WillisBack/dataset-financial-user-claim huggingface dataset:
I don't have the letter in front of me so I don't have exacts dates but I know the time frame. 

At the beginning of the year- roughly XXXX I called to get a statement showing what were charging in interest and fees. The girl on the phone had told me it was 24.5 % but didn't actually show that anywhere. So I asked for a statement in writing showing me that's what I was being charged and when it was charged and how. She put me on hold and then got back on saying something would be sent. I did receive it. However, all they sent was a print out showing what my student loans were and what their total was. Nothing that showed what exactly they were charging. Then I received a letter stating they were reviewing my account and would contact me after it's been reviewed. I was never contacted. 

A few weeks later I received a letter from the department of education about garnishing my wages and it said I could object to it and so I filled out the form and typed out a letter stating I wasn't objecting to paying it but I was not going to pay fees in when they can't show me what they are charging, when it was or if accruing interest or fees. I also filed a complaint online on the myeddebt.com website and also made a payment through the website and not through GC Services.

Now, a few weeks after that I received another letter from GC Services in regards to my concerns to my account. This time they included a copy of student loan agreement. But again have yet to provide me with anything showing me the actual interest rate or any fees that are charging or when they have been applied. I've never disputed owing fees. All I asked for what a document saying what the fees are or the interest and when or how it's applied. Which I thought was a reasonable request, but it seems they are incapable of that and now I question why they won't put this information in writing.
My loan matured in XXXX XXXX. I first contract TD Bank in XXXX of XXXX for an extension of my mortgage loan. In short, they have taken over a year and now refuse to renew my mortgage loan which I have paid perfectly for 10 years. In addition, they informed me that I would be approved for a deed-in-lieu of foreclosure but refused to waive the deficiency balance and/or present terms of repayment for this balance. The deficiency balance would be roughly $ XXXX. They are stating that the value of the property is $ XXXX. We originally acquired the property in XXXX for $ XXXX.
Hello. i bought in 2013 a dodge gran caravan in XXXX NC, where i was living .and at this time according the contract say and the history payment the got all money of the total of interest they show me when i signed.they say now something difficult that i can not understand, i would not sign such a robbery, they told me in XXXX because in that date my English was less than today, you are gon na pay this total of interest, i say okay, i sign for it.a month later, i noticed i have a GAP, i never asked that, a car with XXXX XXXX mile not need it.Now they wan na i continuing wasting my money .i signed for a total of interest, not that they are telling me now, i know my English is not good but please tray to understand me and i hope this prevent to another people fall in such scam.
I contacted my mortgage company and asked to be placed in on some type repayment plan. however I was turned down XXXX. I have been asking for assistance since XX/XX/XXXX when the loan was not as delinquent as it is now!! I spoke with a representative in the later part of XX/XX/XXXX in efforts to still save my home before falling victim to a last resort of filing Chapter XXXX order of protection. I am now being told I qualify for a repayment plan within the loss mitigation department ... REALLY!!!!!???? WHERE WAS THIS PALN WHEN WAS ASKING FOR ASSITANCE IN XX/XX/XXXX WHEN THE DELINQUENT AMOUNT WASNT SO HIGH. The reps only answer is she does n't know and this is a plan we offer within our collections department.
PETER ROBERTS & ASSO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Dear Sir or Madam, This letter is in reference to account??? at XXXX XXXX XXXX XXXX for services provided to XXXX XXXX on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$110.00} Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of 2009 ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely,, XXXX XXXX
This account has been long since paid off. I filed a dispute with XXXX XXXX and it cleard off my report but it still shows on my XXXX report.
I have had on my credit for 2+ years a charge of XXXX. I have questioned this balance numerous times and my response from XXXX hospital is ; payment in full is required. XXXX hospital accepted a negotiated balance from the XXXX XXXX via XXXX. Original bill was XXXX, XXXX insurance pd XXXX hospital XXXX. XXXX hospital then turned the diffency balance over to a collection agency, named Healthcare collections loc. Per XXXX insurance, when a claim is negotiated the balance is a write off. I have called XXXX hospital, they have since removed the charge from my credit, but they have caused me great financial distress to obtain any type of credit for 2+ years. 
XXXX HOSPITAL # XXXX Healthcare collections LLC XXXX Thank you, XXXX XXXX XXXX
XXXX IS CHARGING ME WITHOUT MY AUTHORIZATION. I invested in XXXX. I made a deposit, that went through. The continued take the SAME deposit over and over again until my account has over {$300.00} in fees! I have tried to contact them. I have emailed them. As of this morning, they are still withdrawing money. I removed all my money from XXXX via wire transfer, ( paying a giant fee ) and it was supposed to take 1-2 days. ITS BEEN 6 days and I have nothing but an empty bank account that XXXX is still trying to take money from and my bank is still charging me. HELP!!!!!
I have a mortgage with Seterus inc. that has been modified about 5 years ago. 
Seterus inc. has worked with me when I needed the most and I truly appreciate it, but they had become my worst nightmare after they started making various mistakes in handling my mortgage correctly and effective. 
They first made a mistake in applying money to my escrow, they raised my payment saying I did n't have enough money in the escrow account to cover insurance and taxes. 
I found that odd, cause I new how much I had to pay a month to take care of that and they were charging me a lot of time and money. 
After months and many hours on the phone trying to get them to fix my escrow, they finally did it and I was able to get my payment to where it was supposed to be. 
After they fixed the escrow, they began telling me that my mortgage was late for a month and stated charging me a late fee every month. 
I have told them in dispute letters many times that I am not late on my payments and that I have all my receipts to prove it. 
They keep telling me that I am late since XXXX and I have not paid the XXXX installment. 
I have the confirmation number and the bank statement to prove that they have received the payment. 
Please help me fix this problem as I think they are doing this on purpose based on the fact that I have filled for bankruptcy right after the modification and have failed to reaffirm the loan by the due date and now I feel like a deer that is being held by the neck by a lion that is just waiting for my last breath. 
After all the mistakes and because the mortgage not being reported to my credit, I find myself " stuck '' with this bank. 
I looked into refinancing now that I am getting back on my feet, but I was told by one of the institutions to file this complaint and have this fixed before I could try to get refinanced and get rid of Seterus inc .
I contacted Experian to let them know that they have changed my name on my account to my husband 's name. They advised me that my husband membership/account is his name and ssn, and his report, but my membership/account is under his name and date of birth, but my social security number. 

I am not sure how this mixed up happened. I can only imagine because we used the same computer to sign up for separate memberships with different email addresses, two days apart, but when I logged into my membership which I set up two days prior to his ( and it was under my name and date of birth at the time ) we have different login numbers as well ... so when I logged into mines today his name appears and my credit history appears. He logs into his, his name appears and his credit history appears.

So basically they have taken my identity and given it to him and now they are telling me I have to prove that they did that. I asked them can they please just track down what happened and reverse they advised me no. I would need to mail in proof of my own identity. So I am now being inconvenienced for their errors. The time I will need to take off of work to get this done ( going to get social security card, birth certificates, typing letter and mailing or faxing it off ), I will need to be reimbursed for. Additionally, I am trying to make a major purchase and now I have to wait 30-45 days for them to correct what they did in a few seconds.
the company Universal Aceptence Corp/ Car Hop they always say that your credit will go all the way up. they say they can help me while them while they have the free will to cotinue calling me emailing me stating if i dont pay they will repo my car or turn off the car. which scared me respect
On Saturday, XX/XX/XXXX, my roommate transferred me {$2000.00} using the XXXX mobile banking app, as she had done many times before. I have a XXXX XXXX  account so the transfer should have gone through immediately, as it is supposed to. About 30 minutes after, I get a text from XXXX XXXX XXXX saying that my account will be credited this {$2000.00}. I do n't have a XXXX XXXX XXXX account so this was my first red flag. We both went into a XXXX and they said not to worry and just to wait a few days. After a few days, we contact XXXX and they say we have to contact their claims department to get the money back. My roommate does so and they deny the claim several days later, saying it went into a XXXX XXXX XXXX account and that XXXX XXXX XXXX has to do something. For the next two months, we go back and forth between XXXX XXXX XXXX and XXXX trying to get our money back. Each one blames the other and both lead us on wild goose chases through a chain of phone calls. The transfer was done using XXXX, which is a third party company that XXXX and many other banks use so we also contact them after giving up on XXXX and XXXX XXXX XXXX. Both XXXX and XXXX XXXX XXXX say this is a XXXX problem since it was done using their app and since we are both XXXX customers. XXXX refuses to handle it since they said everything was " done right on our end '', even though clearly not since both of us are out {$2000.00}!!!!!!! They say that it has something to do with my phone number and that even though I had updated it on the app, it did n't go through ( which i was NEVER made aware of! ) because it is linked to a XXXX XXXX XXXX account, even though I have had this number for over 1 year. Regardless, a bank transfer should never go through using someone 's phone number!!!! They make me think it is fraud so we go and file a police report with the XXXX XXXX Police Department who then tries to get in touch with both XXXX XXXX XXXX and XXXX. Both banks STILL wo n't cooperate even with the police! I even called the XXXX  Executive Customer Service number and submit a complaint on the XX/XX/XXXX and have yet to hear back from them. They are absolutely refusing to cooperate, even though it was their app that made us lose our money. Please help!!!!!!! XXXX is the one that facilitated this whole thing and they absolutely refuse to help us or even acknowledge the fact that we have an account with them. We have all our conversations with them saved for proof!
I inserted a complaint here on XX/XX/XXXX. I received a response via your website and responded I have yet to hear from CFPB or Portfolio. have contacted Portfolio several times via mail over the past 90 days, after inserting a compliant with CFPB they sent me two letters one XX/XX/XXXX and the other XX/XX/XXXX simply stating the debt. Portfolio also mentioned in their letter they tried to contact me via phone. I have not given them my phone number and based on the year they obtained the account their company would not have had my phone number. I will only commuicate with them in writing. I requested proof of the debt in every letter sent i.e.

copies of signed agreements for original creditor & complete accounting of debt to assure accuracy.

I have received NONE of those items however Portfolio insist their simple letter is proof enough when the FDCA 809 ( a4 ) states the debt collector will OBTAIN verification of the debt and a copy of such verification will be mailed to the consumer. They did not do this although I specifically asked for what I needed to move forward with this account. 
I HAVE ATTACHED BELOW THE FIRST AND ONLY RESPONSE I RECEIVED FROM PORTFOLIO
The issue I think I have at well fargo is I can not finish the lending procedures. I have feeling the Loans and credit cards I applied for were approved. unfortunately I feel the bank employees took the action of falsify or not finishing the lending procedure and told that they needed to verify a few pieces of information. when really just printed and mailed me a letter declining the account. 

the accounts applied for are a consolidation loan and a visa signature. I have applied for each accounts at least twice if not three times.
I have repeatedly contacted the company over the last 6 weeks to resolve this debt. However, the debt is related to a judgement that was put on a property that I used to own with my ex-wife and the debt was originally with Citifinancial. Citifinancial put the judgement on the real property then sold the debt to asset acceptance who then sold the debt to XXXX XXXX XXXX. When I have contacted XXXX XXXX XXXX they will not send a payoff letter referencing the judgment so that my ex-wife can sell the home and satisfy the debt. 

On XX/X/2017 XXXX XXXX XXXX refused to send a payoff letter referencing the judgment but sent a payoff letter without information needed in the amount of {$4600.00}. I can not pay the amount until the house is sold and my ex-wife can not sell the house until I have the payoff letter and the house is currently under contract with a buyer. 

XXXX XXXX says they have no record of the judgment and even after I have faxed them all paperwork that I have attached to this complaint they still tell me 4 weeks later they have no record of the judgment. XXXX XXXX does not want to take the responsibility of satisfying a judgement after they have bought the debt.
I filed for XXXX XXXX Bankruptcy since XX/XX/XXXX which was discharged XX/XX/XXXX. During the bankruptcy period I was paying my first and and home equity line outside of the bankruptcy. XXXX XXXX XXXX Mortgage is my mortgage company which I had no issues with ; they sent me " informational statements '' each month which kept me informed of balance interest etc. However Green Tree never sent me informational statements although I had requested many times. I was always promised they would come but time and time again did not receive. Even now after a year since my Bankruptcy has been discharged I have not got XXXX statement. I was never informed Green Tree is now Ditech Financial LLC. I realized after receiving my Form XXXX Mortgage Interest Statement in XXXX XXXX and XXXX Green Tree to determine Green Tree is now Ditech. Both Green Tree and Ditech failed to provide me proper documents to inform me my loan was sold or transferred from Green Tree to Ditech. Both companies failed to comply with my request for informational statements while in Chapter XXXX. Both companies failed to provide monthly statement of my balance, monthly payment amount, interest I am paying ( adjustable ) verification of payments received and loan balance even after my repeated request. 
With out knowing my current current interest amount I was unsure if getting a personal loan would be beneficial. Ditech Financial LLC ( formerly Green Tree ) has caused me much time and stress. As of today, 1 year since the discharge of my Bankruptcy I still have not received a Statement.
I am writing about ameris bank and manager XXXX XXXX who was let people inbesele XXXX   XXXX in and out of my account I had fought and I had taken a bank check for the money I had from social security fraud that XXXX XXXX was doing with XXXX XXXX in XXXX XXXX county XXXX Florida and now i'm in XXXX XXXX and my credit dropped because of ameris I a a credit card that was insured on my account which had the money on u bank insured for XXXX I am XXXX and I can't have that much money in my name so I had to take it out to prove what has been going on with my accounts I had 2 with them
I am attempting to have a tax lien withdrawn from my Experian credit report. I 've attached documentation to support my request. I have n't been successful when I 've disputed to have my file updated.
I have made numerous attempts to move forward with a loan assumption through Freedom Mortgage and/or XXXX. I 've completed the email request process per their instructions with the confirmation from them they were going to send me the loan assumption packet within 7-10 business days. It 's been 2 months and no packet. Every time I call, both of these institutions shuffle me back to the other. The one time I did get a hold of someone who was able to pull up my account, they told me they could not move forward until the investor responded back to them, even after it was previously verified that my loan is eligible for assumption. The last time I called, neither institution, Freedom or XXXX could find my account. I feel this is a stalling tactic to dissuade me from allowing my daughter to assume my mortgage and they would rather do a bait and switch to get us to apply for a new mortgage. Please help me get some resolution to this so that we can move forward with the loan assumption. I 'm not in the best health and on a fixed income as I 'm retired.
Money was unauthorized and fraudulently taken from a family members bank acct who was very ill at the time and is now deceased. The bank acct was thru Bank of America ... Can the transaction date and time be retrieved? and the actual person or persons who fraudulent took the funds from the acct?
Since XX/XX/2016 .... pretty much a year ago, I have tried to have fraudulent and unknown accounts and errors deleted from my XXXX credit report. Per the advice of a XXXX rep named XXXX in special services, sent in my police report and nothing has happened and I can no longer reach him. 

I have some huge concerns about the following fraudulent accounts and need them to be removed asap .... they are also referenced in my police report. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
On XX/XX/XXXX, I checked my XXXX XXXX account to see that my score dropped 47 points. This happened because every one of my student loan accounts had a balance increase of various amounts that resulted in over {$10000.00} total increase. My problem with this is that I've been out of school since XX/XX/XXXX. I've never received a notification from XXXX XXXX about the accrued interest on my loans being added to my credit report. I'm currently in an income driven repayment plan that has a monthly payment amount of XXXX dollars every month. It doesn't seem fair that I'm following a program based on their recommendation for my situation, but am being penalized by my score dropping tremendously. Further, the information on my credit report versus the loan details is not presented to me the same way, which seems misleading. An example being that one of my loans has a current balance of XXXX. This number has been this amount for over a year now with no accrued interest added to it until this month. So now all of a sudden the accrued interest for this loan has been reported for this account and XXXX XXXX says the balance has increased from XXXX to XXXX out of the blue. When I go to my loan details page, my current balance for this loan still says XXXX. What is reported to me versus what's reported to the credit bureaus is not presented the same way. If they can attach that interest to my loan for credit purposes than the current balance on my loan should reflect that number reported to the bureaus not the same XXXX then another section listed as " unpaid interest. '' I believe that this interest should not be added to my credit report as it has not ever been reported up until this point and it is not reflected in the current balance in the loan details page on my online portal. I feel that I am being penalized for following my repayment plan that was assigned to me by my loan servicer. If my current balance is one thing on my loan details page, it should be the same on my credit report unless the interest capitalizes and is added to the original loan amount. This style of reporting currently used by my servicer makes my loans look like a credit card account and that I'm supposedly borrowing more money and constantly changing every month. An installment loan is not a revolving credit account, thus it shouldn't be treated as one with constant changes in balances. An installment loan is only supposed to affect your credit score if you miss a payment or default. Neither of which has happened yet in seeing a 47 point drop which is ridiculous! This will adversely affect my ability to apply for a mortgage or any other lender based activity that my credit score is based on due to an account that I've never missed a single payment on. My credit worthiness is being depicted inaccurately because of this loan servicer. Please help me resolve this.