WillisBack/dataset-financial-user-claim huggingface dataset:
Dear mam or Sir, Id got XXXX in XX/XX/2014 at XXXX XXXX XXXX. A few months later I received bill from XXXX XXXX XXXX XXXX XXXX  XXXX. It was {$1900.00}. My insurance company did not pay for that. Because, they said that it was out-of- network for the XXXX.I never know that because nobody explained to me that before XXXX. I think that they were miss communicated each other between operator and hospital.SO, my insurance agency and I was contacted so many times to my doctor who XXXX on me.. Because we needed to know what was going on. But Dr who never responded to us for that. Finally, I received letter from debt collection agency. Also, my credit is got bad score now because of that. 

Sincerely,
I was issued this loan in 2007 the initial release of funds to the school was just over 9000 dollars now the balance has ballooned to almost 25000 dollars. I dont see how its fair to have to pay back that much money for credits that i can not transfer to a decent school. I have just recently been dicharged in bankruptcy and am still struggeling to get back on my feet financially. I am a single parent of XXXX children, a XXXX united states veteran and can barely afford to feed my self after i pay my immediate bills. I have dealt with Navient/ XXXX XXXX in the past and they are the worst company and worst customer service you can deal with. This is the first notification that I have actually received since before i filed my bankruptcy and it tells me i am in default and my full balance is immediately due.
I 've worked for XXXX for almost 10 years now. When the public service plan was advertised I contacted XXXX XXXX to ask if I was eligible. I was told no because I 'd consolidated my loans already. So I left it at that but still participated in the IBR plan. Last year, I thought I 'd just check again. This time I was told that yes I would be eligible, but would have to transfer my loan to the government directly, and the almost 10 years of consistent repayment would be erased. Had the XXXX XXXX Rep explained that I would have to move my loan from them, I 'd be in a different situation. I feel like that information was withheld on purpose.
I checked my credit report I see this negative impact from this company which I was told is a payday loan. I have never received anything from this company. I called them and the credit bureaus and the say it is a verified debt. I never received any money from this company and have no knowledge of signing any paperwork. I was told by a representative that they have a signed contract but they will not provide it to me at all.      XXXX / XXXX / 2012  in the amount of {$610.00}
A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX
I am unaware of the accounts that are listed on my credit report. I've contacted my lawyer to investigate the issue and come to find out that the accounts aren't mine. You can't continue to accuse me or force me to accept the accounts. If I know for sure that these aren't mine please stop accusing me please seriously. Now I'm asking how did these accounts end up on my credit report without my consent, what process did you guys use to verify that these accounts are for me? I would like to know the steps you took to inaccurately and improperly placed it on my report? You are actually accusing me, breaking the laws in such ways without my consent there is no way anyone can add an account or inquiry on my credit. No one has contacted me nor did I attempt to open any accounts for more than 20 years. So we have a problem. I am an elderly citizen and I am going to make sure who ever is in on this pays the consequences including you guys. I'm not someone who uses credit at no point I'd rather use my own cash. I am going to contact the Police Department, FTC, BBB, and file a lawsuit because it seems to be a problem now days. If it's not removed I will take legal actions against each creditor.
First my credit report said I had a ( personal ) account not co-account for a leased auto from XXXX which was actually my wifes car which I signed on with her it stated that I owed {$1000.00} this was incorrect neither I nor my wife owed that amount she had since leased another auto and closed that account out I filed a dispute and was told one department didnt report to the other. Has since been removed. After which my score dropped on XXXX report. In XX/XX/XXXX my personal auto loan which I got in XX/XX/XXXX time was up and I hadnt paid it off yet due to hardships I filed bankruptcy and did not include the vehicle as I wanted to pay it off so I kept it as a reaffirmation of debt, at the time my loan was to be paid off ( ie the loan term had ended ) XXXX contacted me and offered to allow me to lower my payments so that I could pay auto loan off but befor I could do this I had to pay late fees on original account of {$170.00} they sent me forms to fill out and pay the late fees, which I paid because I couldnt enter the new agreement til old late fees were paid off I had to have the documents notarized which I did and sent them back, in XX/XX/XXXX I paid off balance of loan in the amount of {$280.00} suddenly the late fee turns up again I called them in dispute and was told it would be resolved, my XXXX   report corrected it and showed no auto loans they were paid off but my XXXX report stated that I still owed {$170.00} it also stated that a remark had been added to my report between ( XX/XX/XXXX and XX/XX/XXXX ) that there was a reaffirmation of debt which caused my score to drop .there was inXX/XX/XXXX a reaffirmation of debt when I and my wife filed a bankruptcy but this was already on my report it seems it was added again which is unjustified since the loan has been paid off my XXXX score went from XXXX to XXXX something so when it was resolved with them it went back to XXXX which I see as unfair considering it was higher that that befor mistakes now my XXXX has fell from 570 something to XXXX because of similar problems with XXXX reports. I donot owe them anymore they agreed when I spoke with them over the phone yet it still remains on my XXXX report they said theyre sending me documents which will show everything was paid off and that it was my responsibility to send them to credit agencys to correct but I have not received them I think since they admitted they were in err they should along with XXXX do something to restore my credit to where it was befor the ( ( mistakes ) ) and then adjust it as though there wasnt any ie raise it from where it was not from where it is after mistakes I can only assume that my XXXX scores are where they are because of XXXX reporting it still remains open even though its been paid off please resolve these issues so I can continue forward as you can see in the attachments XXXX has corrected the {$170.00} and no open auto accounts yet XXXX has not due to reporting from XXXX
AMEX reported me to the credit agency because my credit card was XXXX {$100.00} over the {$10000.00} credit limit. I have been am AMEX customer for twenty ( 20 ) years. I was n't late or delinquent. In fact, my card is set up for auto payment, so I thought I would never have to worry about paying or checking my statement. When I spoke to AMEX, they said that rather than deny my use of the card, when it went over my credit limit, they instead unilaterally decided to " offer me the courtesy '' of not having my charge denied. This is completely unacceptable. I would much rather have my card denied, at the credit limit set for that card, than have my credit score negatively impacted. I have other cards and other means to pay for things. I do not have any way to get my now diminished credit score back. Something is very broken at AMEX for this situation to arise. I get electronic alerts from AMEX whenever anything looks amiss with regard to fraud, etc., I 'm baffled as to why AMEX could n't have automatically sent me an email letting me know they had approved charges above my credit limit so I could pay off some of my balance. I 've NEVER been late in paying my balance in twenty years. This is totally unacceptable. I hope CFPB is able to do something about this. Thank you in advance ...
My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.
My account was sold to Nation Star Mortgage. My home equity loan was then given to XXXX XXXX. XXXX and Nation Star Mortgage are the same company. I setup and paid XXXX XXXX. Nation Star Mortgage has refused to update and change my credit report insisting the account is a charge off. This is not true. I settled with XXXX a company owned by Nation Star for less then the full amount and the account is not a charge off and has been settled for less then the full amount. It should be noted that in the event the consumer works with XXXX XXXX a company owned by Nation Star that Nation Star must then report accurate and not misleading information to the credit bureaus. Please see enclosed documents.
The pass XXXX years we have been dealing with the Lies we have been getting from Ocwen Loan Servicing, we Know are Bill of rights have been continually been violated! we have been sent a Loan Modifcation documents in the mail, and given instructions how to proceed with them .Then when we have filled out and faxed these loan doccuments as requested, Then when you are working whith them! Then Foreclosuer Action happen! So we never got a notice just at the the time we wher calling Ocwen tell us about sale date ,XX/XX/2015if you can please Help us? 
Thank you in advance, XXXX and XXXX XXXX XXXX, XXXXTo : Ocwen Loan ServicingFrom : XXXX and XXXX XXXXRe : Modification Loan Documents* * * * * * * * * * * * *Dear Sir or Madam : The attached documents are being sent via regular and certified mail to insure receipt of these vital documents. 
We feel our legal rights have continually been violated. We have been sent Loan Modification documents in the mail, and given instructions how to proceed with them. Then when we have filled out and faxed these loan documents as requested, and they are strangely not received. Then, while you are working with us to procure our modification, foreclosure action is being taken against us at the same time while in the middle of this loan modification process. This is highly unfair in reference to real estate law bill of rights. 
Please be assured that we would like to be given the opportunity to continue in the Modification process. We feel we can be successful in fulfilling a new loan contract. Please review our documents and allow XXXX days to complete without the threat of losing our home, according to the Stimulus Program that President Obama brought forward to save our home. 
Please give us your consideration, and we look forward to hearing from you as soon as possible since this is now time sensitive. 
Thank you in advance, XXXX and XXXX XXXXOriginal Sent Via CERTIFIED MAIL
on XX/XX/2017 I received mail fromTransUnion and the letter stated that 9 items was deleted. I was't notified, which is required by the FCRA, that these items will be reinserted. The original letter showing the 9 items was deleted will be in the attachment below.
Grant and Weber and XXXX XXXX XXXX have several accounts showing on my credit report after I had disputed it once and it was removed back in 2014. When I contacted Grant and Weber one week ago to inquire about the items listed on my credit report, he couldnt even provide the original amount that was owed because the XXXX XXXX   was charging me interest, is what he said. I explained that I had disputed this once before and it was removed, he was very rude, put me on a hold penalty, because I was over talking him. I asked him to provide the original creditor, he couldnt even provide it and he told me to contact them directly. I then said, how can I contact them directly if I do not have the information ( ofcourse by then, I was very upset ), he said I needed to write a letter to request information. I told him I was going to report him. Please ask to listen to our conversation as it was being audio taped. There are 4 different accounts listed by Grant and Weber and one from XXXX XXXX. I contacted the only hospitals I have attended and they do not have anything listed as being sent to the credit bureaus. This information would apply to all three credit bureaus. Please look into the matter and help!
Equifax has mishandled my information. This information includes my Name, Social Security #, Address, Birthdate, etc. resulting from a data breach in XX/XX/XXXX/XX/XX/XXXX, which they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.
SHERIFF SALE TODAY AT XXXX -Hi. I have been trying to work on a loan modification from Wells, Fargo. 
XXXX XXXX turned me down yesterday afternoon. He said he is investigating my complaints to you. He has not finished with the investigation and is still holding the sheriff sale on my home today. This is not right. XXXX people at Wells, Fargo gave me totally different answers as to why I was turned down ( XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. 
In addition, I have received letters from XXXX XXXX acknowledging my inquiry. Every time I call her, I am told that she does not take calls - " she just writes letters ''. How can a XXXX representing Wells, Fargo Home Mortgage not take calls when she writes you a letter? 
Wells, Fargo put XXXX people on my account and each one does not know what the other XXXX said to me. This is not in compliance with the bank regulators. 
Please investigate. Thank you for your help in this matter.
BB & T purchased Susquehanna Bank. They are a horrible bank. I have a checking account and a line of credit which includes a fixed loan and the line of credit with them. I tried to take XXXX from my checking account and apply it to the principal balance on my line of credit. They, on their own, decided to split the XXXX between principal and interest on the line of credit and fixed loan. I called and fought with them about fixing this. Supposedly they fixed this but since then I have been locked out of my credit line account. You can see the balance only, but NO transactions, so I have no way of knowing if anything was corrected. I have called the branch manager and the IT dept., who XXXX can not access my account. Their IT dept informed me that they are aware of the issue and it was supposed to have been fixed on XXXX XXXX, but hope now to have it fixed by XXXX XXXX. So I have NO access to my account for 2 weeks. They told me they are trying to create an entire new web site, since the old XXXX is messed up, they new one also does n't work. Meanwhile, IT IS MY MONEY AND THEY HAVE BASICALLY LOCKED ME OUT FROM VIEWING IT, AND THEREFORE USING IT. I received a monthly statement from them which shows a fee/service charge for {$57.00}. I have no idea what that is, and i can not find out about it since I am locked out. Besides that, when I called the bank to find out about the fee, they can not find it as well. They have no idea what it is, no one there seems to know anything, but they have access to all my money, but can not tell me anything. THIS IS NOT A CORNER DELI, THIS IS A BANK. This is so entirely unacceptable. I have never heard of a bank with issues like this, I feel like they have stolen my money. There should never be a time when you can not access your accounts ; I do understand that they need to update their systems from time to time. That is usually late at night for a several hour window. This is for several weeks and should be against the law.
TransUnion flagged my account with " XXXXSerious Delinquency '', when I do not have any accounts late and never had. 

Credit Report from TransUnion shows all payments paid on time and none ever late, but in spite of it my account has a " serious Delinquency '' flag.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against COMMONWEALTH. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I 've completed the proper steps, 1. notify creditors 2. police report 3XXXX informed the state of Texas. The individual I 've suspected for this theft is now XXXX, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
I 've been calling every few months to get a timetable of when the cutoff is before I get charged all the back due interest on my BARCLAYS XXXX  CREDIT CARD. They push you to go paperless and auto pay so you do n't see your bill, and then they do n't inform you that you 're about to be charged all the back due interest. I missed the day by 4 days from just randomly calling them and they charged me almost 300 in back due interest. It 's a scam to do everything to get people to not look at their bill and then not inform them that the interest date is coming up.
Ever since I did my home modification with this finance institution its been problem after problem. 
1. After settled and signed loan documents with a fixed %, the account manager called me that they made a mistake on the calculations and now they have to increase the %. At that time I accepted, I did n't know that was illegal. 
2. I shopped around for insurance, do my inspection. The escrow department decided that my house was not house and I did n't need the insurance. But, no one tell me that. I had a claim on XXXX 2015 called an adjuster, and they told me that I did n't insurance. 
I called the bank, and after many calls they handled the claim through their insurance. 
3. The insurance finally paid. I summited that an estimate from my General Contractor, they sent a check for XXXX % of the estimate. Later when the job was almost done they sent an inspector that took 3 weeks to get back to the bank to said now that I have only completed XXXX % of the work. The problem is that I lost track of many calls and emails send in order to get the result of this inspection, and now they come and say this. This is unacceptable. 
Last Thursday after many calls with them I got into a crash, XXXX. XXXX. 
This has affected me in so many ways, health, economy, etc. 
I hope you can help or help other customer. 

Regards, XXXX XXXX