WillisBack/dataset-financial-user-claim huggingface dataset:
Dear, XXXX hospital, debt collector and credit agencies ruin my credit record/financial record. I had a deductible health insurance in 2XX/XX/XXXX. We have XXXX kids and their primary doctors were from XXXX hospital. We never had issues in 9 years with them, all bill were paid and no obligatory record yet. In XX/XX/XXXX, we had couple emergency visits in XXXX XXXX Hospital and a few doctors follow up in XXXX. I had a total of {$2600.00} deductible/year. Out of that I paid {$1300.00} for my portion and {$1300.00} left in total for family. My son was recommended some therapies in XXXX hospital. The XXXX XXXX hospital used wrong medical code for billing and sent me tons of bills. I had contacted XXXX in their billing department several times and other later on. None of their people helped me. Then I reached to my insurance facilitator XXXX XXXX and that was finally resolved. Later on the primary health care unit of XXXX acquired by XXXX XXXX hospital. Then our nightmare starts. Newer management start to send several bills without processing through insurance company. I called several times but never worked to my case. I made some payments worrying about bad. At the end of XX/XX/XXXX, I got mails and calls from another fraudulent debt collector American Adjustment Bureau,  XXXX, CT to collect a {$750.00} & {$120.00} bills. I told them, the insurance records shows that amounts were paid out and asked them to find the reality and send me the final bill if I still owe. They did not do that. At the same time, I reached XXXX XXXX, a broker agency to XXXX who have similar unprofessional XXXX. They changed words and fake report several times. All these agencies put me in trouble and I did not know what was going on. At the begin of XX/XX/XXXX, the debt collector reported my debt to credit bureaus. Then, I called debt collector, hospital and XXXX XXXX why they did that. The XXXX XXXX told me they paid bill in my daughter instead of my sons account. I already cleared my daughter bills but, the XXXX hospital, CT took money from me and insurance. The Connecticut XXXX Hospital overpaid {$340.00} for XX/XX/XXXXand still tried to collect from me. I paid out the due in my son 's account per their final work. The hospital assured me to send the overpaid money back and correct the credit report. Both things never happen yet. I filed complain in Better Business Bureau, The XXXX & XXXX both show the records deleted from record however, my credit score is veered off and collection record is still there. I never got the money from the XXXX hospital that I overpaid, the XXXX hospital still trying to still me and the hospital along with American Adjustment Bureau ( debt collector ) destroys my credit record. It is a big fraud. I am a hardworking of XXXX little children and this fraud destroys family.
I have attempted for several months to obtain validation of a debt reported on my credit report by XXXX XXXX  XXXX, including several certified mail validation requests, disputes to the credit reporting agencies, and utilizing a credit dispute company. In reference to account number XXXX in the amount of {$4100.00}, my complaint is two-fold. First, XXXX XXXX XXXX has failed to, after numerous requests, provide adequate debt validation, including my signature on any documents pertaining to this debt. Secondly, XXXX XXXX XXXX is not legally authorized to collect debt in the state of Georgia. Therefore, I am requesting both proof of this debt belonging to me, including documents that contain my written signature, and also physical proof that XXXX XXXX XXXX is legally authorized to pursue and collect debt in the state of Georgia.
I have used the card and paid it off multiple times and the company refuses to give me a respectable increase in limit. I was told that when i opened the account i could easily double my limit within 6 months which has not happened
this is fraud! someone has requested information on XX/XX/2015 and XX/XX/2015 in my name and I did not authorize it.
WELLS FARGO ORDERED APPRAISALS FOR OUR MORTGAGE ON OUR BUSINESS PROPERTY WITHOUT OUR KNOWLEDGE AND WE DID NOT RECEIVE COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY AND ASKED FOR A PAYOFF. WELLS INCLUDED " APPRAISAL FEES '' FOR {$5300.00}. WHEN WE QUESTIONED THESE FEES THEY RESEARCHED THEIR FILES AND FOUND OUT WE HAD PAID {$2000.00} OF THESE FEES. WE WERE GIVEN A CREDIT FOR {$2000.00} AND WE WERE TO RECEIVE {$3300.00}. BUT XXXX CHANGED THE INTEREST THROUGH AMOUNT FOR THE SAME DAY X/XX/2017 FROM {$480.00} TO {$480.00}. WE WERE REFUNED A CHECK FOR $ {$3300.00}. PER OUR CONTRACT WITH WELLS AND THE EQUAL CREDIT OPPORTUNITY ACT-REGULATION B, WE WERE NOT GIVEN COPIES OF THESE APPRAISALS UNTIL WE SOLD THE PROPERTY IN 2017, WHICH WAS YEARS LATER. PER THE DODD-FRANK ACT THE APPRAISALS FOR OUR PROPERTY WHICH WAS IN A HIGH RISK LOAN ACCOUNT DID NOT INCLUDE A VISIT OF THE INEREIOR OF THE DWELLING.
On XX/XX/2018 a dispute letter was received by Rushmore Loan Management Services in regards to the reporting on my credit reports. I had ask for evidence of there authorization under 15 USC 1692 ( e ) and 15 1692 ( f ) also authorization of law for there collection information also evidence of there authorization to do business or operate in the state of Florida also proof of the  debit that they say I owe with my signature and lastly proof of a complete history including any charges added for collection activity that arrived to the balance that I owe. I received A response on XX/XX/2018. Under the Fair Credit Act, you must respond by 30 calendar days.I then responded to there response that they receive on XX/XX/2018 and got a response onXX/XX/2018, which they stated they have 30 business day to respond which is incorrect by the Fair Credit Act. They must follow and abide all rules on the Fair Credit Act and must remove the debit because they did not respond in a timely manner.
XXXX received my payment of {$1400.00} on XX/XX/2018. XXXX   has investigated and has updated my credit report and credit score. 

XXXX and Equifax has not been updated by XXXX. Disputes were submitted, but results aren't complete. XXXX is refusing to report my payment to the credit bureaus.
I have asked numerous times for this company to show proof that this is my debt and still have yet to receive it.     I have never been to the location listed. Until they can show the originally paperwork with my signature or ID or anything they need to remove it from my credit as it is causing me issues and it is not mine. I am so tired of asking and disputing for them to prove this before just throwing it on my credit.
My complaint involves an apparent policy of US Bank, XXXX XXXX in XXXX XXXX NV. I was told it is a corporate directive. 
I've had a XXXX XXXX box there for a few years and was recently informed my contract for the box was out of date. On XX/XX/2018, I went in and completed and signed a new contract with XXXX XXXX XXXX. But when I requested a copy for my records I was told the contract is an internal document and I could not have a copy. 
I appealed to Manager XXXX XXXX XXXX who again said I could not have a copy and if I insisted that they destroy their copy she would cancel my box and give me the contents. 
I pointed out that it was absurd to have a contract where only one party has a copy. This seems to be not only a poor customer service policy, but also possibly an illegal unfair business practice. 
I request that you investigate the situation and aid me in obtaining a copy of my contract.
Why is still open on my credit report? and the balance is zero. THIS IS FIRST ONE The finance report on XX/XX/2010. I have the health plan from our school. It is cover this bill. 
I also payed this about 5 fives years ago. It also send me the refund on this one. THIS IS SECOND REASON. LET ME LOSS XXXX POINT ON THIS
I was charged a {$10.00} late payment fee by a merchant for a late payment delivered by Wells Fargo 's online bill pay service. Wells Fargo says the fee is my responsibility. Yet the Bank controls the entire process : The Bank chooses how and when to deliver payments. The Bank controls the online bill pay screen that shows how long it takes them to deliver a payment. The bank failed to realize there was a Banking XXXX when means no mail delivery.
I recently received notice from XXXX of my creditors that their systems had been breached and my information may have been compromised. I attempted to utilize Equifax 's website to put a 90 day fraud alert on my credit file. I was easily able to do this XXXX without any issues. Equifax is demanding that I send them XXXX and all sorts of documentation of identity. This does n't make any sense. Why would they make it more challenging for me to protect myself from fraud? I just closed on a house a few weeks ago. I have none of the documents they want. I insist that they put a 90 day fraud alert on my credit report at once so that I can protect myself from identity theft.
In XX/XX/2018, I took an XXXX trip from XXXX XXXX XXXX to my home, and was charged {$130.00} instead of {$58.00}. The {$130.00} XXXX charge did not appear on my Bank of America credit card bill until 42 days later ; and it should have been only {$58.00}. The SAME DISTANCE, reverse trip, which occurred 1 week earlier, cost {$58.00} ; so there is no way that this trip should cost {$130.00}. I disputed the excess ( {$74.00} ) with Bank of America, and they resolved it by offering a courtesy credit of {$37.00}. Therefore, this dispute concerns the amount of {$37.00}, for which I should not have to pay Regards, XXXX
My residence is in XXXX, an approved country for CoinBase users. 

I have been a CoinBase user since mid-XXXX, always satisfied with the service, transacting mostly between LTC, BTC and EUR as an amateur trader. I verified my account with passport, bank account in my name for XXXX transfers, and provided proof of residence. 

Over XXXX XXXX I visited XXXX, where I tried to access the website, not aware this was against CB 's terms of service. As a result, my account was locked and I was asked to provide extra materials to confirm my residency was not in XXXX. I complied, providing copy of passports, proof of residence with bank statements, even including a confirmation of my hotel in XXXX. 

It has been almost over 2 months since I've had access to my account and funds. I have since been in touch with their customer service reps, who were very friendly and escalated my case 'to the highest priority level ', but nothing has happened to resolve the issue. All I get is automated responses via email. 

I have in excess of USD XXXX, - in my account and want to regain access to my funds. CoinBase is not responding to my efforts to resolve the issue, I've offered all the documentation they asked for and more, and I've been emailing and calling. My account is still restricted and there is no outlook for any resolution. All I can do is call, get the same response, and I'm discouraged from making new tickets to call attention to my funds being held hostage.
I called them To settled to pay a lower amount with the collection agency & they agreed to remove & mark my account paid in full. They lied its still shown on my credit reports in collections
I received a call on my cell from a phony debt collector about a XXXX XXXX account that I closed back in XX/XX/XXXX. At first he wouldn't tell me who the creditor was that was attempting to collect the debt. Then he finally told me it was XXXX XXXX which is impossible because I called them and confirmed that no debt was owed or sold to a collection agency. I was also told by XXXX XXXX that a debt from XX/XX/XXXX would no longer be collectable. He had an old address of mine and tried to use it to show that they " had my information on file. '' He kept pushing me to give him my current address but I refused. 

The call was received at XXXX on my cell from phone # XXXX. When I looked up the number on XXXX there are multiple reports of this being a scam number.
In   XXXX   XXXX     while trying to refinance my home, i found a lots of credit inquires i did not initiate, including a   XXXX   XXXX   CC i did not apply for. I Filed with   XXXX   XXXX   XXXX   and completed the process ultimately freezing my credit. I had multiply accounts removed from my credit and thought i was done. One of the accounts removed from my credit by  XXXX  was from  XXXX  funding who i assume once it was removed from my credit sold it to  XXXX   XXXX  bank. i then disputed the information again with  XXXX   XXXX  bank and received no response from them. And now a new company called Resurgent capital Services is try to take over the already deleted debt, sending me threatening letters and providing vague information in letters saying it is the information i requested. I specifically requested information regarding the bank account information they supposedly sent the funds to, because i received no such funds, in addition i have never lived at the address they have listed in association with my name. I have filed police reports and they are included in these reports. I am requesting the CFPB take action against this company because now they are sending letters stating i have not provided enough information to " support your claim '' of fraudulent charges. i am very concerned because now they are sending forms to fill out requesting all of my information ( id. drivers lic number address, SS number, past addresses, DOB, Police reports, ETC. ) which given the lack of information they seem to posses now feels like even more of an infringement of my privacy. Please advise. Thank You.
I should not owe anything and if I was ever notified right after this occurred I would have disputed it also I would also like to see the signed authorization
Earlier complaint filed # XXXX I've written to you about the selling of my personal and credit information to XXXX XXXX XXXX  by Experian. 

My complaint was forward to the Office of the Comptroller of the Currency. I have received a respond from XXXX XXXX and the Office of theComptroller of the Currency. 

Although Im happy with the respond, Id like to continue to bring to your attention that as mentioned from XXXX XXXX XXXX ( Letter attached ) Based on limited pre-screened information obtained from the major CONSUMER REPORTING AGENCIES. 

Its evident that my personal and Credit Information was sold / obtained from Experian. 

As mentioned in the letter also ( Letter Attached ) Our Records indicate that as of the date of this letter, we have not received a formal request for credit in your name. 

I never applied for a XXXX XXXX XXXX XXXX, with this institute and never signed consent for EXPERIAN '' TO APPLY for Credit EITHER / or Sell my information / or submit my information As mentioned in earlier complains the Credit reporting agencies Continue to sell and provide my personal information to THIER 3rd parties marketer and profit on my Personal and Financial information that should be private. Or given with my consent and I haven't given any consent. 

I have included ( see Attached ) the Document from the Police Dept. By continuing to  sell my information only enables further Thief on my XXXX. 

Also, any additional information about this thief can be confirmed by XXXX XXXX @ XXXX Reference # XXXX # XXXX # XXXX # XXXX At this time, Since it is EVIDENT that I have been a victim of a Crime and thief on my credit reports Im asking the Fair Credit Reporting Act, to enforce my rights and to assist me in not only applying a 90 day Fraud alert on my credit reports but to apply a EXTENDED ALERT for 7 years on my reports. 

I have included police reports already to all credit agencies and to the Consumer Financial Protection Bureau. And have added the attachments again with this email. 

Id like to have my reports FROZEN, from any inquiries other then the creditors already listed. I have no plans in applying for additional credit, and have lived at my address over 3 years so utilities arent needed. 

Im confident that this matter will soon be resolved. And look forward to your respond. 

XXXX XXXX
On XX/XX/XXXX, my home was approved for a short sale; the sale was completed on XX/XX/XXXX. In XX/XX/XXXX, my credit rating dropped over 100 points because my credit report showed that I had missed two mortgage payments- this, long after the short sale had been completed.I spoke with Bank of America, who said they couldn't correct the error because I was no longer a customer.I filed a complaint with the cfpb and and XX/XX/XXXX was sent a letter from Bank of America stating that they had resolved my issue. The issue has not been resolved because I'm still seeing the negative item on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. 
I do n't believe its mine either.
To whom it may concern, Portfolio Recovery Associates reported 2 accounts to the credit bureaus and has been contacting me about two debts they say I owe them. I have never done business with them and I do not owe them any money : no credit has been extended nor any services ever rendered to me from this company. One debt is showing on my credit report as {$880.00} and the other is {$730.00}. 
I sent a letter to them to verify that I owe them money on this account according to the FDCPA and they could not verify through any signed contract or document between XXXX  and I proving that Im responsible for the debt on this account. I informed them that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from Portfolio Recovery or any company that they represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entries. I am requesting just this or I will be forced to take legal action against Portfolio Recovery Associates at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair  Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) I requested proof from them in writing which they received through certified mail on XX/XX/2018. I have attached my receipt from the certified document as well as a copy of the document itself and the response I received from Portfolio Recovery and Associates regarding these accounts on XX/XX/18 which included account statements bearing no signature and is no deemed acceptable to the FCRA & FDCPA as proof. 

Thank you for your time and attention on this important matter,
I used to have s secured credit card with Wells Fargo and this account was send to a collection agency without my knowledge and report as credit loss by the institution. So I request this account to be removed from all my credits bureau.
I called Wells Fargo Home Mortgage on XXXX, XXXX/XXXX/15, to give them my promise-to-pay on XXXX/XXXX/15 via my bank online bill-pay ( so that I have my own record of the payment ). Our payment for XXXX is due XXXX/XXXX/15 - XXXX/XXXX/15. I also told WF about mailing my escrow shortage payment. The customer service employee told me she would notate my account. 

On XXXX/XXXX/15, Wells Fargo Mortgage called my husband today regarding our account. WF wanted to set up auto-pay for XXXX 's payment, but my husband informed them I take care of the finances, and he told them we do not owe the XXXX payment. Wells Fargo tried a three-way phone call with me, but I was unavailable at that time and could not take their call. They preceded to tell my husband our mortgage payment was over 30 days late, and do we plan to vacate the premises. He told them no and he needed to talk to me to see what is going on. The customer service employee then tells my husband that our account is not over 30 days late. Whoops ... .My husband asked for a manager and talked to someone, but he was still upset about the phone conversation and the lack of research the employee completed before calling my husband. 

I called Wells Fargo Home Mortgage on XXXX/XXXX/15 to inquire about our account. 
I was informed that I called Wells Fargo on XXXX/XXXX/15, but the customer service employee did not notate my account as promised. Had that employee done their job correctly, my husband would not have received this phone call threatening our house.
Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. 


XXXX XXXX CR CO COLLECTION ACCOUNTORIGINAL CREDITOR : XXXX AFFILIATE INCOME INCACCT INFO DISPUTED MEETS FCRA UnknownLoanType Open TransUnion
I WAS CONTACTED BY THIS SAID COMPANY XXXX XXXX   AND THEY TOLD ME I COULD PAY A SMALL FEE AND TRAVEL BUT I DIDNT NEED TO PAY THEM ANY MONEY NOW JUST GIVE THEM A CARD # TO KEEP ON FILE TO LOCK IN MY DEAL. IT SOUNDED GOOD SO I AGREED TO GIVE HER MY DEBIT CARD # TO LOCK IN MY PRICE FOR XXXX BUT SHE PROMISED NOT TO TAKE ANY MONEY OUT OF MY ACCOUNT UNTIL I DECIDED IF I WANTED TO TRAVEL AND DOD BUSINESS WITH THEM. HOWEVER SHE TOOK THE MONEY OUT OF MY ACCOUNT ON XX/XX/17 AND I NEVER AUTHORIZED THIS ... I CONTACTED MY BANK XXXX XXXX TO LET THEM KNOW I NEVER AUTHORIZED THIS AND THEY DID NOTHING TO HELP ME. SO I AM NOW REPORTING THIS TO YOU .... PLEASE HELP ME GET MY MONEY BACK. I AM A SENIOR CITIZEN AND THIS IS ABUSE .... I LIVE ON A FIXED INCOME AND I CANT AFFORD TO THROW MONEY AWAY TO A FRAUD SCAM COMPANY ... PLEASE HELP ME GET MY MONEY BACK
I opened a credit account with  XXXX   XXXX   XXXX  ( Comenity Capital Bank ) that required payment in full by   XXXX   XXXX    2017 to avoid pa ying accrued interest charges.  <P/> I mail ed (  USPS  1st class ) fu ll payment on   XXXX   XXXX  , 2 017   . This payment was not posted to my account until   XXXX   XXXX   , 20  17, thus incurring {$290.00} in interest & fees. I have subsequently   received a bill for an additional {$7.00} in interest. Bringing the total to {$290.00}.  <P/> On   XXXX   XXXX   , 2017  , I s ent a letter disputing these charges to Comenity Capital Bank and have not received any type of response.  <P/> I strongly believe that I have been treated unfairly, as my payment in full was surely received by the due date ( and the inexplicable lag  on 28-days be tween mailing and payment posting dates ).  <P/> In hind sight, I would have send this payment with some sort of tracking, but even at age  XXXX , I still hold the belief that people and the businesses that they operate do the right thing.  <P/> Thank you for your attention to this matter.
I have received collection notices from this company regarding a medical debt and I believe the they are trying to collect a debt that I do not owe. 
I have contacted the original creditor and they do not have an account that is tied to either my name or my social security number. Also, on the validation document that I received from the creditor, the name is not spelled the same as mine, the address is to a place I 've never lived, and I have never been treated at the hospital in question or on the date of services listed on the account.