted PNC Bank three times. The first time I provided a great deal of personal information and was told a fraud investigator would look into the matter and call me. No call. The second time a fraud case was opened to address the matter. Nothing happened. The third time another fraud case was opened and I was told my email address would quit being used within five days. Still no change. The PNC Bank reference ID of the last case is XXXX. There was no reference ID provided on the first two calls.

Its difficult to know what other information PNC Bank may be using of mine, or if this is limited to email. PNC agents have been unable to assist. To date, I have received over 50 emails from PNC.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is
google promised refunds of over {$140.00} for fraudulent charges on my account, then they continue lying and eating around the bush instead of just honoring the promises already made also breach of contract and theft
Notified debt collector about verification of debt. What was sent back does not verify that  XXXX   XXXX   XXXX  owes the debt. It does verify someone by that name does owe it. The verification also does not allow for the satisfaction of the Fair Debt Collection Practices Act. The debt collector also reported this to my credit report.
I have an HSBC credit card, I did not receive statements for several months. I learned that I was delinquent by checking my credit report. When I called HSBC to inquire why I have not been receiving statements I was told I was enrolled in paperless. I said that I was not. I was directed to log into the customer portal to check and when I did it was confirmed that I was never enrolled. I was enrolled in paper statements. XXXX on XXXX/XXXX/XXXX apologized removed fees and interest and said a letter would be sent to remove from credit report. I received a letter on XXXX/XXXX/XXXX indicating that the letter would not be sent to correct the error because I was enrolled in paperless billing. Again, I was never enrolled in paperless as proved when I logged in that day. I asked them to play the audio tapes to confirm. I called back on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and spoke to two different people named XXXX. To date, the issue has not been resolved. This was caused by a glitch in the HSBC system through no fault of my own. I paid the outstanding balance over the telephone. I have never been late in my lifetime.
XX/XX/2015 I submitted a partial payment for an escrow shortage. I called XX/XX/XXXX to see if it was received and the lady said yes, but it was applied to principal and she would switch it to escrow and she did. She was looking at a different transaction- my bank had sent 2 full XX/XX/XXXX payments by mistake and one of them was applied to principal. Had she looked back one more week, she would have seen that they already received my escrow payment that I sent by check. When XX/XX/XXXX came due, I noticed what had happened because almost all my money was gone. I called them immediately and explained that the principal she changed to escrow was a mistake and to apply it to the XXXX payment. I had to write a letter to request this, and I did. I paid XX/XX/XXXX, but I would not have enough for XX/XX/XXXX since I had sent them an extra payment. They said it would get taken care of before XX/XX/XXXX was due. I called XX/XX/XXXX and I was informed the matter was closed and it still was n't applied. They have since reopened investigating, but now my XX/XX/XXXX payment is late.
Bank Of America at XXXX XXXX, in XXXX Florida received a wire from my bank on XXXX. The wire was executed based on fraudulent information provided to me from the deposit customer ( XXXX XXXX ) of Bank of America. The minute I figured out I had been scammed by the Bank of America wire recipient, I contact my bank to ask for the wire to be returned. Bank of America took 7 months to respond to my bank request, confirmed the beneficiary was still an active customer, and has since refused to cooperate in sharing information regarding their customer, customer relationship, or the wire or funds available to return the money to me. I informed the bank that one week before their customer opened an account at Bank of America, she had been arrested on credit card fraud charges in XXXX. 


Bank of America took until XXXX of 2016 ( 7 months ) to execute a hold harmless agreement and respond to my bank 's inquiry for account and account holder information. When Bank of America responded, they said the wire fraud perpetrator was still a customer of theirs but refused to return the money. They have since refused all contact with my bank. I have a police case filed in my home county and in XXXX. I have the BofA customer name, address, phone. But I am still out {$15000.00}. 

This wire scam included XXXX VERIFIED victims from XXXX XXXX to XXXX XXXX, 2016 with over {$520000.00} in known wire fraud amounts for these victims. I have names and address for a total of 82 persons who were ACTIVELY being victimized by the same wire fraud group called XXXX XXXX during the scam period. But the FBI and Police both had, and still have, zero interest in the case. Why? 

A XXXX Police booking sheet on the Bank of America customer, and an XXXX form, are attached to this XXXX  complaint.
My name is XXXX and once again i 'm writing cause i clearly do n't like the the way i was treated by net spend executive XXXX this guy is guy is liar and a joke cause when i started to explain whats going he would hang up the phone when i called back he told that call dropped i find that highly unlikely being that we both were on landlines this is that old way of controlling the conversation he said he had called me back which was lie cause i pulled records this guy think he 's playing with kid i have enough colleagues frat brother i 'll boy cote this company I 've been with this company for 10 years and its said how i 'm treated
I received a notification that an account that I had disputed was still on my credit report even after the company never responded from my original complaint over a year ago. AFNI Afni , Inc . 
XXXX XXXX XXXX XXXX, IL XXXX i NEVER DONE BUSINESS WITH THIS COMPANY. The account from XXXX has never been verified.
I got my 3 credit bureau report from XXXX which is a service provided by XXXX. When I got my reports on XX/XX/XXXX, my credit scores were as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX Later on today XX/XX/XXXX when I obtained my 3 credit bureau report, it showed that my score has dropped significantly, as follows : XXXX : XXXX XXXX : XXXX Equifax : XXXX There has been no changes to my report between XX/XX/XXXX and XX/XX/XXXX. No inquiries, no new debt, no new accounts, no missed payments etc. So I do not understand what caused this massive score drop. I tried to contact the credit bureaus via phone but they couldn't explain what caused the score drop even when there were no changes to my report and said that they can only file disputes. Since they were not able to provide me with a reason for the score drop, I don't understand what information I needed to dispute. 

The only reason I can think of is that, I disputed a XXXX account with all 3 credit bureaus. Probably, my dispute, changed the charge-off date to show that it happened recently. Probably in the eyes of XXXX it shows that the charge-off just happened and my scores dropped. Apart from this, there is no other reason for such a huge score-drop. If this is the reason, this is a violation of protocol where the bureaus need to report accurate information. They can not change the charge-off date to recent when it had happened over 2 years ago. As mentioned on CFPB website, filing a dispute does not renew the debt neither does it change the date. If it does, this is a huge step back for consumers who wants to file a dispute. I have attached my credit reports from XX/XX/XXXX and XX/XX/XXXX, which shows all my account details as well as my credit scores. 

If filing a dispute results in a score drop, US citizens are not safe. I am trying to get a home loan, but with this massive score drop, my chances of approval will be very slim and even if I get approved, the mortgage rates will be really high.
foreclosure sale date XXXX. I called wells fargo about my options to live in the home, they told me to apply for Loan Mode and re entry dept :. will decide to approve my case. I filled complete package but still wells fargo re entry dept :. told me that some of the papers they have not received. So I re fax again the same papers. wells fargo told me that during interview and re entry review process they will keep going forward with the Fore closure process and re entry dep :. will decide whether the will approve me or not and i will have no right to appeal. I also hired for help some consultant on XXXX XXXX th, XXXX and than on XXXX XXXX, XXXX Me & my family living in this house for 17 years and we all want to keep the property but we are not getting reasonable monthly mortgage. end.
i have XXXX accounts that this company has me listed as having that were from my idenity being stolen ... this company knowing this information is from a fraudulent source has continuted to hold these accounts with their company and report them as well evem try to collect on them