WillisBack/dataset-financial-user-claim huggingface dataset:
I have summited many letters and conference calls with my insurance XXXX XXXX employee and my insurance and I have submitted many letters indicating that they have till XXXX/XXXX/2016 to billed so they could paid. my insurance company paid a full amount of XXXX I received an correction and billed me again for {$15.00}. which i send the check already. but I serousley beleive that this need to be investigated a hospital so big and part of University XXXX have to use a XXXX do n't sound correct. 
pre approved for 6 days in XXXX Hospital and paid in full, I have many times gone to the Hospital to get my records and was told they lost them, my insurance provided me. 
I have contact all this collections agencies nut they are rude and unwilling to hear me. 
XXXX XXXX s also part of XXXX Hospital which I went there for and XXXX because was driving and XXXX and my insurance pays but they billed for an XXXX. I have send proof of XXXX charge but they have interns should n't be putting XXXX codes and now is been in my credit and can not seem to locate THE XXXX DOCTOR that forgot to place a # 1 on billing code for Emergency visit but they did bill and collected. 
Please investigate this is not making sense anyone can send you a bill and put you in collections, when my insuance paid 100 % my husband pays XXXX dollars a MONTH FOR PROVIDING US WITH THE BEST AND HE IS XXXX AND XXXX XXXX VET. WHICH HE IS NOT WORKING SO OUT INCOME HAS DROPPED FROM XXXX TO XXXX DOLLARS. 
WE ARE ALWAYS ON TOP OF OUR CREDIT AND I WAS IN THE IMPRESSION THAT MEDICAL SHOULDNT BE IN YOUR CREDIT. PLUS THEY ALREADY GOT PAID. THIS IS MAKING MY XXXX XXXX UP. HOW DO WE KNOW THIS IS A LEGITIMATE COMPANY.
I was approved for XXXX private loans between XX/XX/XXXX and XX/XX/XXXX. The loans totaled just under {$50000.00}. I now owe almost {$100000.00} on for them despite having made almost continual payments since my college graduation in XX/XX/XXXX. These loans were serviced first by XXXX XXXX and then by Navient from XX/XX/XXXX to XX/XX/XXXX, at which point I was able to consolidate them with a move reasonable company. During those 9 years, the loan servicers were incredibly unforgiving of any personal or financial hardship I experienced. During my mother 's illness and death I was unable to work as I was caring for my mother. XXXX XXXX was unable to put me on any sort of payment plan other than the full amount, which forced me to defer my loans which increased the total amount owed significantly. Following that, they were unwilling to enroll me in any possible payment plans, frequently telling me there were no plans available for my loans. The debt of these private loans has prohibited me from buying a home, traveling, and experiencing other typical life events, despite working XXXX-XXXX jobs at all times to pay them back. I currently pay more in student loan payments each month than I do in rent in XXXX. 

The most alarming part is that I should never have been given these loans in the first place. I had no established credit at the time. Now, as an adult, I do n't understand how I was even allowed to be given these loans. I make a lot more money and have significantly better credit now and can not receive a loan of that size. I understand that the CFPB is sueing Navient and cases such as mine have been included. Would my loans fall under this lawsuit as well?
I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.
I received a copy of my credit report and I notice I have an account that is too old and another account that needs to be updated. Please remove XXXX XXXX account XXXX ( 15 years ) and update XXXX XXXX balance XXXX ( that account was paid in full, balance is XXXX )
Equifax has failed to remove a state tax lien incorrectly reporting on my credit bureau after repeated phone calls and online disputes through their website. The item that is being reported in error is : XXXX County Recorder Docket or ID # XXXX, State Tax Lien. Per the rules set forth by the National Consumer Assistance Program, no lien may be reported on a consumer credit file unless it contains the following information : Complete Name, Address, Complete Social Security Number and/or Date of Birth.
I have attached the item for review and it clearly shows only a partial Social Security Number with the first 5 digits being redacted and therefore does not meet the minimum requirements to continue to appear on my credit report. XXXX and XXXX have removed this item from their bureaus and Equifax should do the same.
XXXX XXXX XXXX most likely sold my defaulted credit card to XXXX XXXX XXXX who have been harrassing me for way too many years. I appeared in Court and provided financial information to them to document that I did not have the resources to repay the debt. They call and call and send letter after letter. I went thru a difficult divorce and have still not recovered from that period of time. BUT this debt should not be still be reported on my credit report as the default occurred @ 7 years ago.
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said th at one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. Th e attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Hello, This complaint serves to identify several violations that I believe occurred between my self and XXXX XXXX ( original creditor ) and they 're assignee XXXX XXXX  XXXX XXXX On the XX/XX/XXXX and XX/XX/XXXX, call details below, my Father, XXXX XXXX XXXX received a call from a representative of XXXX XXXX XXXX. On both occasions, my father made it clear to the representative he was not the correct person, however the representative continued to press him on details, discussing my account unnecessarily with a family member. My name is XXXX XXXX XXXX, and on XX/XX/XXXX, approx XXXX, overheard my Father once again explaining to a representative that he was not the correct person and to please remove his number and info. It was at this point I took over the call and identified myself as the owner of the account. I then provided the representative my cell phone number and asked her please remove my Farther 's information immediately, and I 'm not sure how they obtained his number in the first place, I do n't recall using him as a reference or providing any info about him to XXXX XXXX to start service, the rep told me it could only be removed by waiting 24-36 hours for their system to update. Meaning, it was possible they could contact my Father again. At approximately XXXX XXXX XX/XX/XXXX, I contacted XXXX XXXX XXXX again, to provide additional contact info ask them why they where contacted my Father and how they got his number. I also asked them once again, after getting a supervisor on the line to delete my Father 's number immediately, which she did, contrary to what the last rep had said in a previous call. I tried to contact XXXX  XXXX XXXX again around noon the same day, only to find out that my account no longer existed on their systems, that never happened before. I made several attempts to reach them, with no success. I also contacted XXXX  XXXX on XX/XX/XXXX, same day, and explained the encounter I had with XXXX XXXX  XXXX, they were more concerned with obtaining payment for the debt they say I owe, than they were about the negligent collection practices their assignee 's were using. The representative also advised me that information regarding the debt they say I owe has already listed with the credit bureaus, they did not try to contact me prior to this happening to allow me an opportunity to dispute this debt. The negative information currently showing on my credit report, I 'm sure will have negative impact on me at some point in the future. Thank you for your time and attention to this matter.. Call Details : My Father received calls : 1. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. XX/XX/XXXX at XXXX XXXX from number XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I 've been a Bank of America customer since 1996 and the only reason why I 've continued to use their services is because the long standing credit history is good for my credit score. However, their incessant terrible customer service has finally compelled me to pay the card off in full and to drop the card ( as well as my banking account ) with this poor service institution despite the imminent drop in my credit score. Their interest rates are ridiculous and they are never amenable to lowering the rate, their customer service wait times consistently exceeds 45 mins and the last time I requested an interest rate reduction, the customer service contact was rude and falsely noted that my rate would not be reduced due to my credit history with the bank. I calmly asked the representative to elaborate and she could n't ( by the way -- I 've never had a late payment in my entire 20 year relationship with the bank and always pay beyond the minimum due ). I told the representative to please provide me with evidence of any history as it is a mistake and she kept deflecting the issue. ( By the way, I watch my credit like a hawk as a fico.com member and all three of my scores are around XXXX ). 

Furthermore, the bank service is terrible as well. In one instance, I was in the process of notarizing a document at a bank, provided my identification, signed the document, and the XXXX customer service rep accused me of forgery. I had my SS #, license and birth certificate in hand and finally, XXXX of the bankers ' superiors was able to assist me and apologized for his colleagues lack of professionalism. Consequently, I will move my $ XXXX/month automatic draft, checking and credit services to XXXX. 

I 've had many peers tell me about Bank of A 's notoriety and frankly, I will encourage all of my peers to never bank with such a terrible institution. There are much better alternatives available.
I 've been a Wells Fargo checking account holder since XX/XX/XXXX. Never 1 NSF overdraft, late payment, or negative notice on my account. Without notice or warning I learned today my account was put on hold for review on XX/XX/XXXX and will be closed effective on XX/XX/XXXX while I have no access to my funds Wells Fargo put a hold on my posted funds of over ( {$5000.00} ). This was all done with any explanation for the account closure. There is a rule in the law that basically says that when two parties are bound by a contract, and only one of the two has written the contract, then they MAY NOT interpret it to their own benefit outside the express written language of the contract. Wells Fargo has done just that, and they are now holding my funds. Please investigate. Attached is my XX/XX/XXXX to XX/XX/XXXX statement. Total account balance is {$5200.00} as of XX/XX/XXXX. 


Thank you, CF
I was interested in obtaining a XXXX XXXX XXXX  Debit Card offered by SunTrust bank. I read the information on their website here ( https : //www.suntrust.comXXXX  ) and was willing to pay the {$75.00} annual fee as I thought it was a good deal especially since one earns " XXXX  bonus miles after your first PIN Point of Sale or signature-based purchase. '' What is not apparent until much further down the page is that one must open a Signature Advantage Checking account to be issued the XXXX  card. This checking account has a minimum balance requirement of {$25000.00} or a monthly fee of {$25.00}. I was not aware of this stipulation until after opening an Essential Checking ( basic ) account and was then advised I would need to upgrade the account to obtain the card I wanted. I believe this practice falls under unfair and deceptive. I am more than willing to pay the annual fee for the card but can not afford to deposit $ XXXX or pay $ XXXX  monthly in addition to the {$75.00} annual card fee. This is excessive.
My nephew attended XXXX XXXX XXXX for 4 years and 1 XXXX year. He intended to become a XXXX  but died at age XXXX. It has been almost a year since he has been gone. I am his aunt with POA for his father ( my brother ). In the last year of school my brother co-signed a private loan.to help with tuition. At this point my nephew owed approximately {$36000.00} to Navient. Since the loan money went to Navient directly, my brother did not understand what he had just signed. When my nephew died XXXX of the XXXX student loans ( XXXX XXXX {$77000.00} in XXXX loans and Navient {$15000.00} in XXXX loan ) were forgiven.. The private loan {$15000.00} was not. I became aware of the problem this last year ( 2016 ) and contacted Navient to find out what had happened. I got a different manager every time I called. I talked to the Navient office of Customer Advocate for Navient. To buy some time I bought several months of forbearance to keep the account out of default while I tried to reason with Navient.. I called XXXX XXXX XXXX Finance department and found they considered the remaining debt as standard of practice should also be forgiven. I tried throgh my US Senator to contact the Federal Student Aid but found the CFPB was the correct department. I did not make any progress toward making a resolution. other than to " just pay up ''.
I have filed a validation dispute with XXXX, Equifax and XXXX regarding Bankruptcies that are listed on my credit report. After filing a validation dispute requesting proof that this debt belonged to me, I received a letter in the mail stating that this debt was confirmed and is said to be my debt. I then contacted the Bankruptcy courts who then advised that they do NOT confirm any debts with the credit bureaus. I would like to know exactly who or how they verify debts for any individual, without proper documentations. I also requested a second validation and was told that I would need to provide additional proof to validate any information on my credit report. I would like this information removed from my credit report because the Bankruptcies were never verified and the credit bureaus are lying to the consumers.
XXXX BANK through its XXXX XXXX XXXX program allowed someone to fraudulently and falsely take out a {$17000.00} credit line at 26.9 % interest in my name and gave them a {$4100.00} advance without proper risk controls or account verification. XXXX never mailed anything to my home address of over 20 years or same for phone number. 
A month later they send letter saying I owe it. They have unknown phone and email for me and then put the responsibility to clear it on me, the victim of theft by XXXX Bank. They alone have knowledge and contact with thief but file no police report and refuse to provide credit monitoring for their inexcusable lapses.
The automated dialer calls my phone several times through out the day. Every day. Even though I have payment arrangements with the local branch. I have asked for this to stop and it has not.
I am aware that i am 5 days laye on a payment, but woth conns home plus if you are even 1 day late they will call you grom multiple numbers up to around 16 times between the hours of XXXX -XXXX even after talkinh with me and when i tell them ive already spoken sith someone that same day they usually become very rude with me
SUMMARY : 1 ) XXXX XXXX XXXX XXXX continues to ignore and report accurate reporting on my credit files at XXXX, Equifax and XXXX. Over 45 days have passed since they have received the insurance check and the balance was mostly paid off. 

2 ) XXXX XXXX XXXX XXXX Refuses to acknowledge there was a payment arrangement made in XX/XX/XXXX causing them to refuse to acknowledge this information to a gap lender, who said they reopen the investigation from the crash and potentially pay off the gap or {$900.00} and some dollars needed. 

CAUSES : 1 ) in early XX/XX/XXXX, a payment arrangement was made with XXXX to catch up the missed payments 2 ) on XX/XX/XXXX, the vehicle was in an accident and was totalled 3 )  XX/XX/XXXX, XXXX XXXX pays XXXX over {$16000.00} towards the {$17000.00} balance. 
4 ) In later XX/XX/XXXX, the Gap insurance company closes the file with no payment a ) I called to argue with them and was told I could get a partial refund on the premiums b ) I was informed they closed the case because XXXX informed them there was no arrangements made on the late payments. ( AUDIO RECORDINGS EXIST. I was also informed that if XXXX would acknowledge to the GAP insurance company that an arrangement was made, they would reopen the file and potentially pay the " GAP '' 5 ) XXXX  total loss department was called again and XXXX argued that no such arrangement was made and he refused to look into it. 
6 ) XXXX  total loss department call involves XXXX. She acknowledge that a call was placed in early XX/XX/XXXX with the collections department, but couldn't confirm what the conversation was about. 
7 ) XXXX more conversations were held with XXXX about the Credit reflecting that the balance reporting still shows $ XXXX+. I demanded to have XXXX properly update the information on several occasions 8 ) More calls were placed to other department to XXXX XXXX XXXX XXXX about them inaccurately reporting on my credit files. Was told there was nothing they could do about it. 
9 ) XX/XX/XXXX, the credit files are still in violation of US code 15, 1681 and are being inaccurately reported, despite the fact XXXX received payment for the vehicle. 

Considering that XXXX XXXX has a history of lying, steeling and cheating people out of money, I wouldn't put it past them to treat my circumstance no differently ; whereas, they practice an operation that has shown to be illegal. I guess they think they are exempt from following the rules and the LAW. 

I want them to confirm with the GAP insurance company that an arrangement was made so that the balance can be paid in full, as well as to get their butts moving and fix my credit report immediately! ( 45 days have past and they still haven't followed the letter of the law ). 


CONTACT : XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX
This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.
I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
I found out today that my daughters bank account has a levy hold on it from Velocity collections according to them for a debt I owe ( my daughter is  XXXX  so I had to be on her account however it is all her paychecks and gift money from family ). According to them they have a court order for this however I was NEVER notified of any court case regarding this debt. The debt is also well ov er 4 year old which is past the statute of limitations in PA as far as I could see. They are trying to take my daughters hard earned money for a debt I do not believe they are legally able to collect in this way, or at all. I am. It sure what to do at this point.
I am repaying my loans with the XXXX Award and there is a text box for instructions on the My XXXX Repayment Request Form. I have made three payments so far and included my specific instructions on how to allocate my payment of {$850.00} to my loans. Keep in mind that I have already included interest as well. 
I log in and I see that my payments have been processed for the full amount but some of my loans still are outstanding. 
Instead of following my directions, Navient had distributed my payments on my loans incorrectly and improperly. 
Here is the amount that I instructed : XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Unsubsidized XXXX XXXX Direct Loan - Subsidized XXXX XXXX Direct Loan - Unsubsidized XXXX Here is how they allocated my most recent payment : XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$94.00} XXXX Direct Loan - Unsubsidized - {$89.00} XXXX Direct Loan - Unsubsidized - {$90.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$290.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized - {$79.00} XXXX Direct Loan - Unsubsidized - {$190.00} XXXX Direct Loan - Subsidized {$0.00} XXXX Direct Loan - Unsubsidized {$0.00} I expect Navient to resolve this by allocating the past payments correctly. I have a limited amount of XXXX Award and I CAN NOT disburse more due to Navient 's error.