WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX is showing an account with Westlake Financial Services that went into default back in XXXX. The account states that it will be removed in XXXX XXXX, which essentially means that the item initially went into default XXXX XXXX. I believe that the timeline has been moved forward, and that the item should be removed immediately and permanently. The credit trade line for enforcement has passed and the timeline for it being maintained has surpassed the 7-year rule of the Fair Credit Reporting Act. Accordingly, this account should be deleted with all perspective credit reporting agencies.
The source of this debt is a visit to the XXXX hospital. My wife was XXXX of 5 months at the time. She XXXX. All the literature states that if that happens, one should get checked asap. 
Therefore we went to the closest XXXX. Our XXXX plan has a coverage for XXXX visits with {$100.00} copay. 
We were admitted through the XXXX and taken to XXXX ( XXXX XXXX XXXX ) on a wheelchair without asking anything. Her insurance information was taken when admitted. 4 months later the hospital sent us a letter saying they were experiencing lack of cooperation from the insurance company. 
The insurance company has gone as far as stating that the XXXX should have contacted them before sending us to XXXX XXXX XXXX. The hospital ( logically ) argues in a situation of XXXX where there is a XXXX there is no time to waste on bureaucracies. 
When we called the hospital about the debt, they said there was nowhere to specify that the XXXX XXXX XXXX treatment was provided through the emergency room on the system. However, they said the insurance company should know all XXXX XXXX XXXX interventions are emergencies, as they are never scheduled. 
The insurance on their end argue that if the invoice does not specify that it is an emergency room situation with its corresponding code, it is not covered as such. 
We 've discussed with the hospital and they said the system does n't have that code input - it is either XXXX & XXXX or emergency room, but it can not be emergency XXXX XXXX XXXX, and the best they can do is put it as a note in the invoice. 
We 've gone as far as coordinating several calls between XXXX payments department and the XXXX financial departments to clarify the situation, and have reached a stalemate. XXXX claims they can not pay without the XXXX code, and XXXX say they can not do it on the system. I even have recordings of these calls where hospital agents admit it 's not our fault but they can not do anything about it. 
I 'm afraid there is nothing more I can do, but it is not my responsibility to pay the bill for something that is clearly a systems issue between the insurance company and the XXXX.
I answered a phone call after being called 9 times in a 24 hour period. It belonged to sunrise credit services, stating they are collecting a debt on behalf of XXXX XXXX XXXX. I told them that they have violated FDCPA guidelines. They said they have only called us once. My phone records show otherwise. They also called from different numbers.
I have written to the CRA and disputed the following negative items : XXXX, XXXX, XXXX & University XXXX XXXX. I have also written to each creditor twice and I have not gotten a response. I asked the CRA recently to please provide me with the info the creditor is submitting to them that is allowing them to continue to state that the debts are validated. Each is not responding except for XXXX who is using the XXXX as a collection agency who I informed via the phone to not contact and I responded to them in writing asking for debt validation they have not gotten back to me and The collection agency keeps calling me.
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.
I recently gone through a financial hardship and was unable to make the payment on time, and it affect my credit score, now that I am finally back on my feet, will you help me remove the payment that I have missed, so that my credit score can be back on track.
I requested a deferment until I found a job that I could make the payment and the principle triple in the amount owed.
Comenity Bank, credit issuer for XXXX Credit Cards, called someone at home who was not the debtor, guarantor or otherwise connected to the delinquent credit card account. The debtor has never lived at the address called or the phone number contacted. Comenity Bank therefore conveyed private debt collection/credit information regarding consumer debt to the wrong party, not the debtor.
I DO NOT RECOGNIZE THIS COMPANY nor the Original Creditor thats showing. I've disputed in both XX/XX/XXXX and XX/XX/XXXX the account and it came back verified. I have requested method of verification on XX/XX/2018 for this account of XXXX XXXX XXXX XXXX was told to contact the creditor. Based on FCRA 611 ( a ) ( 2 ) ( B ), I was supposed to receive all of the relevant information used in the investigation to " verify '' this as a valid debt/account belonging to me. I only received a notice telling me the account was verified and to contact the creditor. WHICH I HAVE and they have NOT been able to send me any valid documentation that they own or have right to any accounts belonging to me. If this is unresolved, I do plan to contact the XXXX XXXX XXXX and the FCRA about the false information that is remaining on my report without any validation or verification that it belongs to me.
Two huge issues that have been outstanding for 18+ days.

1 ) I purchased in the few minute window XXXX was live after initial launch and the price shown was invalid. My order for XXXX went through at XXXX and coinbase app charts are showing this never hit that. It was at XXXX for day which was also not true. As per your terms of service this transaction should be invalidated within 10 business days of reporting it - been longer than that. Please help! I spent hours on the phone and email is unresponsive. They canceled and cleared the order books of tons of orders but for some reason mine did not make the cut. Not sure how that is legal.. if they were to call off the launch - everyone 's orders should have been cleared - not just some. 

Case Number : http : //support.coinbase.comXXXX - no relevant response. They forwarded me money about a fork - which this had nothing to do with and I have n't heard back since. 

2 ) I sold .5 ETH 18 days ago at XXXX and it was never credited to my USD wallet. It just vanished into thin air. CoinBase, please invalidate the transaction since it didnt go through properly. No response since i logged this on XX/XX/17. 

Case : XXXX - no response whatsoever. 

-- - General Experience : Two hours on the phone the first time around and they said they could n't help me - need to email and wait. I did and I just learned after spending another two hours on the phone that I was waiting in the wrong department / queue - and needed to call a separate number. Apparently posting to the cases asking for updates also puts me further away from a response and resolution. 

This is outrageous - it 's theft & a scam. I 'm loosing money by having it tied up in invalid transactions and transactions that never went through. 

Any help would be appreciated. 

Thanks!
A woman who identified herself as XXXX XXXX of Simm Associatesleft a threatening toned message that I was to call her immediately about a debt that she is trying to collect on. 
she gave the number : XXXX XXXX XXXX XXXX XXXX gave me a bogus 'debt file number XXXX looked this number up in the reverse directory. It is identified as a telemarking number with multiple extension and numerous complaints attached to this specific number. 
I DO NOT HAVE ANY OUTSTANDING DEBTS. 
THIS PERSON CALLED ME AT MY WORK NUMBER!! 
This website notes this specific number has XXXX complaints!! 
http : XXXX # XXXX
response to : Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection XXXX : sent a billing statement as of XX/XX/XXXX with a payment due date of XX/XX/XXXX. 

I paid the full amount on XX/XX/XXXX. This was not reflected in any billing statements. XXXX sold the loan to XXXX/XXXX. 

Did XXXX sell my loan after I paid it in full? 

Did XXXX still continue to express that I had a payment due on XX/XX/XXXX when they sold the debt in XX/XX/XXXX?
( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.
Trying to make payments to Synchrony Bank through their automated system since they charge {$10.00} for agent payment help. However, I feel there is a scam in that you can not get through. You enter what they ask and it does not take. Over and over again. You are endlessly trying to make a payment then because it is not made I get a late fee or charges. You also get a message that wait time is extensive please call back later. Secondly, when they call they say they are Synchrony Bank but do not give any other information. When I call they ask why am I calling - DUH. I have multiple accounts with them which one is it? This occurs month after month!
i am trying to explain my credit card company, discover card about my issue concerning a unauthorized charged from a sharing vacation company, named holiday vacation.i sent an email from the company as a proof saying that the have refund my money and cancel off my contract. i was trying to contact them, but i couldnt. i talked to my credit card bank discover and they say that they have made a decision about my case and not to refund my money. 

discover bank is not really helpful. they didnt research very well. 

i am very worry about that. please help me up with this matter.
After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.
I have sent Early Warning Services a validation request twice to verify XXXX XXXX and XXXX XXXX XXXX and they have yet to do so. They continue to say that these negative accounts are verified, but they ca n't provide the proper documents that they used to determine the negative accounts verifiable. I DEMAND that this company properly investigate this matter or REMOVE these negative accounts immediately. They should n't claim that these accounts are verified if they ca n't prove how they were verified.
Transunion re-inserting deleted information on XX/XX/2018 I discovered negative credit item has been re-inserted into my credit file. you are required to notify me within 5 days of re-inserting a deleted item I did not receive any such notification as the law require the item XXXX  XXXX {$230.00}
I asked them if I could pay this debt or a settlement would they do a pay for deletion. They said yes. They did not keep there word. I paid this debt and they said they would delete it from my credit report. All  XXXX  bureaus. It 's still reporting on my credit report. The account was paid. I then received a letter in the mall saying Please be advised that this office represents  XXXX   XXXX   XXXX  concerning the above preferred account originated from  XXXX    XXXX    XXXX   XXXX  According to our client on his record there is a balance due of them out at {$340.00} this will acknowledge and I was a report of your settlement payment amount at  XXXX  on  XXXX   XXXX ,  2017 th is account is being said or close by our office thank you for resolving this matter yours truly P.  XXXX   XXXX  ... This is NOT what I asked for.
Transunion had a glitch in their system that violated the rights of the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

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 XXXX ) XXXX ( XXXX XXXX )
Santander Bank failing to refund funds from 2 forged Checks. On XX/XX/2018, I wrote two checks to pay for a title search to obtain a mortgage from what I thought was XXXX XXXX XXXX, under the name of XXXX XXXX   XXXX, which I had found was bought out by XXXX  XXXX XXXX. 

As it turned out, this was a loan scam, and the person who cashed the checks was not a mortgage loan officer or worked for any bank, as reported by Washington State Department of Financial Institution. furthermore, XXXX XXXX XXXX has impersonated the identity of a licensed mortgage loan originator to gain my information and trust. XXXX XXXX XXXX I requested a stop payment on both checks, which was denied by Santander bank. They told me that the checks had already posted, but I knew the funds had not been withdrawn, as I had as well demanded my money back and the guy was assuring me that the would refund me the money. As soon as the checks cleared, I was no longer able to contact XXXX XXXXXXXX XXXX. 
I was not allowed at first to file fraud claim as the Fraud Agent at Santander told me that my signature meant there was no fraud since I had signed the checks. What he did not tell me was that the Signature on the back of the check, which was forged should have allowed me to file this claim.

I was able to file the claim after receiving accurate information that both signatures must be valid and that Santander bank, was perpetuating a Fraud by failed to disclose this information. It was clear to any reasonable person looking at the back of this check that the signature was forged.

The person was able to cash the two checks made out to XXXX XXXX XXXX with a fake stamp and a fake signature through XXXX XXXX, which has stonewalled me with regards to my claim, stating that only my bank has the right to put in the claim. 

XXXX XXXX instead demanded an affidavit of forgery from XXXX XXXX XXXX, the band that was supposed to be receiving the funds. When I went to get the affidavit of forgery from XXXX XXXXXXXX XXXX from XXXX XXXX, the Customer service representative at XXXX XXXXXXXX XXXX, stated to me that it was Santander 's  responsibility to get that the Affidavit and that I should have had the funds refunded a long time ago. 

I already provided a notarized affidavit of forgery, which I signed and is attached to this complaint. XXXX XXXX is now refusing to refund the checks mentioned above, on the grounds that they need an affidavit of forgery from XXXX XXXX XXXX, is a fake company and signed with fake signatures. Therefore both Santander and XXXXXXXX XXXX is perpetuating a Fraud, by not disclosing the person who cashed the checks, knowing that they are liable for the damages or possibly closing that account knowing that it is being used to perpetuate a fraud. The bank is also refusing to disclose any information, as to who cashed the checks and therefore are perpetuating this fraud. Thank you for your time and assistance. 

Attachments XXXX XXXX XXXX Advance Fee Loan Scam Washington State.pdf ( 55.5 KB ) Copies of Cashed Checks.
XXXX 2016, I mailed my mortgage payment. The payment was lost in the mail. I received a call from Freedom Mortgage advising me that my payment had not been recieved this was XXXX XXXX, 2016 I immediatly placed a stop payment on the check at the Mortgage companys direction and paid my mortgage payment by phone. This is when my demise began I began getting calls advising me I had not made a payment. I provided an internet copy of my bank statement showing the payment had been deducted from my account. Upon reciving my bank statement I sent a copy showing the money had been taken out of my account. In XXXX I sent my check mortgatge payment certified mail. through this ordel I have spoke to supervisor after supervisor telling them I owe nothing there response was we will look into it. It appears that the person that took the info over the phone for the XXXX payment applied it to Principal again supervisor after superviosr advised me this would be fixed with no penaltys. I continue to get a call daily. they now are dunning me for the XXXX payment. They read notes each time they call and tell me this will be straightened out I continue to get a new perosn calling me daily. Typically while at work. I have never in 20 years been late on a mortgage and I am not behind now. I merely want this matter cleared up and the harrassment to stop. The incompetence of this company is horrible.
This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to   XXXX   XXXX   XXXX  . Except I do n't do business with  XXXX   XXXX . I visited  XXXX  and ask them if they have an account under my name, gave them my driver license and the letter from ERC.  XXXX  search and came back negative, they do n't have me as a customer, they also checked back dated to year  2014 , nothing.     I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC,  XXXX , gave them the reference #  XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer.       XXXX   XXXX   XXXX
I contacted Loan Depot in regards to being off work ill since XXXX. I made all payments on time never late until savings ran out in XXXX. I sent them my job offer advising them I was starting new job and will be able to make payments on time. I ask if I could get one month deferment and was advised no. They refused to take partial payment which I advised i could make biweekly payments to get current they refused and told me to do loan modification ; deed in lieu. I applied for modification In XXXX and have been getting run around since and modification still not completed. Home is now in foreclosure with sale date and I never got update from mortgage company in regards to anything or status of modification. I only got updates because I was calling weekly. Than I started getting hung up on every time I called or recording stating leave message someone will call back and never have called back. I had to start calling off other phones to get thru and speak with someone about status and not enter loan number or will get hung up on. This company has caused me so much stress and the process in which they function is terrible. If the calls are recorded I would love to have them pulled so the CEO and share holders can hear and see the unjust I have been experiencing since XXXX still with no solution to my home. I believe they have caused me more fees and stress than my initial call when I ask for a month deferral which I would have had account current in two months time.
Checkr background reporting company has reported inaccurate information to XXXX and XXXX regarding an issue I had with USDA. The item was an administrative action that Checkr is reporting as if I am on a XXXX XXXX for criminal activity. This item is a dispute and was handled administratively, never adjudicated in a court of law, never a case or charge filed, and never a criminal or civil complaint filed against me in this matter. This was simple an administrative action to limit board members of the organization from using this service until the issue is resolved to satisfaction. 

Checkr 's report is misleading and inaccurate in that it reports this item as follows 1 ) Court Jurisdiction- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE. There is no such court jurisdiction - this information is inaccurate and misleading 2 ) Charge- US DEPARTMENT OF AGRICULTURE FOOD AND NUTRITION SERVICE DISQUALIFIED INDIVIDUALS LIST Disposition INDIVIDUAL TYPE : INSTITUTION RPI ; DISQUALIFIED There is and was never a charge associated with this issue in a court of law. This was simple an administrative action, not a case, charge or any such. 

I request this item be removed from this portion of the report, and re-issued to XXXX and XXXX as correction of items reported in error. Also I request information on how I can pursue damages for the loss of income in the amount of {$1200.00}, to date for lost income from XXXX since XX/XX/18.
Back in XX/XX/XXXX I sent a dispute letter to XXXX and Experian asking them to verify how they determined that my bankruptcy was verified. They have failed to do that they replied with a letter stating that the bk was previously verified and they will not re investigate the dispute. My name could have been used from anyone with the same name as me. If you XXXX my name it pops up all over the web. I have no contract with the courts or anyone else showing that i have filed a bk.
On XXXX/XXXX/XXXX I opened a Brandsource credit card from Citibank, XXXX with 0 % APR for the first 12- month period and paid the balance in full on XXXX/XXXX/XXXX before the 12- month period expiration date of XXXX/XXXX/XXXX. I made total payments of {$1200.00} for an actual purchase amount of {$1000.00}. I have all copies of the paid checks and statements from the company. 
Unfortunately, I was shocked to receive a a bill for {$530.00} from a collection agency Named XXXX XXXX XXXX, XXXX. 
I have complained to both the creditor and the collection agency and have not received a response from neither XXXX. 
Copies of all documents, paid checks and statements were sent for both the creditor and the collection agency for verification of full payment of the account. 
I would like to file a complaint with your department.
Yesterday on XX/XX/2017 It was brought to my attention by Wells Fargo cus rep that some been using old account of mines ( debit cards ) that 's was stolen I file disbursement immediately Wells Fargo XXXX on XXXX try to force me to give false information and discrimates causei had to right my pin down to help me remember due to a XXXX XXXX refuse to file my claim cause I refuse to all her to force me against my will to give false information unless it this lady XXXX committing these false act herself using my identity base on her behavior attempting to force me to give false information against my wil and refusing to file my claims once I notice the fraudulent activity