WillisBack/dataset-financial-user-claim huggingface dataset:
I am not the owner of the accounts, I wonder how they obtained my information, I never received any correspondence from them, please delete this from my credit reports XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
I paid off a debt with National Credit Systems. They repeatedly have refused to send me a confirmation of payment. I called and spoke with a representative whom told me I would be able to receive it the following day. I then called back, and the representative and supervisor were extremely rude and would not allow me to receive my email.
I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.
Dear United Revenue Corp, After viewing a copy of my credit report, I noticed collection accounts placed on my credit report from you in XXXX and XXXX. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof.
I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with credit plus for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from credit plus with a response from XXXX XXXX XXXX XXXX through Credit plus from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
I recently filed a complaint about Chase ; back in XXXX XXXX about a balance that I owed on a closed account in the amount of XXXX and some change ; with an agreed amount of XXXX. Hoever today as I decided to pay to call Chase to pay the reduced balanced. The lady in the collection recovery department was really rude and insisted that I pay the total balance due. So I 'm wondering if thier is something that could be done ; and what happened to the previous settled amount? I totally forgot the person who was my representative with chase. If someone can please help me sort this out. I would really appreciate it.
The problem began for the tax collector in the middle of XXXX when my name and tax amount was not included on the printout of payments from Mr. Cooper. This was just about the time that the files were being transferred to the XXXX XXXX. It went around and around and on XX/XX/XXXX when there was still no payment, he called me to get involved. I called the company. The funds had been withdrawn on XX/XX/XXXX and after that - no one had a clue. I spoke with XXXX XXXX who provided me with a direct phone number and had promised to expedite the issue and would get back to me on XX/XX/XXXX. That did not happen. On XX/XX/XXXX I telephoned your office, left a message for your administrator assistant and NEVER got a call back. Spoke with XXXX who again promised to expedite the issue since that had NOT been done by XXXX. XXXX assured me that she would do it, but it would take 3 business days and though I called first thing on the XXXX, that day did not count. I again called the corporate office and spoke with XXXX who promised to get back to me by XXXX XXXX ET on the XXXX as he was presenting the issue to his VP, XXXX. At XXXX XXXX ET I called XXXX who had forgotten and then called his VP while I was on hold. He told me that it had been reissued on the XXXX and he would give me a tracking # when he had it. He also told me that my taxes were not due until XXXX which is not true. An email from him this morning told me that the check, in fact, had not been reissued, but would be today and overnighted. As of XXXX XXXX ET, I  have heard nothing. With each conversation, the facts as they appeared to Mr. Cooper continually changed. I have been lied to, snickered at, patronized, misled, and have had an experience so horrific.
Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.
I purchased a pair of boots from XXXX XXXX online. When I received the boots, the zipper was broken. I sent the boots back and XXXX XXXX reimbursed my debit card XXXX, for the cost of the boots. XXXX XXXX also sent me a letter stating that they refunded the XXXX to my debit card with Wells Fargo bank. I have spent at least seven hours on the phone with Wells Fargo 's executive department and they can not reimburse me the funds because I closed my checking account with them thirty days prior to XXXX XXXX putting XXXX on my old debit card. Wells Fargo said they closed the claim because they sent the funds to XXXX XXXX. In the letter from XXXX XXXX, it specifically states that XXXX XXXX has no account or way to accept funds. This has been going on since XX/XX/XXXX. It is now XX/XX/XXXX. I am filing a fraud complaint since Wells Fargo will not pay me XXXX.
I applied to refinance my car loan with XXXX XXXX XXXX XXXX. 
I already have a car loan with this company and figure that it would be easy to refinance with XXXX XXXX XXXX. 
After applying over the phone I did not hear from them for over 2 weeks when I Had to call them to find out status of my application. 
After waiting 45 minutes and talking to 3 reps who did not what was going on, I then receive a letter stating that my application had been denied. 
The reasons stated were that my score was low ( XXXX ) when in fact my score is XXXX. 
Also to many inquiries .which make no sense because I only had my credit report pulled several months in the past Year. & I  believe that XXXX XXXX XXXX discriminated and used the lowest score possible to deny my application. 
I would like to know what remedy I have to resolve this issue.
There are multiple debts form XXXX collection agency listed on my credit report. Equifax is the difficult XXXX. I disputed with XXXX I was not notified of the debts or collection accounts and they removed them. Equifax, even when told the same cause, will not, even when I tell them the collection agency never notified me of these debts and I was not aware of them ( as an option to chose from ) they still keep stating it is my debt and wo n't remove it still. I tell them I should have been notified, nobody is proving if I was or was not notified in any way giving me a chance to review the debts and respond to them before they went to my credit report.
When I got out of school XX/XX/2010 I paid Navient a check for XXXX to pay down my student loan debt and they never credited my account. I have hired an attorney and I made them power of attorney on my account. Navient refuses to send me copies of payments made to me or them and they will not accept the power of attorney that we have sent them several times. Please I need help on what I should do because my loans keep adding up and I cant afford to pay this debt because they will not credit me the right amount that is owed. I paid the XXXX to XXXX because that was who I was advised to make my payment to from the school please see attached.
I have disputed the accuracy of collections account, XXXX, Account # XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX continuously reporting I owe {$310.00}. I requested proof that I owe this balance such as a contract with my signature, but the bureaus keep responding that " this account belongs to me, '' without providing the proof as requested.
I completed admission paperwork at XXXX Hospital and was pre-authorized for XXXX by my insurance company. At this time, I was told specifically by the admission representative at the hospital after asking several times that I had to pay a {$100.00} co-payment per my insurance company. This amount was paid and I got the impression that I could not have XXXX unless it was satisfied. I wrote on the admission paperwork paid in full that the hospital kept. 

Months later, I was contacted by an attorney, Brent Stamps demanding that I pay {$640.00} to the XXXX hospital. It was somewhat confusing to me because I had been told during the time of admission that I was only responsible for {$100.00}. Later, I was contacted by another debt collector requesting {$610.00} with a bill from XXXX Hospital with {$610.00} on it, but not indicating what specifically it was for and why I owed it. 
It is extrememly annoying to be told to pay additional money to the hospital when the preauthorization from the insurance company indicated what I owed according to the hospital admission/billing representiatve. When I asked how she came up with the {$100.00}, I was told that is what the insurance company indicated that I would owe XXXX. 

So to come back months later and indicate that I owe additional money when I questioned it earlier is very annoying. The bill sent to me also indicated a XXXX XXXX credit card payment of {$100.00} on it when I do not bank with them. So that too is inaccurate. 

The hospital stressed that XXXX could not be done unless there is prior authorization from the insurance company but then they misrepresent what is due at the time of admission.
Credit Control Corporation has been reporting on my credit profile that I owe them a debt {$220.00}, I 've has send them a notice of dispute which they received on XX/XX/2015, I have green card to prove they got it. They are still reporting that I owe them a debt, this is a violation of the fcra. My dispute is under notary seal, I gave them 10days to respond with a contract with my signature they failed to do so, and they mail me some frivolous papers, with out my signature witch is a violation of the, fdcpa, they 're also are violating the VA consumer protection laws
I am receiving calls at XXXX XXXX from navient, however their website states that they close at XXXX and they are calling at XXXX. These calls come from different numbers.
The cbna had a hard inquiry on my credit report 2 times and I did not authorize them to run my credit. It 's the CBNA
i c system has been trying to collect a debt that i do not owe, the original creditor is XXXX XXXX XXXX. i moved out of an apartment i legally followed every step so that i would not be liable for any bills, i did so, i was contacted by XXXX XXXX XXXX about the debt, who i also told I am not responsible for this debt an that they need to take it up with the people who still live there, legally i followed the law and did what i needed to, on XX/XX/XXXXi filed a dispute with transition on ic systems i still have n't heard anything back, they claim i owe {$97.00} which i do n't i also filed another dispute which came back negative, they say ic system has refused to give them any information or respond
I have a Santandar charge off on my credit report that has an address that is not mines and I have never lived at that address.
My credit card was used by someone else ( which I do n't know, it was all made online ). It is under investigation due to fraud and when I called Capital One they said they could take up to 90 days until they solve the issue. Also, I closed my secure credit card with them because instead they give me a credit card for people with better credit. However, in my credit history looks like I have XXXX credit cards with them. They are a mess and I 'm just trying to have a good credit.
I had been a XXXX customer for nearly seven years. 

My next bill date of XX/XX/2017 was for {$130.00} plus other charge of {$79.00} for service call of XX/XX/2017. I dispute that {$210.00} bill. 

The {$79.00} was for loss of service due to incorrect - unprofessional installation through no fault of my own. Cable was improperly connected at the pole allowing rainwater into the cable that caused the failure. 

Before the end of the grace period of the next billing cycle from XX/XX/2017 to XX/XX/2017 for {$130.00}, I called XXXX on XX/XX/2017 to cancel and discontinue my account no. XXXX XXXX XXXX XXXX. 

I was instructed that XXXX would not retrieve the cable box and modem. The next day I delivered the cable box and modem to a XXXX office on XX/XX/2017, receipt : XXXX. 

My balance to XXXX is {$0.00} Since then XXXX has continued to bill me for services not rendered or no longer wanted. 

{$210.00} above : Services from XX/XX/2017 to XX/XX/2017 I also dispute the following bills. 
{$350.00} then : Services from XX/XX/2017 to XX/XX/2017 {$410.00} then : Services from XX/XX/2017 to XX/XX/2017 Since then XXXX has hired two collection agencies who declined to collect on the false claim after I sent them documentation. 
XXXX has continued to report that false claim to the Credit Bureau negatively affecting my credit score.
I am simply trying ( having just spent an hour in my account at Navient.com ) to payoff my federal student loans in full. Navient, unlike Sallie Mae from whom Navient took over these loans, makes it pretty much prohibitive to do so : there is no option anywhere on the site to pay in full AND CLOSE THE ACCOUNT. There are options to make payments, but there is no final disposition option. I do not trust this company, if in fact I pay my balance, to close out these consolidated loans. In the past I have tried to pay off one of them in full but Navient just applied my payment evenly across both loans ( it was obvious given the amount paid that it matched the balance on one of the accounts ) so it could maximize the amount of interest it was getting. Now I just want to close this out and given that they literally do not provide that option on their site I have no confidence that my payment will in fact close this out, rather, that I will have this loan lingering. Note that their tactics- to inhibit/prohibit closing out accounts and thus eliminating their fees- is simply fraudulent, deceptive and maddening.
I have multiple times disputed XXXX XXXX XXXX collection to be to be removed from my XXXX and Experian Credit Reports. At least for XXXX XXXX I have disputed several times and they have failed to remove this information from my credit report as the company has failed to provide any information from the original creditor on this debt, in fact my complaint through the CFPB they stated they are " trying '' to contact the original creditor, in the last two years they have n't sent anything!! In fact I called the original creditor and they do n't have any records for me. Thefore if this balance, proof of fees added illegally after charge off or a balance billing statement this collection should be removed. The told on themselves by stating in there response back CFPB that they have be unable to verify the balance on the public details of the last two payments one in which was the month before the account was charged off. This is not info to fall under FCRA, they must provide more than what is on my credit report to verify its accuracy. XXXX does not report this but Experian and XXXX XXXX are both illegally reporting this trash
Yesterday night on XX/XX/XXXX, I submitted a complaint about that XXXX keeps illegally information which was successfully discharged by FEDERAL JUDGE in Washington DC in XXXX. I already contacted XXXX about this problem in XXXX, they did not respond to me and explain why and what for XXXX still keeps illegally outdated info, which was removed from all credit reports in XXXX? According to US Trustee - who made payments to PFCU- she paid in full for PRINCIPAL to XXXX. 
the XXXX got in full payment for principal. 

I also have had an attorney for Bankruptcy ( RECESSION TIME XXXX ) whom I informed about this and I asked XXXX to contact my attorney and not me PFCU still is keeping a feature on my account at XXXX, and asks me to make PAYMENT. also this case was discharged in BK in XXXX. Case closed. 
JUDGE wrote on the ORDER : no creditor collector can come to me and ask for payments after it was discharged in the court of law. 

The XXXX still keeping old pre BK info and statements and still asks me to make payments. 

I have no other choice but to notify my attorney for BK about this violation of the bankruptcy law. 
FYI BK CH XXXX to stop foreclosure was successfully discharged in XX/XX/XXXX. 

I submitted complaint yesterday night, it was emailed to XXXX, I received a response today : that they deny to me in credit card because I was causing them a loss in XXXX. 
I did not ask them for credit card. I asked XXXX to remove illegal improper information what they keep there on my account and they ask me to make payment for the card which was filed and discharged in BK CH XXXX to stop foreclosure. 
They can not ask me for payments and now I will contact attorney about this.
Today ( XX/XX/2018 ) I received a call from ERC asking for XXXX XXXX. This is the first time they have called asking for this person. The calls have been going on for years now and I repeatedly keep asking them to remove me from their list but it continuously keeps happening. It may not be the same company each time since the numbers are always different and from different states occasionally. I am an XXXX XXXX military member and find it exceptionally aggravating getting calls throughout the day ongoing for several years now. Please help me remove my number forever since I am a XXXX and changing my phone number would be detrimental to achieving my XXXX mission.
On XX/XX/XXXX I pulled my credit report to go over it and I saw a Collection entry on my report from Credit Collections Service The funny thing i that they are collecting for nothingwhich was included on my Chapter XXXX Bankruptcy in XX/XX/XXXX. The bankruptcy was discharged on XX/XX/XXXX. This collection item was opened on XX/XX/XXXX this should have never been opened and they should have never reported this collection account at all. This item needs to be removed now. I have disputed this item with all three credit bureaus and I even tried to get through to them but I was told that I would have to pay the money or face a judgement or they would garnish my money. Ridiculous this is. This goes against my rights under the Fair Credit Act. You can not do this you can not just go and illegally insert fraudulent accounts on my credit report. This is a crime this is wrong.
On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX in the form of a Notice for Execution Against Wages. 

The original creditor is XXXX XXXX XXXX. The NJ Docket number is XXXX This was originally opened in XXXX and is well beyond the NJ statute of limitations for credit card debt. 

Furthermore, I don't work for the company noted in the letter. The company to whom they are attempting to go after wages. 

I searched the docket number on ACMS Public Access website and there is NO current activity on this docket number. Also, there is no official court representatives signature on this document either.
In XXXX I went into a Navy Federal Credit Union branch in The XXXX XXXX area and filed for a refinance for a XXXX XXXX XXXX that I purchased through them. I was told on the phone earlier in the month that I could do that by one of their agents. I was out of work and had been since XX/XX/XXXX and was starting to fall behind in payments. I was told this as a temporary solution to my financial problem. We went back and forth for a couple of weeks and then they decided to grant the refinance. They told me that I could n't get the refinance unless I give up the insurance that I had on my loan. Since that time I noticed that they are charging me {$29.00} assessment fees and increase Balance adjustments fees also {$29.00} during the month. This is not helping when it comes to paying off an account no matter what kind. We have discussed fees many times and I am tired of talking to them about this and need help. I am a long time customer and been with them for many years without incurring any problems until now.