WillisBack/dataset-financial-user-claim huggingface dataset:
I filed a complaint against United Consumers stating that these bills from XXXX were disputable and I wanted them to send the bills back to XXXX because their were details I wanted them to explain, and I did not want United Consumers to share in my medical information. Not only did XXXX share my personal information with United Consumers, they put XXXX accounts on my credit reports. This is a violation of HIPAA. I have notified the Centers for Medicare and Medicaid Services as well as the Department of Health and Human Services that is in charge of HIPAA violations.
I had a credit card when went into collection, and eventually the credit company won a case to garnish my paychecks in XXXX/XXXX/XXXX for a total judgment of {$3600.00} ( {$3300.00} plus costs {$340.00} ). In XXXX/XXXX/XXXX, 1178 days later, they finally started to garnish my wages after adding {$1100.00} to the original award amount. The company I worked for ( before XXXX ), from XXXX to XXXX my employer paid the amount the original legal representative requested, a total of {$3500.00} ( {$130.00} less than the judgment amount ).. 

In XXXX, with a new legal representative, the credit company again requested my employer pay the same garnishment for the original {$3600.00}, and post-judgment interest. I was no longer employed with this company, and they spent three years trying to garnish my new employers with no success. In XXXX, they filed for an extension to the award, which was granted. This year, XXXX, after 3 years of working with my current employer, the credit company finally started garnishment, again requesting the original award amount {$3600.00}, and now claiming post-judgement interest of {$4000.00} After receiving my current garnishment, I went back to my original employer to get the garnishment payment records from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. Speaking to the original lawyer representing the credit company, they claim they no longer represented the credit company after the XXXX verdict. Yet, three years after, these legal representatives were sent payments between XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, which they also claimed they had no records of. From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX, remaining payments were sent directly to the credit company. Yet, as stated above, the credit company and the new legal representative continued to claim no payments were made while pursuing garnishment from XXXX until now. Their new legal representative took over around XXXX. After sending the payment records to the new legal representative, they adjusted out the {$3500.00} in previous payments, now claiming {$3300.00} in remaining balance from post-judgment interest accrued to date ( a difference of {$730.00} in interest from their original claim minus {$3500.00} in garnishment payments made ). 

-To date, there have been no clear reasons for why no actions were taken between their award date of XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, nor what happened with the original legal representative, or why payments were sent to them if they were not handling my case for three years, nor why they were sitting collecting interest for XXXX days. 
-There is also no reasoning of why they tried to garnish the original judgment award plus interest in XXXX, three years after said garnishment was paid, again allowing over XXXX days to pass. 
-There is no reason why they did not send a letter confirming the original garnishment amount was paid after XXXX/XXXX/XXXX, no satisfaction of judgment was noted by my employer. -They have added {$1100.00} in interest between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, when the garnishment payments were already completed according to the order received by my original employer, thus allowing XXXX days to elapse and accrue interest.
WEST ASSET MANAGEMENt is continuing to report on my credit report for a debt I believe not to be mine.XX/XX/2014 is the date showing to been opened and original creditor of XXXX with a balance of {$560.00}. 

I have never had XXXX and I also have had issues with mistakes on my credit report as myself my XXXX also share the same first and last name. We all have different middle names .when I first noticed this I called the company right away and as with all credit collection agencys or anyplace that says you may owe money you have to be careful when calling.i explained that this account is not mine and if they could please fix it.Before the woman even said a word to help she started with the '' this is an attmpt to collect a debt '' ''this call will be recorded '' its a good thing I also record my calls as well. 
As she was explained that this is an attempt to collect a debt ( Even though I called them to fix the issue ) I kept interrupting to let her know that this debt I believe is not mine. 

suffice to say I got nowhere she repeated she could not help me.Ibelieve this debt is not mine. She even wanted my ssn to look me up this was my first attempt to solve problems by myself and I got nowhere with them.if they have proof like a contract my signature or even what day or and address please let me know.i can provide documentation where I work and live for last couple years. 

I have even sent a certified letter of validation and have yet to hear back from this address that is on my reports : west asset management XXXX XXXX XXXX, XXXX, XXXX XXXX
Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.
I rented an apartment at XXXX. I completed two different leases with them. One for 15 months the other for 12 months in XXXX different apartments. I paid to transfer to a bigger apartment. I was forced to sign a new lease without even seeing the new apartment. I had a good history with them so I did n't think much of it. I was n't aware that the apartments were now under new management. The apartment smelled of animal urine and mold/mildew. The air conditioner did n't work. The stove also did n't work. I was forced to live in this apartment for weeks with no A/C in the summer. I asked management to address these issue numerous times and was ignored. My son has XXXX so I could not live there any longer. I moved out because they did not hold up their end of the lease by providing me a livable apartment. I had to look out of my son 's health.
I terminated my contract with XXXX cell phone services. I knew there would be a disconnect fee, but did not receive any letters in the mail or phone calls to tell me that the debt was owed. I received a call from a collection agency telling me that I owed money to XXXX. I verified with the person on the phone when I set up the first payment that this had not yet and would not be reported to my the credit agency, as I was not made aware of the debt that was owed. I was assured by the individual on the phone that it had not and would not be reported to credit agencies. This was around XXXX ( I believe ) XXXX. I pulled my credit report the next day it the delinquency had been reported. I called back, and the first person initially cancelled my payments that I had set up, so I spoke to another individual who reinstated my payment plan, but informed me that they had not been able to reach me in 15 days, so they had reported me to the credit agencies. I told her that I never received any phone calls ( as I had recently been dealing with health issues with my XXXX daughter ), and I did not receive anything in the mail. She stated that they had records of sending me requests in the mail, and there was nothing I could do. I am happy to make the payments, and set those up immediately when I was aware the debt was owed, but I was never provided the opportunity to pay the debt and make those arrangements before I was reported to the credit agencies.
I had applied in XX/XX/XXXX for a online loan with XXXX XXXX and from that point I been paying XXXX a month contantly and they had a lawsuit i wasnt aware of and they transfer to cash call and then to XXXX XXXX. I use to be able go online check how much i owed and now there is no website to be found and they send my information to many different people to collect they want me to get a debit visa card or go to the bank and will not mail me information about my debt which i thought i was done paying and it show delbert service on my credit report. and this person from oracle financial keep calling and want me to pay the debt i ask if they can mail me the information he stated i owed XXXX something and on my credit report show XXXX and i was supposed be done with payment for western sky in XX/XX/XXXX. then they was involved with XXXX and who called from XXXX and i just want to pay on it in legal way instead they direct me with no paper work on what i really owed
I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.
A representative from IQ Data International formally known as Rent Collect Global by the name of XXXX called me regarding a debt, she immediately let me know that there was a judgement against me and that they were going to start garnishing my paycheck. I contacted my local court here in XXXX County Washington and they do not have a any public records file against me. I called XXXX back to let her know of my findings, she immediately turned aggressive, she said she would not provide me with any documentation regarding the judgement or my debt, I wanted to make payment arrangements and she did not allow me to. She talked over me during the whole phone call, I could barely get a word out, she kept threatening me and said " you will see how good we will get you when your check gets garnished ''. She threatened to take legal action, she falsified taking legal action and she mistreated me.
Wells Fargo Home Mortgage has stated they have processed a Loan Application Review and we were denied. My name is : XXXX XXXX and my husband who has been very XXXX for some time neither one of us have submitted a loan application for review. We would like to be given Loan Workout Options including a Loan Application before starting foreclosure as required.Wells Fargo Home Mortgage has lied about processing a loan review. If Wells Fargo claims to have done a loan review Application from us please submit a copy of this application and please do not skip this request. I have not received a Notice Of Intent To Foreclose as required. I would like Loan Workout Options to be sent to XXXX XXXX by email in this response to the CFPB because Wells Fargo Home Mortgage has lied about processing a Loan Work Out Application /Review. Again please submit a copy of this Loan Application that was never submitted. 

XXXX XXXX
Hi, I have received a cash advance offer from Bank of America for 18 months with 0 % interest with 4 % advance fee. So I took advantage of this offer and call the bank, I asked them how much I can borrow without affecting my credit score? Their answer was I can borrow up to the full amount without mentioning the effect on my credit score. So I borrowed 90 % or {$40000.00}. and I paid {$1600.00}. fee. I noticed my credit score was dropping since then. Although it was my decision to borrow based on their offer but I believe the banks should inform their clients that borrowing money may affect their credit, or to get advice from credit bureaus before borrowing. 
Now to regain my credit score I have to pay back the bank which it cost me {$1600.00} for 4 months instead of 18 months. I requested to pay back their money and they reduce their fee but they have rejected that. ( B of A case # XXXX ) I consider this offers as a public fraud since this sales only based on their sales without considering if that has a negative effect to their client 's financial. This is the same thing they have done on refinance houses prior to 2008.
Loan officer at quicken loans did not explain fees up front and lied when I directly asked the question about fees. She eventually apologized saying she misunderstood. Once I submitted my application and submitted my {$500.00} appraisal deposit she refused to order the appraisal saying I need to submit all my documentation to order the appraisal. I know this is not the case and want them to start processing my loan or the sellers agent said they will terminate the agreement. I also need to get a credit decision for their special loan program and told the loan officer if I do n't qualify for that program I would not use them. I think she is stalling to get closer to settlement date so I do n't have the option to start elsewhere. The loan officer said I was approved for the special program even though she is not an underwriter and did not have an underwriter look at the file.
Eagle recovery has called me multiple times on my cell phone and at work saying I owe over XXXX on a bill I 've paid. They have threatened to serve me with papers at my place of employment if I do not pay over the phone. I checked and I do not owe this debt. It has been paid. I told eagle recovery to not call me at work or on my cell again because I do not owe anything. They continue to call.
Experian has fail to delete wrong personal information from my report. I have send the same request twice and they have send results as deleted but wrong personal information is still showing on report.
I looking over all XXXX of my credit reports and I seen accounts and companies I have never done business with, and according to the online credit report that I viewed, your credit bureau issued the report that was used to determine my credit evaluation. Section 609 E2 A1 Validation, Disclosure, [ 15 USC 1681g ] of  the Fair Credit Reporting Act of 1970 provides that your credit bureau should send me all information on file that led to my credit application being denied. According to the provisions of Section 612 ( b ) [ 15 USC 1681j ( b ) ], 623 A1 Inaccurate reporting. In addition if you cant obtain this info you are required to delete this information off of my Credit report I reviewed a copy of my credit report and am disputing all items that need to be deleted. The reasons why these items should be deleted are indicated below : 1.XXXX XXXX XXXX # XXXX Never don business with this company error please delete. 2.XXXX XXXX XXXX # XXXX This was discharged in Bankruptcy and is listed wrong please delete. 3.XXXX XXXX # XXXX This account was paid and is listed wrong error please delete. 4.XXXX # XXXX This account was discharged in Bankruptcy error please delete. 5.XXXX XXXX XXXX # XXXX This account is FRAUD I have never had a credit card with this company ever. 6.XXXX XXXX XXXX # XXXX This account is listed wrong and dates and status are wrong please delete. 7.XXXX XXXX # XXXX This account was never verified please delete.
Debt was discharged through Foreclosure not Bankrputcy. In 2009 I received a XXXX from XXXX and on my XXXX of my 2009 taxes my account declared it as a sale of a property which accounted for the XXXX XXXX XXXX ad the XXXX loan. I never received the Capitol Gain, but did pay taxes on it. Specialized Loan Servicing LLC has now sent me another XXXX for the same debt. I should not be getting a XXXX XXXX for the same debt. I have tried uploading a copy of the 2009 XXXX to your sight but have not been able to. Will put copy of XXXX from 2009 in the mail to you
On XX/XX/2017, I used my Chase VISA card to purchase interstate moving services from XXXX XXXX XXXX XXXX. I made cash payment for the services to XXXX XXXX  XXXX XXXX, but the merchant charged my VISA card {$810.00} as well. I spent several months trying to resolve the issue with the merchant, but the moving company was unresponsive. Therefore, I disputed the charge with Chase. My dispute and appeals to Chase did not result in an attempt from Chase to reach out to me for further information or clarification. In fact, Chase sided with the merchant on the dispute. In addition, Chase appeared to be 'pencil-whipping ' through the previous CFPB dispute effort just to clear the dispute off of the CFPB 's list. Chase was and continues to be unwilling or unable to perform additional research or due-diligence with respect to this transaction.
I initially opened my bank account XX/XX/XXXXfor my VA XXXX check as the government wanted to do away with a paper check. My account did not have any service fees attached to it as long as I used no checked and never went into the bank and only used the debit card and the ATM. Wachovia bought this bank out around XX/XX/XXXX or XX/XX/XXXX and the account stayed the same. When Wells Fargo bought them out during the subprime crisis they started charging me a monthly fee for my account. I talked to numerous people and fees were waved for a time but then returned. When I called again to complain about the fees, they switched my account stating this would be a better account for me. I was given the impression that this would stop the fees. But instead they were increased from XXXX dollars a month to XXXX dollars a month. Again I called to complain about charging me fees on my account and was told I needed to have XXXX dollars in the account a month. My VA XXXX is not that much and there are no bank branches or ATMs in my state. I even pointed out that all of Wells Fargo competitors have free accounts for XXXX Vets and XXXX XXXX Military. I was told that they do n't. I submitted paperwork with my VA Rep in XXXX, Ohio to change my VA XXXX to a different Bank account on XXXX XXXX, XXXX. Unfortunately, due to how the VA operates, the XXXX direct deposit did n't go through till XXXX XXXX, XXXX ( not a typo ). Then I was able to close the account. So from XXXX to XXXX Wells Fargo bank has charged me a fee for an account I never signed up for, with a bank I never opened an account with due to the Mortgage Crisis and the fact that they bought out my bank ... on a check that the IRS ca n't even tax due to it being my Service Connected XXXX check from Veteran 's Affairs. No one from Wells Fargo wanted to help me and I feel it to be discrimination. First a XXXX from the VA with a pittance of a check for serving my country, then XXXX by a Bank who helped cause a XXXX.
On or about XXXX, 2015 Jefferson System Capital and XXXX are both collecting for the dame debt. I do not owe what they are claiming and I have requested information on numerous occasions and have never been provided with supporting information for the debt.
On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.
I have been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX 
XXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents.
I have been disputing all the negative accounts and fraud inquiry, Experian is not removing the items in question. I have been complaining about the same items for months now and have sent in a police report, proof of address, and social security number. Every time I get a response back with a generated letter stating the same answer. I have paid off all of my debt back in 2013 with a home loan and all accounts were paid in full and a letter was written for them to be closed. My information was used fraudgently and nothing is being done about it. I should not have anything on my credit report that is negative because everything was paid off.
I applied for a loan through  XXXX .  Them the y said they were going to send my request to many lenders but they only sent it to one which was  XXXX . They are predatory lenders. I did n't sign any agreement with them but they are constantly calling and sending emails trying to get me to sign a loan for 774 % .I am not very educated but do know that in know way is this a legitimate way to borrow money. I would be better off going to a loan shark. Something needs to be done about these predatory lenders.
On XXXX XXXX accounts that did not belong to me was deleted and now its back on my credit report. It 's seems like another company bought the files.
I have two accounts with Citi card that I have had issues with for years. I recently paid off both cards and am still getting a bill for just over a hundred dollars on each. I have confirmation numbers from choosing to pay off the entire balance but Citi cards is just trying to continue to take money from me. They have impossible to use customer service and I have spent hours trying to get someone on the phone. They outsource their customer service to other countries and when you finally do get someone you are not able to get your issues resolved because none of them have the ability to actually do anything. So I paid thousands of dollars to get out from underneath these two cards and they are still making sure I can't. I need help.