WillisBack/dataset-financial-user-claim huggingface dataset:
I have received numerous calls from a Collection agency Credence ( credence.com ) XXXX or XXXX ( Ref # XXXX ). The first contact was last month XXXX XXXX, for medical services provided in XXXX XXXX. The Medical responsible party for this bill is the patient 's father. The collection agency has the correct mailing address, and insurance information for her father, but has my name and phone number ( and is insisting that I am responsible and will have my credit score hurt if I do not pay the bill ). I informed them that not only do they have the wrong name on the account, but that the legal responsible party is the father, per contractual terms of our divorce document. 
The collection agency first contacted me on XXXX XXXX, XXXX I spoke with supervisor XXXX XXXX. I informed him that he was contacting the wrong party and verified that they had the correct mailing and insurance information on file for the father. I also confirmed with the father that he had not received any prior contact nor any notification about an outstanding doctor 's bill. 
On XXXX XXXX, XXXX, after the father verified with XXXX XXXX XXXX that the deductible had been met, Credence collection agency resubmitted the medical claim to XXXX XXXX XXXX. Today XXXX XXXX, XXXX I received a call and spoke with supervisor, XXXX XXXX ( XXXX EST ) he informed me that the claim had been denied due to late filing. I again informed him that he was contacting the wrong party, and he should call the other name and number on the account, but insisted I am the only party, and my credit will be hurt, and more collection efforts to follow. I have reached out to the father to make him aware of this issue. His concern is that they waited so long to resubmit the claim and now insurance company is denying due to their neglect. 
Please help - I am worried that my credit score will be negatively impacted by their mishandling of the account information and delay claim submission. 
THANK YOU for your time and attention in this matter! 
Sincerely!
I received a letter stating Wilmington Trust holds the note on my mortgage I believe this to be false, the originator of the loan is XXXX which went bankrupt a month after I closed on my home, currently it states they still own my XXXX mortgage yet XXXX XXXX XXXX serviced my XXXX mortgage.
I have a credit card with Chase bank for XXXX - XXXX XXXX. Online billpay was setup with XXXX XXXX XXXX, and the option to not send paper bills is enabled through that interchange. Chase for a period of 2 months did not send electronic bills, sending account into collections. The Electronic Data interchange ( EDI ) between XXXX XXXX XXXX and Chase is setup in a Push method - Chase has to send them bills. So all Chase needs to do in order to collect late fees and interest is not send bills, which they did in this case. I paid the balance and closed the account. Today I received an electronic bill for another fee related to this issue, and I received it via XXXX XXXX XXXX. So, this issue was entirely manufactured, and I can trust it has affected other electronic banking users.
In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. 
In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. 
After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. 
Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!
I recently refinanced through XXXX XXXX in XX/XX/XXXX and my first payment is due in XXXX XXXX 2016 according to the note. However i received a letter dated XXXX XXXX 2016 that the loan was sold to CMC funding C/O XXXX XXXX XXXX. After numerous calls in XX/XX/XXXX to both XXXX XXXX XXXX and CMC funding i have not received loan account numbers from new Servicer. I was told from both bank agents that I would receive welcome packet within 15 days from the first payment is due. Today is XX/XX/XXXX and i have not a welcome packet. After calling CMC funding on XX/XX/2016, they could not even locate the file, using SSN or home address. The XXXX XXXX agent directs me to call XXXX XXXX XXXX, XXXX XXXX XXXX directs me to CMC funding and CMC funding is Directing me to XXXX XXXX. 
I have attached the letter and could CMC answer why I have not received a welcome packet within 15 days of due payment Thanks
In XXXX I requested to be put on the Income based repayment plan. I was ( and am still ) working but could not afford my bill. After some demanding they did put me on the IBR plan at Navient. Every year I have diligently renewed my application. In XXXX, I had lost my job and pretty quickly was hired by a non- profit. I called Navient and asked how this affected my IBR plan. They told me that I was still eligible and that my loan would only be for 10 years as long as I requested each year for my IBR renewal. In XXXX, I learned that ( on my own, not from Navient ) that it is a good idea to check with your loan company to be sure that you have Qualifying payments and loan forgiveness. I began then to send the forms for loan forgiveness. It was not until XX/XX/XXXX that I learned that my student loans were not eligible for forgiveness unless I consolidated them to a different loan company - XXXX. So in XX/XX/XXXX I began the process of consolidating to XX/XX/XXXX since I still work for a non- profit at very low wages and still can not afford my student loan payment. I feel however, that Navient did an injustice by not telling me that my student loans were not eligible sooner and not notifying me in anyway that I would need to consolidate with a different company. I lost seven years of qualifying payments for loan forgiveness and had to start all over again at 120 payments.
I was a co-owner of a XXXX. I was bought out contract was developed the contract stated that the new owners would assume all liability for all outstanding debt for all accounts. Two years later I was sued by XXXX for a bill that was not in my name but the account was open by me when I was an owner. 
A judgement rendered against me. I paid the account and a in turn I sued the new owners who did n't fulfill their contract obligation. 
I have a judgement against me although I was out of the business for over two years. 
I have the paperwork to confirm both settlements.
I applied for a 20 year mortgage refinance from Chase bank. I have excellent credit, and a 15 year work history as a prosecutor, in house counsel, and sole-practioner. The original mortgage has never had a late payment. The underwriting process dragged out for months even after I supplied all necessary documents, and I was eventually denied credit by Chase. The appraisal for the property came back {$380000.00} and the amount of the loan was to be {$200000.00}. I have never had a late payment on any account including the current mortgage for the last 10 years. I am damaged because the underwriting process took far too long ( well past 30 days for the decision ) and interest rates have now gone up. Additionally, there is a credit inquiry on my credit report from Chase.
Notification that because the Fed had recently increased interest rates that our home payment would increase again on XXXX XXXX, XXXX. 

To my knowledge there has been no increase since XXXX XXXX, XXXX ( according to the " Guardian ''. According to the guarding again : " The Federal Reserve ( Fed ) put any further increase in US interest rates on hold on Wednesday, announcing rates will remain unchanged for at least another month '' in the Fed XXXX meeting. 

Why would Bank of America be allowed to raise rated at this time?
The company 's website does not give a clear concise history of principal and interest paid. I did not always get payment confirmations, which is the only way to see how your P & I payment was applied, the customer portal does not provide such details. I made a significant payment ( XXXX % of outstanding balance ) and my P & I structure did not change. I sent two messages stating this and NEVER received any response. I fear that I was overcharged interest but they will not respond.The company 's website does not enable consumer to track outstanding balance on a regular basis. I fear that I have been overcharged! It seems that this is on purpose to keep consumer ignorant and make sure we are not able to see any errors or mistakes on the company 's part. This leave open ample room for fraud! I sent messages to the lender communicating this fear multiple time and no reply in over three months. I believe there maybe fraudulent activity on their part!
Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX
I paid my federal student loan off in full on XX/XX/XXXX with a payment of {$26000.00} to Nelnet. I watched my account each day to wait for it to clear. Apparently interest was still accumulating during the bank processing fee. On XX/XX/XXXX the charge had posted to my bank account but not my Nelnet account, so it looked like I had paid nothing, yet I was still accumulating interest! After I called them the interest went down from about {$20.00} to {$9.00}. They are charging me {$9.00} for interest on my loan I paid in full after the XX/XX/XXXX date. I took to XXXX and social media being very angered, because this is one shady practice, it 's unethical and it 's deliberate. If I submitted to pay my loan off on XX/XX/XXXX I should not being paying for interest on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. I understand why they are doing it, you XXXX XXXX XXXX kids over for an extra $ XXXX- {$10.00} you can make a lot of extra money. But it 's unethical and wrong. It 's not about the money, it 's a matter of principle. Essentially I paid the XXXX loan off and they came back five days later asking for XXXX bucks, down to {$9.00} for the interest during bank processing time AFTER I paid the loan. Let 's see what your agency does, or if your are in with the corruption and greed. Believe me I will make the results of this known.
Servicer failed to respond to short sale request and then declined a full priced offer for no valid reason - gave us the amount they would approve then after receiving that amount declined - also never returned calls - did not process request
I need help with my Citi Credit Card. I have working with their dispute center regarding an item I charged. The ongoing dispute : the merchant I purchased a washer/dryer from, sold me a " new and working '' item, but it was installed broken, and although I have proof that the merchant gave me a refund and return option, via saved XXXX conversation, the merchant says it was an " as-is '' broken item I purchased without a right to refund. 

My issue with the Citi Credit Card dispute center is one, they are not representing my interests and two, have now closed my dispute due to " lack of response by myself, XXXX XXXX ''. I did respond, within the time frame and have proof. 

The dispute department and myself have been communicating via email. On XX/XX/XXXX at XXXX XXXX   CST, XXXX XXXX asked me to supply two additional items by XX/XX/XXXX. I replied on XX/XX/XXXX at XXXX XXXX, within 3 hours of the request, and I have a copy of the sent email. Yet, today XX/XX/XXXX, I received an automated notice that my dispute was closed due to a lack of response. 

Citi Card Dispute department does not communicate via phone, unless you are requesting to withdraw your dispute. Additionally, the two additional items XXXX XXXX asked for, she already had. She requested a copy of the sales receipt, which the merchant supplied and again, a signed document with my reasoning for why I think the washer/dryer is defective. The dispute department already had that information, but I continued to oblige. 

Yet, without consultation, my dispute was closed. I have asked for a supervisor to contact me and re-open my dispute, but have heard nothing. This is really absurd since I did reply, and what they said I didn't supply, they already have had for months. Citi Credit Card dispute department has been working on this dispute since mid-XXXX!!!
I went to the bank and had a wire transfer for {$6000.00} on XXXX/XXXX/XXXX at XXXX as processed. Coinbase INC promised if funds were transferred before XXXX funds would be available within 1 business day. We are now on the XXXX of XXXX. My bank accounts reflects receipt of {$6000.00} and yet have not posted. I have tried everything under the sun in contacting Coinbase and yet no response. 
My contact # XXXX
Santander Consumer USA uses heavy-handed tactics that violates the Telephone Consumer Protection Act to get consumers to pay their loans. These tactics allegedly include making repeated and harassing calls to plaintiffs ' phones and also the high-interest loans and fees violates the Fair Debt Collection Practices Act.
Where to begin, stuff with Equinox just keeps getting worse. After pulling todays report, Equifax has broken the law so horribly I seriously pray the CFPB sues them. They have done the most nonsensical and illegal activity one can imagine and I am glad I have proof. 
They had received my ID Theft report, Police Report and all originals when my SSN was first stolen and misused in XX/XX/XXXX. They hesitated but none the less blocked XXXX Fraud Student Loans, Inquires that I never applied for, and other accounts. Ironically a XX/XX/XXXX closed XX/XX/XXXX XXXX XXXX XXXX account that was Paid on time and in good standing they deleted purposely as the facts and reports i attach will prove. None the less the reports are so filled with inconsistencies like fraudulent addresses, accounts, and timelines that make absolutely no sense. They EVEN REMOVED MY FREEZE THAT I AM ENTITLED TO UNDER STATE LAW. ONCE A CONSUMER SENDS A COPY OF HIS OR HER ID THEFT REPORT AND POLICE REPORT IT IS REQUIRED THEY DO SO. Now I have a plethora of reinserted ( and never told why or how they came to that idiotic position ) accounts, inquires, and as a form of retribution XXXX positive never disputed old but not beyond the SOL accounts DELETED. Please look closely at the evidence I upload, and the corresponding dates, you will quickly see NONE OF IT MAKES SENSE NOR ADDS UP. EQUIFAX IS IN CLEAR VIOLATION OF FACTA AND FEDERAL LAW.
I currently have 36 inquiries reporting on my credit report on Equifax that are without a firm line of credit. I have circle all 36 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 36 inquiries should not be reporting on my Credit Report.
Navient hired Financial Asset Management Systems ( " FAMS '' ) to collect on a student loan. I called FAMS on XXXX XXXX, 2016, to offer a settlement agreement on the debt of {$430.00} per month beginning on XXXX XXXX, 2016, for 24 months for a total settlement on the loans of {$10000.00}. XXXX had previously offered a settlement of $ XXXX FAMS agent stated that they could n't help me for some reason. They said they could n't pull up my account and that they could n't help me, even though I 've been making payments for th past 14 months to FAMS of {$250.00} per month. I recorded the phone call of the agent stating that they could n't help me. I have no idea why FAMS could n't help me because they have been taking my payments for the past 14 months. I called to offer the settlement, but unfortunately FAMS was playing hardball, and the agent was misrepresenting that they could n't help which is a flagrant violation of the Fair Debt Collections Practices Act.
On my report is XXXX XXXX ... which is not my account. Never solicited them.
I HAVE HAD AN ACCOUNT WITH DISCOVER CARD SINCE 2011. I HAVE PAID THEM AS AGREED MONTHLY EVER SINCE. HOWEVER, NOW THEY HAVE DECIDED THAT THEY WILL NOT GRANT ME CREDIT ANY LONGER? I HAVE NOW AN AVAILABLE CREDIT LIMIT OF SOME {$1500.00}. THEY REFUSE TO ALLOW ME TO USE THIS ACCOUNT? I AM VERY ANGRY ABOUT THIS TO SAY THE LEAST!
When XXXX XXXX XXXX sold our loan to XXXX XXXX XXXX balance was XXXX they added 2nd mortgage of XXXX long as we made are payments on time for 3 years, They would defer XXXX off of principle balance XXXX Resulting in balance of XXXX. We made our payments on time. Document page 3 will explain it, I will fax page 3 to you!
I have tried to get my credit reports so that I can keep all information up to date, and have already reached out to all 3 major companies and have called and just get the runaround from all 3 credit reporting agencies. I have called multiple times during the last 14 days and no one can give me any information on how I can dispute the information on my profile. 
I have received notifications telling me that my SSN and name have been taken and have tried to get things challenged and have been told I ca n't do that by a woman named XXXX from XXXX. XXXX from XXXX has told me the same thing and XXXX XXXX from XXXX said even if I sent them information to identify myself they would do nothing but keep my information for their own enjoyment.
Wells Fargo is calling sometimes up to XXXX times a day. And they start calling within my grace period. Any time I am more than two days late on a payment they will call repeatedly throughout the day. I have asked them to stop calling me so much. They say they will note the account. They do not. When they call and I ignore the call, it is rare that I even get a voicemail. I have received XXXX and they have called me over XXXX times in the last 6 days. It 's plain outright ridiculous.
On XXXX/XXXX/2017 around XXXX I begin to receive text alerts from my Bank Union Bank also known as MUFG Union Bank stating there was unusual activity on my account. They verified me and confirmed my ATM card was in my presence. While speaking with them and going over transactions, the fraud agent proceeds to tell me I would not be able to file a claim on the transactions until they process and come out of my account. 

I have a Checking and Savings account, the savings account also acts as the overdraft protection component to my checking, not only did they pay the transactions, the went into my savings account depleted it. Upon my multiple calls to follow their horrible policy, I 'm told I would have to return the money to my savings account ( are they serious ) I made to wait until XXXX/XXXX/17 to have the money returned, well here we are at XXXX/XXXX/17 only a small portion of money was returned, not a dime of my savings nor have the overdraft fees been restored. I need help to make them accountable for their horrible actions towards their customers and I need all my money returned unto me, every red cent. This Bank has stolen money from me with no accountability for me the consumer.
I may have been compromised due to the equifax hack. I am taking steps to prevent harm towards my account and credit.
I talk to XXXX man and transfer me me another guy .the other they transfer me to was rude and yelling at me treating me that there taking legal action. I stated how do I know this could be a scam and I look up the phone number and people stated something things about them. He started getting loud and saying then just wait and see what happens and that this was my fault you should pay your bills.then he called my sister and then my father twice and harassing them on the phone. He never stated where he was from and what company. It 's stressing me out and I am having sleepless nights BC they keep calling. 
They asking for my personal from family also.
We applied for a mortgage from Mortgage Master. The agent was XXXX XXXX XXXX XXXXXXXXXXXX XXXX The agent offered repeated verbal assurance that everything was in order. The day of the closing he said that his company was no longer interested in offering us a mortgage at that rate. We could not walk away from the purchase without a significant loss, as he was very aware while he had continued to assure us that a mortgage would come through. 

What we did was pay for the purchase with our own funds. I believe that the fact that we are careful savers proves that we are a good risk, and that there is no conceivable business reason to deny us the loan after we had fulfilled all the company 's requirements. My guess is that Mortgage Master thought that by putting us in a tight spot they would force us into a deal which was unfavorable to us, and did not reckon that we would simply walk away. 

Perhaps also there was bad faith with my wife 's woman-owned business. Some comments that the agent made arose my suspicion. There is no way we can prove that looking at our case alone, but a statistical analysis might establish a pattern of discrimination if it exists.
My student loans are serviced by Navient. Over the last two decades, XXXX XXXX and Navient have failed to properly credit my account, have failed to place my loans in deferment and/or forbearance status. I am currently supposed to be in an interest only plan, which was explained to me that I would pay interest only until the age of XXXX ( I am currently XXXX ) and then the balance would be forgiven. ( I would pay tax on the forgiven amount ). My student loans exceed {$150000.00} because of the interest that has been improperly capitalized over the years, because payments have not been properly applied, etc. Now, they are telling me I am not in the interest only plan and that I am in another plan, paying nearly {$900.00} per month. This is not what I agreed to. I should be paying {$600.00} per month, as I had for over 5 years. Now they are saying I owe all kinds of back payments, etc. I have repeatedly disputed their claims. I have been unable to get a mortgage because of the false claims from the student loans company. I have XXXX kids to support.
Went into my local Chase Bank and handed the teller a XXXX $ XXXX bill and got back XXXX $ cash and XXXX $ in quarters. In the roll of quarters was a XXXX Yen piece worth about XXXX cents. 

Called customer service and they said my complaint was noted but I needed to resolve the issue with the local branch. If a person was scamming me or others by using a foreign currency I felt they were not concerned.
I have been advised to pay a high amount of loan payments per month that I ca n't possibly afford. I have also taken several forbearance.
I lost my credit card back in XXXX XXXX, 2015 and now there is a balance of $ XXXX and I would like to file dispute and cleaned up all the charges not belong to me.