WillisBack/dataset-financial-user-claim huggingface dataset:
I received a loan from XXXX XXXX XXXX in XXXX SC. I was paying my loan faithfully. I also had insurance on my loan. In XXXX of 2014 I had to have XXXX. I turned in all paperwork that was needed to cover the loan under the insurance program. I checked my credit a few months later and the lady at the office told me that it was going to report negatively since the insurance company takes a while to send them the checks and they cant report till the actually receive a check. 
That is not fair to me, the consumer. I followed all of the rules, turned in all paperwork on time and had my dr statemts when they were due. I am being charges additional fees due to the insurance company being late with payment.
I do not owe this debt. I have rechecked my dates that I was covered by my parents policy with XXXX and verified with the insurance company that I was actually covered from XXXX not as what I had presumed of XXXX. I came of my parents policy in XXXX XXXX. 

On turning the age of XXXX, it became my secondary policy with XXXX and my primary was with XXXX XXXX XXXX XXXX and part of my employment package in XXXX. 

All payments for health care services had been compensated for via insurance. I do not owe any medical balances, I even had additional coverage in my employment package. Please note this to my prior entry.
There are items on my credit that I know are not mine. I also can not get a copy of my credit report from the XXXX major credit report sites because of the items that are not mine on my credit they can not prove that I am myself. I am in the process of mailing copies of my information to prove my identity to them so that I can receive a copy of my report from them. I did find that my local bank had the wrong social security number in their system for a credit card I have with them and that has been rectified. So, I do not know if that was the problem with my credit or not because of the variance of my social on my credit. The only reason why I know there are items on my credit that are not mine is because I went to the bank that I have a auto loan through to refinance it and they pulled up my report and pointed out the problems to me there. What other ways can I get this resolved? If it really is identity fraud and I report it to the credit bureaus what happens next? Should I file a police report at my local department?
On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.
Last summer, XXXX XXXX XXXX XXXX decided to merge with Pentagon Federal Credit Union. Very little ( less than 3 days ) notice was given to members of a meeting that a vote was to take place. At the meeting, ballots were destroyed by staff at the end and the vote was obviously a foregone conclusion. Members were enticed to vote for the merge by a promise of a credit to their Share account ( which at the required {$5.00} amounted to less than a nickel ). The leadership of XXXX received extremely generous payouts for the merger ( hundreds of thousands of dollars ). Regardless, the merger went through. Pentagon went on to pay lower rates on some products ( i.e., they did not honor XXXX 's rates ), bought the most expensive piece of real estate in XXXX XXXX for new headquarters, and hired the top lobbyist with the XXXX XXXX XXXX and a former critic of the bank bailout as its government lobbyist ( both questionable hires and for considerable sums ). Last week our business received an email that PenFed would be closing all business accounts in XXXX. We have been members for over 20 years and this poses a business hardship.
This letter is being sent to you in response to a notice sent to me on XXXX-18 in response to a listing on my credit under XXXX XXXX XXXX XXXX " XXXX ''. Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( Equifax, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. 

This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. The investigation was shown as verified and there was no information sent to me at all, so how could it possibly be verified? No contracts or signed documents were sent to me at all. 

It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Best Regards, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I dispute on the attached copy of the report I received. 

These items from XXXX XXXX XXXX XXXX # XXXX shows late payments from XX/XX/XXXX has been inaccurately been reported to the credit bureau. When I last spoke to XXXX XXXX XXXX XXXX # XXXX as soon as XXXX of XXXX to be place in a Military Forbearance. XXXX XXXX XXXX XXXX # XXXX failed to complete the necessary documentation to complete this process, thus making the current credit report inaccurate and incomplete because. I am requesting that the item be removed to correct the information. 

Enclosed is an attachment supporting my position. Please reinvestigate these matters and correct the disputed item as soon as possible. 

Sincerely, XXXX XXXX XXXX
Mortgage servicer does not correctly advise POA actions. Forms are not properly prepared to include POA instructions as a result forms can be sent in XXXX to 4 times before it is in the correct format they need. XXXX is a very common status with this mortgage servicer. As a mortgage servicer they need to get their at together. They are number at inconveniencing their customers.
I had bank accounts with JPMorgan Chase since around XX/XX/XXXX, and Chase allowed fraudsters to link my checking and saving account to their XXXX accounts and charged my accounts total of {$4900.00} fraudulently. Chase is only willing to pay back {$1700.00} out of the {$4900.00}. Following are some facts : 1 ) My checking account number was XXXX and saving account was XXXX. 2 ) Fraudsters linked to my Chase checking account through XXXX since XX/XX/XXXX and charge {$3100.00} from my account until XX/XX/XXXX. 3 ) Fraudsters linked to my Chase saving account through XXXX since XX/XX/XXXX and charge {$1800.00} from my account until XX/XX/XXXX. 3 ) I found the frauds and notified Chase immediately on XX/XX/XXXX. 4 ) Chase never notified me by any means that my accounts were linked by XXXX and just silently let fraudsters to withdraw money from my accounts. 5 ) Chase didnt do the very basic verification of name matching when my accounts were linked to XXXX. 6 ) When I report frauds to Chase on XX/XX/XXXX. 8 charges of total amount of {$680.00} were in pending status. Chase didnt do anything after my report to stop these charges and just let them go through. 7 ) When I found the frauds, I was about to have an urgent trip oversea and explicitly asked Chase to put my accounts in limit mode so money cant be withdrawn, but do not close them so I can access statements online to help me to get my money back from XXXX. But Chase closed my accounts anyway during my trip without any notification and make it impossible to get statements other than visit their branch. This made my effort to get my money back more difficult. 8 ) Chase didnt do any extra protection to my saving account, which conflicts to what I was told when I open saving account.
I was repaying a student loan to Navient for about $ XXXX month when suddenly Navient extended my loan for ten years and lowered payments without my permission. Now it seems that despite asking Navient to remedy the changes they made without my permission, and despite paying the {$300.00} a month the loan has been extended beyond the 10 years. I was suppose to pay based on what I believed to be the terms of the loan. This loan company is criminal. I believe by changing the loan the company intended to collect more interest and has somehow managed to do that despite never getting my permission to change the loan.
This criminal firm ( find guilty in Superior court for defrauding and lying to their clients ) consider that is a harassment defending a property for which you do not have any obligation is consider harassment that what is consider there criminal illegal fraudulent and deceiving activity inside my property Terrorist act Crime against humanity what is consider?

I see those corrupted company claiming that there is duplicate or any other primitive claim but this is nothing else than a barbaric cover-up and a deceiving tactics that sooner or later will be expose. There must be a limit on how much a family is defrauded by criminal organization interested only in lying, defrauding, deceiving tactics and in particular all done in a criminal and illegal way in a top secret close door act which s the specially of XXXX in particular, XXXX, XXXX XXXX, and the two Law Firms XXXX  and Phelan Hallinan, The pettifogger lawyer representing those firms lie even to their own clients in order to defraud them too and triple charge then since those primitive and corrupted law firms consider themselves above law. This criminal activity of XXXX XXXX, Phelan must stop now. All Institutions receiving this letter I pray they understand my frustration with those criminal activities done against my property for which I do not have any financial obligation under any Mortgage Note. For this reason I will be as direct as possible with my words so DOJ, USA Inspector General, CFPB and the rest of Institutions receiving my Letter ( 287 Institutions ) will understand the criminal activity performed inside my house for which I do not have any mortgage or Financial obligation. The crime was done against my property only because my name is on the DEED as clearly stated by Law Firm Phelan Hallinan pettifogger lawyer. The lawyer in this Law Firm defraud and loot people property braking the oath they took of defending the laws of our Country. Is clear that the only oath they took was to loot peoples property in the most criminal way and in a top secret close door. If those are consider lawyer than the legal system is completely dead. The American spirit of owing a property in PA was completely destroyed by those criminals that for a portion if French fries they sell their mothers too. You work very hard or fight in wars to protect your country in order to see criminal lawyers defrauding you in a top secret close door act inhuman and criminal. I never believe that in XXXX in USA we meet so many, criminals lair that tries only to cheat, deceive, cover up fraud, abuses vandalism done to my property. A lawyer took the oath to defend the law of our Country
On XX/XX/XXXX and inXX/XX/XXXX I notified XXXX XXXX that the balance they were/are reporting for account is incorrect. XXXX XXXX  filed a XXXX notice with the IRS in XX/XX/XXXXdeclaring {$700.00} of that account was cancelled. As required by law, I declared that amount as income on my XX/XX/XXXXtax return. Therefore, the balance being reported should only be {$440.00}. Not the {$1100.00} that XXXX XXXX is reporting to the credit bureaus, and also being over credit limit.
<P/>
XXXX XXXX has refused to correct/
It appears on my credit report through ( rental credit and the XXXX, equifax.com and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XXXX. but they keep reporting this information
I filed for Bankruptcy on XX/XX/XXXX and Transunion is reporting an account late and charged off, since the bankruptcy and subsequent discharge on XX/XX/XXXX. I have disputed this information over and over with Transunion and they have failed to update the information accordingly. This account was NOT charged off prior to filing of bankruptcy and their should not be late payments reported once I have filed the bankruptcy. Furthermore, the status should reflect included in bankruptcy with a XXXX balance and no payment due. 

XXXX # XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Revolving AccountLoan Type : CREDIT CARDBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast Payment Made : XX/XX/XXXXXXXXh Balance : $ XXXXOriginal Charge-off : $ XXXXCredit Limit : $ XXXXPast Due : XXXX ; {$320.00} XXXX ; Pay Status : XXXX ; Charged Off XXXX ; Terms : Paid MonthlyDate Closed : XX/XX/XXXX XXXX ; Maximum Delinquency of 120 days in XX/XX/XXXX and in XX/XX/XXXX XXXX ;
I noticed information that did not belong to me on my credit report and reached out to this company to dispute that information. When the dispute was finished, however, the information was still on my credit history.
On XXXX XXXX XXXX attempted to contact Hunter Warfield Collections Asset Investigation via phone and I was threatened with legal action and various other actions and threats after I requested validation and verification of debt owed and also willing to pay if the account amount was correct. But when I left the apartment complex I did not owe anything and I feel as if I am being harassed and forced into repaying a debt that is not mine. The information was sent to the incorrect address and when I attempted to correct information agent XXXX XXXX was threatening and forcing actions on me. I do not owe feel this is a safe collections practices and it does violate FDCPA. Please assist me in correcting this unsavory tactics.
This company Diversified Consultants is trying to collect on a debt from XXXX XXXX that i do not owe and have numerous calls with XXXX XXXX over the past year and a half that this debt is not owed due to the fact that i replaced their tv service with XXXX XXXX and notified them when to cancel the service and XXXX  never did that. They kept on billing my account month after month for service that was no longer used. All equipment was returned to XXXX This balance is not owed by me, XXXX made the errors of charging me month after month and I am not responsible for their errors. I called Diversified on XX/XX/XXXX and told them the story and errors by XXXX XXXX twice already and since this is the 3rd collection agency that has tried to collect this money they were also made aware that I am not liable for this debt. XXXX XXXX made the errors they need to take care of this balance and delete off my name. if needed i will supply the company with the XXXX XXXX bill or bills that shows i had service with them at the dates XXXX claims i had service with them.
Hazard insurance was placed on my home in early XX/XX/XXXX. I had allowed my homeowners insurance to lapse, I take complete responsibility for this issue. 

I acquired my own homeowners insurance again effective XX/XX/XXXX. As Ditech is adamant about communicating with them via their website ( and I had a copy of my proof of insurance available in electronic format ), I uploaded a copy of it via the Homeowner Assistance > Upload Documents portion of their website on XX/XX/XXXX. That day I also submitted a message to them via their website indicating that insurance had been purchased and asking what else I needed to do to remove their lender placed coverage and square my account. 

No response was received to my message via the " Message '' portion of their website. However, while I was on hold with their customer service today I did receive a response to my personal email account indicating that in order to modify my insurance coverage I must either : 1.  MAIL a copy of the proof of insurance to Ditech or 2. FAX a copy of the proof of insurance documentation According to the first phone representative I spoke with " Insurance documentation must be mailed or faxed per regulations. '' ( seemed odd ) According to the second phone representative I spoke with " Insurance documentation must be imaged in a particular way per Ditech policy and these documents can not be accepted via our website. '' Although they can collect proof of income and tax information via their website...? 

Finally when I asked to speak to someone who could explain the absurdity of the insurance paperwork " policy '' and the 10 day response to my email I was informed of the following : 1. Because of the status of my account ( I am behind because of the exorbitantly priced hazard insurance ) I would not be allowed to speak to a customer service person because my account would be routed directly to a collections agent. 

2. No one was actually available to speak with me regarding my website concerns because " they were all in a meeting '' ( funny - every time I talk to a mortgage company all the supervisors are always in a meeting, together, in the late afternoon... ) I'll mail them a copy of my document. But this absurd insurance document handling policy seems incredibly galling for a company that is adamant about sending all statements and notifications to me via their website.... 

Thanks, XXXX XXXX
Wells Fargo had sent thru charges on today and back dated the charges. I had made a deposit into my business acct yesterday and later that day transferred most to my personal acct. this was on the XXXX. I went by my bank this morning and withdrew some of the funds and both the business and personal were in good standing this morning on the XXXX Sometime after I left the bank this morning after making a withdrawal, somehow Wells Fargo debited my acct and posted the debits for the XXXX which is the prior day and said I had bounced the acct. how can a bank on the XXXX during the day back date a charge and post to my acct the prior day and make the acct negative. The bank stated that it was the transfer of funds to my personal acct from the business is what bounced and I advised the bank rep that I did this transfer online and it will not allow me to transfer more money than is in my acct into another. It will only allow you to transfer the amount u have available when transfer online. This is the second time this has happened in the last 4 months. I have also had issue with Wells Fargo mailing me back an nsf check I ran thru the business acct from a customer. They refuse to provide or give me a negotiable copy of the check I deposited that they state is nsf so I can go back to my customer to obtain the money due to me the last several months that Wells Fargo has refused to send back that negotiable check that I gave them or a negotiable copy. The only thing Wells Fargo has been willing to do is make a xerox copy and give to me that is NOT negotiable. What use is a copy of a non negotiable check. As far as the issues today, they have stated the charges are correct and that I bounced the acct and not their problem. As a customer of the bank, I am very worried about what they are doing as this can not possibly be legal. If was then every bank could just randomly do the debits and back date to whenever to help with their bottom line and fees they would like.
On    XXXX  , I paid m y car payment bill through bank of America. They decided to process the payment twice. The payment was o n XX/XX/XXXX  a nd was for  XXXX  and then processed again on   X/X/2017     for  XXXX .  <P/><P/><P/> My wife and I are in the process of closing this account and are lowering the balance and monitoring it while she changes her direct deposit. O n   XXXX  ,  my wife and I verified this balance with each other before writing a check for cash at another institution. I have attached a screen shot used for this conversation we had by text verifyi ng one debit an d the remaining balance in the account. With this additional debit and another debit process the account will now be in a negative balance. In  XX/XX/XXXX  Bank of America made  a Bill paym ent for this car payment to the wrong account. Our credit card is through  XXXX  and car loan is through  XXXX  in  XX/XX/XXXX  they sent this to the wrong account though I put it in accurately on their   Bill Pay.
<P/>
At this point it is possible for my wife to be criminally charged with theft by check in Oklahoma.
<P/>
Bank of America may be retaliating for a series of complaints detailing their harassment of us for filing complaints.
I have been disputing with GLA Collections for several months to verify the debt they are claiming I owe on past XXXX XXXX. The dates of service are as follows : XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX XXXX : XXXX $ XXXX Since my first dispute, I have yet to receive any contracts or explanations of debt bearing my signature, certifying I owe this debt. I have since filed complaints with the police and FTC in conjunction with their unwillingness to cooperate. I demand that the derogatory items be removed from my credit reports with all XXXX bureaus, due to failure to comply with my ongoing requests.
Barclaycard Bank just closed XXXX of my credit cards for no reason. I had accumulated rewards with them through spending and now it 's all gone. Specifically, I had a Barclay Arrivals card where I was supposed to get travel rewards and a Choice Privileges card where I was supposed to get a XXXX bonus points on {$10000.00} annual spending per year.