WillisBack/dataset-financial-user-claim huggingface dataset:
In approx. XX/XX/XXXX I was in the XXXX hospital for a XXXX   XXXX XXXX XXXX. After one week I had to learn to walk again. Someone from XXXX XXXX   wanted to know if I needed or wanted a walker. I told them, only if Medicare & Medicaid would cover it. They came back several hours later & said it was covered. I went home & approx. 1 year later in XX/XX/XXXX I received a letter from XXXX XXXX XXXX. that I needed to pay {$120.00} for the walker. I called them & talked to the manager who told me that I am responsible for the debt. because she had reimbursed Medicare & medicaid for the amount because it was a work comp. claim. I told her it was not & she said " Yes it is ''. I told her it needs to be re-filed to Medicare & Medicaid but she said NO. I told her I will not pay it so she sent it to AAA collections. I sent a letter to AAA collections & XXXX XXXX XXXX. to cease & disist but AAA collections continues to call & send notices 4 years later. I have talked to several people at AAA but to no avail. I have told every person there that I talked to about this but got no where. Right before XXXX XX/XX/XXXX I spoke with someone that said they would try to resolve this because it has been so long but all they asked for was my credit card #, Bank statements, & Tax forms.
We ( My sister and I : Sister-On Deed/Not On Loan ) were given a payment arrangement, after the company ( Selene Finance ) stopped accepting our monthly payments. 

The POC ( XXXX XXXX-Point of Contact ) willfully made derogatory reports to my sisters credit bureau and stated that she was on the loan ; which she is not, so consequently she was not able to obtain a loan, which is why we are behind due to Selene 's derogatory reporting. 

This is the second attempt with a " Qualified Written Request '' to work with this company, which both times they did not properly respond. 

Selene Finance is liable for RESPA Violations, Fair Credit Reporting Act ( FCRA ) Violations, that have caused illness and stress to my sister ; which we've submitted doctor reports of them being liable for various damages and violations.
The XXXX XXXX XXXX XXXX XXXX fl XXXX has been in foreclosure off and on for 4 years The mortgages total over XXXX and the unit has been molded out due to banks failure to maintain it. There is XXXX in condo fees unpaid. The bank is paying the taxes. This is a miney loser for the banks so they are not going to finish the forclisure. They do not respond to inquiries. This is harmful to the neighbors - mold and the associations financial stability. 
We want the bank to cancel / void the mortgages and deed the property back to the association. They XXXX and the association wins. The owner left town. Can you help? 
XXXX XXXX. Board member of XXXX XXXX. 
The following banks are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I applied for a credit card at XXXX XXXX as of XX/XX/XXXX and was approved. ( purchase was for about {$980.00}, CC credit limit {$18000.00} I waited for many weeks but never received the Credit Card ( CC ) to this day XX/XX/XXXX I called/emailed XXXX XXXX many times that I did NOT get the CC but they told me " NOT their business ''!!! Than I got a Statement from XXXX XXXX/Bank of America Therefore, I called Bank of America several times to inform them that I did NOT get the CC : First day they told me they made a mistake and they did NOT send the CC but they demanded payment! 
Another day they told me they will NOT mail-send the CC anymore for an unknown reason and NOT disclosed reason and demanded payment, I informed them that I did NOT receive what I asked/applied for and since they made a mistake by not mailing me my CC that I am NOT paying if I do NOT get my CC!! 
I also informed them that I made many inquiries at XXXX XXXX looking for my CC. 

Next Bank of America started harassing me with their phone calls ( calling me via their machine about so far about 100 times ).
I was charged a late fee for my first late ever with the CITI CC company as I was on vacation for XXXX holiday. I immediately made my pmt after i returned and also never got notification to avoid late fee to make pmt soon.They were not willing to reverse nor work with me, but offer that they no longer reverse late fees for anyone because they need to make money.
XX/XX/XXXX I was told via written letter that after reviewing everything Navy federal still finds me liable for the balance. On XX/XX/XXXX I called to confirm their decision after I filed claim with CFPB and they said the letter sent out is correct and that is their decision. I want to know why is Navy being dishonest with CFPB by not notifying them that they are no longer working on the issue anymore since XX/XX/XXXX they made a final decision??? 

I have attached the letter they sent me with their final decision.
I have an American Express credit card to which I have authorized XXXX other persons to receive cards under my account. I pay the total amount due each month. The monthly statement comes to me, lists separately each user 's activity, and provides the grand total of same. However, the credit company reports to the credit bureaus, the grand total amount that is due on all XXXX cards for each card holder and not their individual net amount. I understand that the grand total is and should be reported to the credit bureau on my account. The other XXXX account users credit scores should not be influenced by any credit amounts other than those made on their individual card.
i am writing today because i have previously disputed this account referenced in this dispute not only have you not deleted this inaccurate account from my report but you didn't even mention in this consumer statement that this account was in dispute as you are supposed to. the law says that if a consumer disputes an account you have to write that this account is in dispute since you have not done so it leads me to believe that you have not conducted an investigation at all, why is it so difficult to get things done by you it feels like every time i send a dispute that it is a wast on the postage fees it feels like i am just sending a dispute and your computer sends me a letter that says verified without you guys doing anything. why is it so? why cant you do your job and conduct an investigation. plus you violated the law by not adding a statement that this account is in dispute.
On XX/XX/XXXX, we entered into an agreement for a loan modification that would be approved contingent upon making three consecutive monthly payments, signing an agreement and my account would be current after three months. We have successfully made 6 monthly payments ( see attached ) and have never received an agreement to sign. 

I was notified that our home has been scheduled for foreclosure sale because Ditech never received the signed documents. I am sure you will agree that it is impossible to sign a document that you never receive. 

On XX/XX/XXXX, I spoke with XXXX and he said there was no way to continue the modification. He indicated he would start the process again. I called later the same day and spoke with XXXX to ask for proof of delivery of the documents, assuming that such time sensitive documents would be sent with proof of shipment, delivery and signature required. He notified me that Ditech is not obligated to provide me with such information. He also told me that the conversation I had with XXXX was not true and XXXX would not have initiated a new modification. I asked him to patch me through to XXXX and he refused and said Ditech has no obligation to follow through with their agreement. I highly suggest that this phone call be reviewed.
I am rejecting this response because : I have a right to request the credit reporting agencies method of verification under FCRA, Section 609 a ( 2 ) You must disclose the source of this information to me. 
Also FCRA Section 611 paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states. " if requested by the consumer a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency including the business name and address of any furnisher of the information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.. In this case you said you spoke to your 3rd party vendor. I am requesting the following. 

If you can not supply me with this information in 15 days I want this incorrect information removed from my credit report or my next response will be to file a small claims lawsuit against your company to legally have it removed. 


( a ) The name of the 3rd party vendor ; ( b ) the person 's name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute.
Freedom mortgage increased our monthly mortgage payments by {$500.00} stating that we had a " shortage in the escrow account. '' They indicated that the school taxes, homeowners insurance, tax increases. We believe that they had us down for STAR exemption in NYS when it had not gone through back when we applied on XX/XX/2013. For the past three years Freedom Mortgage was paying our taxes based on a STAR exemption that we did not have and when they realized they raised our fixed rate mortgage by {$500.00}.
On XX/XX/XXXX I scheduled a payment to XXXX XXXX XXXX. The payment returned due to reasons beyond my control. I called XXXX to recover the payment via debit card in which they would not accept. A rep even advised me XXXX or Toyota Motor Credit were going to run my check again so therefore I did not have to schedule a payment to avoid having a duplicate payment. I called my bank to confirm XXXX only attempted the payment once and XXXX did. I assumed XXXX was going to run the payment again that day or the following day since I was told they were going to by a XXXX XXXX rep. I diligently called XXXX to get this payment recovered before the payment reversed in their system. I received conflicting information about their attempts and process. The information they provided was very misleading and deceptive which prevented me from recovering my payment in time to stop the reporting of the delinquency. I 've always made my payments on time including this one time. They allowed me to make a double payment the following day after they determined they were not going to make that attempt again. So now my credit is ruined because of their negligence and inconsistent information.
This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.
TransUnion placed an adverse account on my credit report from a company called, " XXXX XXXX '' with partial account number XXXX on XXXX XXXX, 2008. This account should have never become adverse because I turned in a forbearance form that should have prevent this loan from ever defaulting. Since this account is scheduled to be removed soon anyway, I would like it deleted from my credit report. It would save me and XXXX XXXX a great deal of trouble. If this account is not removed asap I will have to seek legal counsel to get it deleted.
On XXXX/XXXX/2015 I paid {$590.00} to Best Buy. Thinking the balance was paid the following month I discarded my statement. I began getting phone calls daily and when I answered a recorded voice came on that said its very important we talk to you please call Citi and a phone number that could not be made out. Not disclosing who the call was for or the matter we have ignored these calls for the past XXXX days. On XXXX XXXX I was able to make out the phone number and called it. The company identified itself as Best Buy and said my account was past due for a balance of XXXX cents and that the payment in XXXX was posted after the due date there for I now had a balance of XXXX. So for a XXXX cent balance I have now accrued XXXX in late charges. 
The company never engaged in a live person contacting me to discuss the remaining balance, they just had a robo dialer call my house, and the benefit is they are able to keep accruing fees. They are reporting my account past due on my credit report and accruing fees for a XXXX balance. 
Since it was my error of not paying the XXXX I have paid the initial late charge of XXXX and the XXXX balance, however they state they wo n't waive the remaining late charges. If this was a balance owed of a substantial amount they would have been sure to have a live person on the phone, but because this is fee income they will allow the balance to build. This is unfair and abusive!
Bank of America is reporting an account under my name and social security number that I never opened. This account was opened due to identity theft. I provided a police report during my dispute to them. I was never associated with Bank of America or any personal or business account being reported.
XXXX  Alumni of  XXXX   XXXX  seeking guidance on how to get help. Owing more than {$30000.00} in student loans themselves, plus an additional {$20000.00} in additional fees totals more than {$50000.00} in debt. I spoke with financial aid on multiple occasions trying to find other options to pay for school, was misled on every instance. I feel as though the financial aid that I received was pressured upon me with little to no information. I am now a parent, struggling to support my family in a field that is not related to my major what so ever, as I am unable to find a job with my degree from this school. I have tried to seek help with repayment programs, but every possible option leaves me unable to provide for my family as the payments are more than I could possibly afford, roughly {$320.00} a month. The IRS has taken my entire tax refund the past two years, adding up to over {$3000.00} applying them to my student loan which is in default. I am currently making monthly payments of {$5.00} to start my process, and have been for the past 6 months to try to be able to avoid the IRS taking my entire refund this year. This was unsuccessful and it seems as though I wont see a refund for a very long time. Please help, I have no idea where to turn and the institutions set in place to help me with repayment have not provided me with any other information, even when asked for, to help my situation. I paid {$930.00} in student loan interest in   XXXX  , alone, and do n't even get me started on my c redit score ... I need help ... fast.    Thank you for your time and for your efforts.
Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.
A credit repair company I hired disputed an account that should not have been disputed. The creditor placed a comment on my report stating consumer disputes this account on all of my credit reports. I have contacted the creditor several times stating that I do not dispute the account and the will not remove the comment. I have also tried going through the XXXX. The creditor still refuses to remove the dispute language - and I have stated several times in writing that I do not dispute this account. The dispute language is incorrect. I told a representative that I do not dispute - that the dispute was incorrectly filed by a credit repair company. The representative told me " too bad '' and that they will leave the language on my report.
There has been previous issues involving XXXX XXXX XXXX XXXX " Bill Pay '' and XXXX XXXX and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

XXXX tells me the collection dept made attempts to collect $ XXXX and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX since opening the line of credit.
I financed a brand new XXXX through XXXX XXXX. I paid my loan off in full and then called the finance company for a title. When I called the company, a representative said they did not have the title because XXXX XXXX did not send one to company. I asked why didn't they contact me about that issue long before I paid the loan off. The representative said it was not XXXX 's problem and that I needed to call the dealer that I bought the car from ( XXXX XXXX of XXXX, LA ). I paid title fees that was calculated into my final price and paid all of the money to XXXX. I need a title to this XXXX  and I have been getting the " run around '' for over a year. Between calling XXXX before they went completely out of business, to calling the DMV, XXXX, Louisiana commission and now this website. I just need my title that I paid for.
On XX/XX/ 2018, I initiated a wire transfer with my bank. The wire transfer authorized {$10000.00} to be transferred to XXXX XXXX to be deposited into my Coinbase account. The wire was completed that same day. However, its been several days later and the funds are still missing from Coinbase Account. Several attempts have since been made to contact the company via phone and email.
To whom it may concern : I have a collection account on my file from a collection agency named XXXX XXXX XXXX, the accounts are as follow, XXXX. Please be advised that I am disputing this collection due to the fact that XXXX XXXX XXXX XXXX XXXX. XXXX, Texas XXXX does not currently have a valid license in Texas to collect on debts. I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me with physical that XXXX XXXX XXXX are licensed in Texas. Your immediate response will be greatly appreciated.
My lease with Chrysler Capital was paid off on XXXX XXXX XXXX. They continue to display my account as past due. I have called several times to verify status and am told to wait a little longer. On XXXX XXXX XXXX at XXXX XXXX, I spoke with XXXX who advised there was a payment pending, she transferred me to XXXX, who at XXXX XXXX told me that my lease was coded as purchased and to be closed, that there were no monies due, and that it should close before XXXX XXXX XXXX. I called again on XXXX XXXX XXXX at XXXX XXXX and spoke to XXXX who advised me that the account is marked as {$0.00} and pending close, and that it *should not* report to any credit bureau as it should close out. At this point I have no faith that Chrysler Capital will keep their word. I do not want any blemish on my credit as result of their incompetency!
On XX/XX/XXXX at approximately XXXX XXXX Portfolio Recovery proceeded to make via contact skip trace to a phone number of relative. Instead of trying to locate me the informed the individual about my debt, the amount owed and a letter they sent out which I never received. My understanding is that my debt information can not be shared with anyone who is not associated with the account and/or granted permission by me. I have not given any one permission to receive information about this account. After they disclosed confidential information regarding my account they then told the relative that it was against the law to contact the original debtor which is not true. They continued to fall harass and threatened the relative until the relative ended the call.
XX/XX/XXXX, I was paying $ XXXX/month during my unemployment period on a credit card. I received a telephone call from a debt collection lawyer stating that full payment was required. I acknowledged that this debt was owed however, that I could not pay the full amount but could make monthly payments of {$50.00}. I was requested to send a hardship letter which I obliged. ( I sent the representative all types of personal information ). I was told to follow-up. When I called to talk to the representative, I told her I called to find out the status and was told to pay XXXX of the debt. I informed my representative that I was unemployed and could not make that commitment. However, I could continue to make monthly payments of {$50.00}. Then she said she needed {$500.00} or legal proceeds would begin. I pleaded with her to continue the $ XXXX/month payments. She told me " go ahead and pay {$50.00} but it will not stop legal proceedings. '' I asked her what the purpose of the hardship information was, which she did not acknowledge. On XX/XX/XXXX, I received a summons to appear in court on XX/XX/XXXX. I appeared in court. At this time it was determined that a monthly payment of {$50.00} would be made. All other fees were waived as I told their attorney this is what was being paid in the first place. That this should have never escalated to court. I received a " Judgment by Agreement '' on XX/XX/XXXX from XXXX County Court in the amount of XXXX. On XX/XX/XXXX, I received a telephone call from the Collection Agent Attorney telling me that I have not made any payments. I informed them that I was driving and needed to get home to get all my records and call back. This caller was very rude. I told her she was incorrect. She told me she was " NOT GOING TO ARGUE WITH ME ''. I was in a panic because I never missed a payment in 3 years and was never late. Upon calling them back, I informed them that payments were made every month. They acknowledged that this was correct and did not offer any apology or for causing me any distress. However, to my disbelief, I was informed that the amount now due was {$13000.00}. I asked why this has increased rather than decreased due to it being a judgment. She told me that there is interest of {$2.00} daily. So as of XXXX, it increased {$2900.00}. My payments of {$50.00} are not decreasing this debt. It only continues to rise and will never decrease. I plead to your Bureau to take a serious look into the practice of this agency. I am providng documentation for you in an attempt to help your investigation. I have all dates documented along with telephone calls. I would be happy to answer any questions or provide any other information that you may have.
I paid AMCA in XXXX or XXXX, it was settled at {$300.00} and it is still on my credit report.
Opened secured credit card with Bank of America in XX/XX/2016 Without sufficient notification, Bank of America closed my account in XX/XX/2016 resulting in charge-off of {$110.00}. 

Since then, Bank of America never notified me of this matter. 

I found this out when I pulled my credit report last week. 

I contacted them and paid off the charge off. I also asked them to remove all the charge off history from the credit report because they have not informed me of account closing. 
Bank of America refused my request, without giving me sufficient reason.
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX I want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP. 


CITICARDS CBNA # XXXX PO BOX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX I also want the above account removed from my three credit reports. ( XXXX XXXX XXXX XXXX ) This account says that it was discharged in a bankruptcy. This account was NOT included in a bankruptcy. This account DOES NOT belong to be me and I want this account removed ASAP.
Experian has been notified that a judgement against XXXX XXXX XXXX had been satisfied on XXXX XXXX yet still remained on my credit report dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. My credit score over the past 3 years has adversely affected my this Company 's ( unknown reasons ) lack of attention to this matter. Please help! 
See attached satisfaction reference file # XXXX I discovered that bureau 's are reporting my credit accounts and personal history that date back 31 years. Is this legal?