WillisBack/dataset-financial-user-claim huggingface dataset:
I am in conflict with two ( 2 ) accounts that is reporting on my XXXX and XXXX XXXX credit consumer report. 
Named account XXXX. 
I had gone to the emergency room visit in XXXX FL. XXXX XXXX XXXX  around XXXX where my visit was paid for by my health insurance - However unbeknownst to me the emergency room doctors were not, I was not told this by XXXX XXXX XXXX   at time of admittance. NOT FAIR. 
Now these two XXXX accounts listed on my reports is now affecting my life. 
I was refused due to a background credit check because of this issue, of all places mobile home park to reside in. 
I became XXXX XX/XX/2013, but my day in court was literally 4 years later. 
Nobody is sympathetic that at the time I needed the medical care, while doctors are working as " Sub Contractors '' in the emergency at time of my need, and was not informed. no mention of a payment plan from XXXX. Doctor/s did not get paid on their time line so I was reported to their medical collectors, " XXXX '' The sign on the wall of the emergency room reads, and I'm paraphrasing, Everybody will be seen by a doctor, no matter of ability to pay at the time. 

XXXX XXXX can not pull back my account from XXXX, because the doctor 's reported me and they are somehow not affiliated with the XXXX?! This makes no sense. Now it is too late to make payment arrangements because XXXX is all scripted robot humans whom only want payment in full.
This is XXXX again. I just checked Chase Banks response to my complaint about my mail theft issue and the XXXX late payments that resulted from that dilemma and they are claiming that i was advised of the minimum payment over the phone, hence I am responsible. Yet I WAS NOT ADVISED of that and due to my statements going missing I had no knowledge of them minimum payments and therefore this is NOT my fault and Chase is refusing to follow the law and accept the Police report which I obtained. They are the only company that was affected that is giving me this hard time and falsely reporting to the three credit bureaus that I was dilinquent and this has tarnished my credit. I am a victim and they are being very difficult with me and they keep giving me the run around and refuse to do what is right. I advised them over and over again that the clerk at the bank simply took my payments a few times without advising me of ANY minimum. I do not bank online, so i had no access to that info. Which is why I paid the minimum as I was afraid ALL of my information was being compromised. Chase did not even care that my mail was stolen, they did n't even offer me condolences or a new card because my statements had my card numbers on it. They could care less! They have no respect of trust in their customers!
Equifax leaks my personal information, and the information of millions others, and does n't tell any of us, directly, for over 30 days. I learned from the news. Completely irresponsible, the company should be shuttered and its executives driven to bankruptcy. Also, they have the gall to push their services on the site that tells us if we were compromised? Outrageous.
I purchased a car from XXXX XXXX in XXXX, PA. I was instructed by XXXX XXXX that the car was in perfect condition and needed a few small repairs. Upon purchasing the vehicle, I went back to the dealership several times from purchasing the car. Telling them that something was wrong with the car. Each time they instructed that nothing was wrong. Upon taking the car to my local car repair they found many things wrong with the car. The car is zip tided together. The car is unable to be driven because the zip tie has now broken.. XXXX XXXX Agreed several times to make the issue right and never did. If this car would have fallen apart on the highway someone would have been killed. This is very serious..
On   XXXX     I made a purches for the amount of {$100.00} to  XXXX . My online account balance reflected that same amount being charged and withdrawn from my account that day as well as the balance after the charge. On   XXXX   my account balance shows {$140.00}, I was charged {$100.00} again by the bank on  X/XX/17    for the purches I made on   XXXX   with no reflection on my account statement of the transaction being made on that   XXXX    . I have the reciept from  XXXX  that shows the transaction did go through on  X/XX/17    but the bank has no record of it being made or has lost the record of the purches on that date. I called the bank and they said there was no purches made on the reciept date and, my account is now overdrawn because of this error.
The school I was going to was a waste of student loans. The school was not teaching everything needed they only wanted the money. I graduated from the school but it has been very hard to find a job in my profession due to the lack of knowledge that was paid for but not taught.
According to a XXXX XXXX with Continental Finance, the balance on my account ending in XXXX is XXXX as of XX/XX/XXXX, this is stated in her reply to a previous complaint regarding an unauthorized charge in the amount of XXXX .... She stated charge was credited back on same date, XX/XX/XXXX. However, a statement received most recently with a closing date of XX/XX/XXXX shows a balance of XXXX, which does not coincide with what she states. Due to account status, I am not able to log in to website to view activity/ balance information. There is an error on her part or on the statement, which was cut after XX/XX/XXXX. I need clarification as to the exact balance.
I have been experiencing identity theft and also i have been going through a lot of financial situations. I recently opened a small business and had different of personal accounts that different people from different organizations and other trust fund monetaries that where left to me from a deceased individual, that explained that she wanted her money to go to a charity of some type. I was left a sum XXXX XXXX dollars close to in XXXX XXXX i should say. I opened my investment account and I did the appropriate paperwork for the trust fund account and gave the appropriate distribution for how the money was supposed to be distributed equally each month and to each account. Every single account that I have opened and every deposit that was either transferred and or supposed to be wired, released to the account and then in increments where transferred out of the accounts slowly and shortly. While at the same time the accounting information online are telling me pending. By the third day of the payment holding process the bank then shows that the account funds was insufficient and on top of the NSF message i had to pay a check refund payment. Every single time the check goes through a specific holding period the funds within that period are released and then the information changes and says that it can not be processed and the checking funds was stopped. This has happened with a repeat number of my accounts causing me to go negative within my business to take a major loss on the business and personal aspect. I then try to get some type of confirmation and or repayment and the companies try to tell me they can not locate the account and or they can not understand what happened with the account. I filed different police report numbers and have been to different agencies and yet i am still without any account and or without any funds at all. I do not know exactly what to do and or how to get my funds back nor do i know how to or what to do because it has even been a change in the police reports that i have done missing information at the merchants, and /or the different companies that i have used for money accounts and or for personal stored information. I have tried protective custody switching name and personal information on my accounts plus more and at this point i am at a total blank of what is going on or what to do next.
XXXX mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to the XXXX website, and would like a resolution.
TD bank advertises foreign currency and exchange services however the daily rate on the bank website is not honored when customers exchange currency at the bank. Upon follow up the bank has no department or customer service agents that can address such discrepancies exempt to refer back to the branch. The branch staff defer to the bank as they have a set rate in the computer they are quoted to follow and they are under no obligation to honor the exchange rate quoted on the website. 
I exchange {$1900.00} XXXX on XXXX for XXXX at a rate of XXXX which equals XXXX XXXX for every dollar. The official TD bank exchange rate quoted on the website on the same day and same hour was XXXX or XXXX. The difference for the total amount was XXXX in addition to the exchange fee. The market rate on the same day was XXXX to {$1.00}. 
TD should honor the rates on its website and should give their custody service the training and tools to address calls on this issue.
Fidelity Account Services, LLC contact a third party ( a relative ) and give private information regarding my account with them. I have contacted them to let them know that they are violating my privacy.
Dear CFPB My name is XXXX XXXX and Iam writing you about an entry listed on my credit report which I have tried to have removed. Apparently someone with asimilar name to mine filed bankruptcy in the federal district and with US bankruptcy courts and it appeared on my credit report. Through XXXX, transunion and XXXX XXXX i filed a dispute stating that someone with asimilar name had filed this public record and it was not mine. Unfortunately it came back verified and it is still listed on my credit report. Frustrated I decided to contacted the Bankruptcy Court and the federal district and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it immediately.
I called with my new mortgage provider about a month ago to get a letter that shows the loan as closed and they said I would get a letter within 10 days. I never received the letter. I called again on XX/XX/2018 at XXXX and they said I would received the letter within 72 hours. I still have not received the letter. 

I just spoke with my lender and it was suggested that I file a complaint and then call them again. 

This is going to hold up getting my mortgage finalized and I need the letter.
I went to the XXXX dealership on SaturdayXX/XX/XXXX, because I was having problems with my car. XXXX XXXX was the salesman who helped me. This was a first time car purchase for me. He showed me a used XXXX XXXX XXXX. I took it for a test drive. He asked if I liked it and that was it. He ran my credit six times before I was approved for a loan. I was told I did not need a cosigner. They asked me what I made per hour and how many hours I worked a week. That's how my income was estimated. They were rushing me and kept asking how much I was going to put down, The downpayment was paid before the contract was signed. I did not have proof of insurance when I left with the vehicle, I was told to text the information the next morning. As soon as I poke with my insurance agent I knew I wouold not be able to pay for the car and the insurance. The Monday XX/XX/XXXX my father, who was not with me at time of purchase, went with me to take back the vehicle. I was told by the manager XXXX XXXX, that there was no reversing the contract and it was a done deal. The car was left at the dealership. I contacted the bank that the loan was made through and told them about the situation. They had no record of a loan made to me. I called a few times during that week and no loan was found. Then I received a letter a couple weeks later from the loan comapany saying my loan went through and my payment was due. I contacted the bank that the loan was through and told them I did not have the vehicle.
hey, I have a pair of collections that wasn't me. So I was checking my credit scores and saw collections that I know are not mine. I've clicked the collections to get further details and the collections claim to be in the amounts of {$330.00} and {$830.00}. The creditor is " XXXX XXXX XXXX '' and account status lists that it was opened on XX/XX/2017. I am XXXX years of age, I know I don't pay for electricity bills or gas bills yet and believe a family member who may know my info caused this.A family member has the same name as me and most likely knows my social so I am assuming but cant be 100 % correct. I have called XXXX XXXX to ask questions and was told the address linked to the account was not my current address at the time this happened. Due to security reasons over the phone they couldn't provide me with address details but would love to get this solved immediately please. Thank you for your patience and help!
Previous CFPB # XXXX AES sent a letter that stated that the late pays would be removed from my account. I have been receiving credit agency emails stating that my account has been corrected. After contacting the agencies they state balance has been updated and late fees removed but XXXX late pay in XXXX is still showing on report. I 'm in the process of obtaining a XXXX loan on my home and this is causing an issue with the rate due to damage to my XXXX XXXX. 

I 'm confused on why the reporting agencies are permitted to add derogatory info to accounts without first alerting the consumer? It took them XXXX day to ruin my perfect credit and its going to take XXXX days to repair after fighting with AES for XXXX months. 

Can this dispute also be sent to all XXXX credit report agencies? I will gladly complete XXXX more disputes is this is what it takes for them to correct this issue. 

Thank you so much!!!
Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.
XXXX XXXX keeps showing late pays although the information is not verified and they do not show the correct information.
Nair & Levin Law Offices of P.C. 
XXXX XXXX XXXX XXXX, CT XXXX On XX/XX/2018 they sent a Wage Garnishment to my work for a person who has the same name as me but it is not my debt : the Social Security number and home address of the person they were trying to attach the wages are not mine. A letter was sent to them from my employer stating such.
This is my second complaint. TD Bank continues reduce my credit limit after I make large payments. My credit limit was originally approved for {$8000.00} then reduced to {$5000.00} now it is reduced for {$4000.00}. 

I am being penalized for paying off my loan early. In addition, they do not communicate the change in credit line on my statement, in a letter or email. In fact they have removed my credit limit line item on my statement. It always states zero now. 

They are negatively impacting my credit score when in fact it should be positively impacting my credit score.
XXXX XXXX, XXXX. Pursuant to FDCPA 809 I requested XXXX XXXX XXXX send me proof of the debt they say I owe as they are required by law, and also prove the debt is mine and valid via chain of title to the debt. They do not have/failed to provide my original signature in any documents. The " proof '' of debt they sent was a copy of an old credit card bill. Ridiculous and illegal. 

XXXX XXXX. 
With further harassment from the plaintiff multiple phone calls and visits from the sheriffs office and multiple attempts to seize funds from my bank-I am filing a second complaint and demanding proof of the debt they claim I owe. Immediately. I have sent this demand via registered mail. I also request no further contact from XXXX XXXX XXXX as I am considering legal action against them.
I was contacted by the XXXX XXXX XXXX located XXXX XXXX XXXX XXXX XXXX WA XXXX from phone number XXXX via my cellphone on XX/XX/XXXX XXXX XXXX XXXX XXXX regarding a medical debt that I have been paying monthly since XX/XX/XXXX. I told the representative that they were in violation of TCPA and they did not have permission to call me on my cellphone. I asked them to cease and desist. The representative then went on to let me know they could contact me if they so choose to. On XX/XX/XXXX XXXX I received a call at my place of employment. I explained to the rep that I could not receive calls at work and would be terminated he then let me know he would continue to call and pursue additional collection efforts now that he confirmed my place of employment and the calls would continue.
Equifax added a personal statement to my credit report. One that I DID NOT request or authorized. What they did is took my complaint resolution from consumer finance and added word for word to report. That does n't seem professional or legsl.
I was offered a free sample if I paid only the shipping charges. I accepted this and later was charged XXXX charges on my credit card in the amount of {$89.00} on XX/XX/XXXX and {$87.00}. I called to dispute these XXXX charges on XX/XX/XXXX and was told that they would be removed/reversed. They were put back on XX/XX/XXXX and XXXX/CITI Corp has been very uncooperative in removing them. When I call the XXXX number I get someone with a heavy accent and They seem to be in cahoots with the ones adding the charges.
I am writing to complain about Champion Mortgage Co. I 've had nothing but problem with this company in the past. They have made so many mistakes in the past especially with transactions History. which I am not disputing some of them waiting to hear back from them about this. My father did a reverse mortgage on the house that I now own. My father XXXX XXXX on XXXX XXXX, XXXX and left me the house. On XXXX I received a letter from Champion Mortgage telling me that they had received the funds and posted the payoff on XXXX to the reverse mortgage loan in the amount of {$330000.00}. Therefore the reverse mortgage is now paid in full. I had to sign a listing agreement to keep from losing the home. with it now paid in full I am trying to get a full reconveyance from this Company and I am getting the run around. They transferred my fathers loan over to reverse mortgage solutions whom I 've been in touch with and told them about the letter from Champion Mortgage which they should of already had if Champion turned over all the proper paperwork. Ive faxed over to XXXX the copy of the letter and I am still getting no where. They tell me they need a copy of my fathers XXXX XXXX which they again should of already had so I faxed that over to XXXX. They tell me no your loan is n't paid off. Well yes it is. I am not going to stand here and let them tell me this was also a mistake. Just how many more mistakes has this company made. They said they received the funds, so Im assuming my dad had something set up to pay it off when he XXXX XXXX  because they said they received the funds and it was now paid in full. All I want is a full reconveyance so that I may be able to move on in my life. I 'm tired of the run around I get from these people this is why peoples homes go into foreclosure because you ca n't get anywhere with them. Even after you 've done all that they ask you to do its always something eles they need. If you read up on the consumers affairs reviews for Both Champion Mortgage and XXXX they are nothing but BAD reviews on the both of them. so many people have lost their homes because of them and I do n't intend to be one of them.Its already been over a month since they sent me this letter and Ive heard nothing from Champion Mortgage and they wont talk to me because they turned the loan over to XXXX.And XXXX keeps giving me the run around/ I do n't know what they do n't get about my loan been PAID IN FULL. I 'm attaching a the letter to this so you can see it for yourself. Anything you can do to help me get my full reconveyance would be appreciated so I am not another one of their victims.
I already have a case # XXXX and was told to resubmit a second complaint " not a duplicate '' This is about the dep't collection agency that has taken over the matter. I told them the bill was never sent to my address until it was in collections. The agency is called XXXX collections, their phone # XXXX or XXXX They are calling me every day on a dept. that I would have payed if I had ever received it. Now their is XXXX dollar additional charge and possible mark on my credit for a bill that was sent to the wrong address. I explained that I would pay the original amount of the original fee from the home owners association if some one actually sent me the bill. They said that was not their problem. PLEASE HELP ME with this corrupt unfair issue. I have also called The timeshare at XXXX at XXXX XXXX XXXX association XXXX times and am told each time that the manager is not their and will call me about the dept issue that they forwarded to XXXX. I never received a call.
My name is XXXX XXXX, I have credit card with XXXXBank and I owe XXXX on it. The online banking offers customers a way to check their credit score by clicking on and signing into to a link to the Transunion Credit Score Check. It is showing I owe {$330.00}. I have attempted to have XXXX Bank remove the charges because the last credit card rep at XXXX Bank, XXXX, whom I spoke with earlier this week, confirmed that I owe XXXX on all my cards. XXXX suggested I go to " XXXXBank Tech Support '' and since then, I have been unable to actually reach a " tech support '' person by phone, I have written to them as well. I have received no response assuring me that they have confirmed the information that I owe nothing and have had no assurance that " tech support '' has done anything on my behalf or is working to have the {$330.00}. bogus balance removed. Please advise.
This letter is to file a serious complaint against, XXXX XXXX of XXXX XXXX XXXX, File No. XXXX Ref No. XXXX XXXX XXXX XXXX XXXX XXXX Ca. XXXX, phone number XXXX. 
Back in XXXX XXXX, we received a call from XXXX XXXX demanding a payment for an unpaid invoice from merchandise shipped from XXXX to some country in XXXX, a company we are not aware of. When my husband asked for more details he added my husbands name to a case that he was not involved in. After looking into the documents we immediately called the XXXX Police Department and filed a case number XXXX. We emailed them the information and informed them is was a case of identity theft. Based on a statement from Detective XXXX, they were able to determine that the information was fraudulent. The documents that XXXX XXXX provided with the notary seal were determined to be fake. 
We were then contacted again on XX/XX/XXXX by XXXX XXXX, and when my husband informed him again, its an obvious case of identity theft, XXXX XXXX began using abusive and intimidating language, with threats of suing us and taking legal action against us. 
He was extremely unprofessional, and was telling my husband to ''Drop the attitude '', and " He couldn't care less about aggravating him ''. My husband then called back the company and asked to speak with somebody other than XXXX, the operator was instructed not to let him speak with anyone other than XXXX XXXX. Please look into this abuse of power and authority, and please let us know what can be done about this case. 
Thank you, XXXX XXXX XXXX File No. XXXX Ref No. XXXX