WillisBack/dataset-financial-user-claim huggingface dataset:
First Financial XXXX XXXX , XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX is a collection agency purportedly attempting to collect a debt for XXXX XXXX XXXX XXXX, XXXX, address, city, and state unknown. XXXX XXXX purportedly purchased debt from XXXX XXXX, XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, UT. 

Consumer/patient was covered by a XXXX insurance policy. XXXX XXXX was contracted as a preferred provider of XXXX. Consumer/patient obtained services on or about XX/XX/XXXX from XXXX, who billed XXXX, and received reimbursement pursuant to the contract between them. In accordance with the contract, balance billing is prohibited. In correspondence to XXXX, XXXX indicated the payment and contractual allowance amounts. XXXX further indicated the patient had no responsibility for co-pays, deductibles, etc. XXXX therefore received payment in full from XXXX, in accordance with their contract. 

Notwithstanding payment in full, and instead of adjusting the remaining amount as the agreed upon contractual allowance, XXXX instead claimed the consumer/patient owed {$1500.00} and purportedly sold this debt to a different creditor, who then employed the services of the collection agency. 

On or about XX/XX/XXXX, collection agency sent consumer/patient an " Account Summary '' claiming to be acting as a collection agency on behalf of XXXX XXXX XXXX XXXX XXXX. They provide no other identifying information for XXXX XXXX. No address, no phone number. 

On or about XX/XX/XXXX, consumer/patient sent collection agency a request to provide the name and address of the current creditor, the same for the previous creditor, supporting documentation providing a valid basis for the claim, a copy of the last billing statement sent by the original creditor, proof of state license to perform debt collection within my state, and proof of state license to perform debt collection within the state they're based. 

On or about XX/XX/XXXX, collection agency responded, but failed to disclose address and phone of current creditor, failed to provide copy of last billing statement from original creditor, failed to provide proof of license to perform debt collection within my state, failed to provide proof of license to perform debt collection within the state they're based. Collection agency appeared to provide a copy of a lab order listing various charged and allowance. Collection agency provided a copy of a patient acknowledgement admission summary, with a section titled " financial arrangements ''. 

On or about XX/XX/XXXX, collection agency submitted a false and derogatory credit report to one or more credit reporting agencies. Said report was submitted less than required 30 day waiting period for consumer/patient to dispute debt. 

Consumer/patient asserts XXXX, XXXX XXXX, and First Financial breached the terms as stated in the financial arrangements section. Consumer/patient further asserts that XXXX received payment in full from XXXX, in accordance with the contract between the two parties.
I obtained loan and used car title as collateral. I purchased new vehicle unrelated and now can not get rid of original car I used as collateral because of lein. Vehicle is not operable and lender will not release title. I am now stuck with responsibility of vehicle that doesn't even run and lender is refusing to help
I recently was denied credit due to a delinquent bill. National Service Bureau is negatively reporting a collection that does not belong to me. I filed a police report with the XXXX Police Department. Identity theft report # XXXX and Report # XXXX with investigator XXXX. I was a victim of identity theft and I do n't owe this debt and I would like this item removed from my report immediately.
I have notified Discover multiple time regarding this credit card they are charging me for I did not open it its not my signature and they still continue to put it on my credit report. I am a single mother in school full time and now my credit due to this is ruined.
Chase Bank NA has me as applying for a credit card with them on XXXX XXXX, XXXX and I never applied for anything.
Every time creditors runs a credit check on me, my sister 's name, social security, as well as her credit history appears in place of mine. We have similar names and social security numbers. I have no credit whatsoever, and I am trying to build my credit but I am not able to do so until this mix up is fixed. Today, XXXXXX18, I received a credit report from Experian that belongs to my sister, but has my name and address on the report. I 've been trying to resolve this problem with Experian personnel but to no avail. I have been placed on hold for over an hour and it seems as if they are not willing to help even after I have done all they have asked from me. I have submitted colored photo copies of my social security card, drivers license, bank statements to Experian. This is very frustrating because I ca n't be added to mortgage, apply for credit card, finance on a vehicle until the mix up is fixed.
I have made several request to validate the debt and this company has failed to submit me any proof bearing my signature that this debt indeed belongs to me.
My Consumer ID number is XXXX. My name is XXXX XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX. I received my ChexSystems report and discovered that there are inquiries way over the FCRA statue of limitation exceeding the two years the law allows with the following dates XX/XX/XXXX ... XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX..XX/XX/XXXX XX/XX/XXXX..XX/XX/XXXX..including more. There are over 14 inquiries on my report in violation to the FCRA. The dates of these inquiries have exceeded the statue of limitations by law!! All these inquiries need to be removed off of my Consumer Report. In addition to this matter there is a source of information reported titled XXXX XXXX XXXX that is not related to me. This account needs to be removed. Please send me my updated current ChexSystems Consumer Report.
I received an XXXX XXXX in XX/XX/XXXX in XXXX at XXXX. After graduating from college my loans were sold to XXXX/FedLoans and consolidated. Instead of closing out the loans that I owed and then making it so I owed the consolidated amount only, my loans are now doubled and showing as over $ XXXX. I understand interest ( I have been in deferment and my interest is over $ XXXX ) but this does n't make any sense. The average graduate student owes about $ XXXX for their fedloans, I have an XXXX After doing some research, I saw there may have been a so called " payment '' made on XX/XX/XXXX of XXXX ( consolidation loan amount ), I never received this loan payment. I have reached out via email over XXXX times over the years to FedLoan Servicing and XXXX to have my file looked at, I have received nothing in response. I also called and the representative on the phone did n't even understand how I could owe so much, and supposedly sent a ticket and I have never heard anything back. I really need someone to help me out here, as I am sure I owe half of what is showing ... unless someone out there was given a degree that now I am not able to afford to get because of the status of my federal loans. 

Thank you in advance for your help in this matter.
XXXX and Equifax are showing that my past Mortgage with XXXX is showing 120 days late and a pending foreclosure. I closed on this loan several months ago and it was never late and there is not a foreclosure pending. Please contact XXXX and Equifax and XXXX. My credit score is coming up as a XXXX and this has made it drop over a hundred points. I am refinancing my other mortgage and this is how I found out. I will not be able to refinance until this has been done. These reports with XXXX, XXXX and Equifax needs to state that the past mortgage with XXXX has been paid 100 % and was never late. Also, fix and update the foreclosure warning.
I called XXXX XXXX & XXXX XXXX XXXX XXXX in XXXX XXXX, KS. I told them that I had no insurance and asked what the cost of an adjustment was and was told {$42.00}. I made an appointment, was adjusted and when I had to pay they said that I owed {$130.00}. I about cried. I paid {$65.00} at the time of the visit and fought the additional {$69.00}. It was wrong what they did! They told me that it would be sent to collections which it was. I went ahead and paid the {$69.00} just to keep it off of my credit report. They are now saying that I still owe {$76.00}. They stated that they gave me a discount at first but since I did not pay it in full right away they are charging me an ADDITIONAL charge of {$76.00}. I went in thinking that I would have to pay {$42.00}, I ended up paying a total of {$130.00} ( which they stated I owed as of XXXX 2014 ) and I have the remaining balance of {$76.00} with RSH & Associates in Kansas. This is NOT right!
I hired someone in IOWA to do work for our company. They never delivered anything. My company requested a refund. Initially he refused to issue a refund. Then agreed to a partial refund. He never made any effort to give any money back. We filed a claim with paypal who denied our disputes due to him lying and giving the false tracking number # XXXX. We then filed a chargeback through our Bank - Bank of America. The merchant has confirmed IN WRITING that they owe a refund and that they are NOT WITHOLDING our chargeback. They have agreed to refund us and say that XXXX has already WITHDRAWN THE FULL AMOUNT OF {$4600.00} from his account! All that is left is for BOA to credit my account. 

For almost 60 days now, I have made close to XXXX phone calls, spending hours on the phone with BOA who has also lied and has given us the runaround with false escalations, etc. 

First they were waiting on response from paypal ( not true ), then they claimed evidence was given ( not true ), they never sent me any paperwork, never sent me any emails, and never let me speak to so-called " investigators '' who make the actual decision. 

I have been mysteriously disconnected after waiting on hold in excess of 30 minutes multiple times. All of this, and they are supposed to be ON MY SIDE of the dispute. 

All evidence points back to BOA witholding information, dragging their feet and not showing any interest in resolving this issue. One rep told me " I do n't know why they have n't even looked at your request yet ''.
I disputed my birth date as incorrect with a copy drivers license and ssn card. This issue has not been resolved and more debt has been added to my account with the wrong information.
In XX/XX/XXXX, we filed a complaint against XXXX XXXXXXXX XXXX   because they were reporting incorrect information on our credit report. They responded to our complaint on XX/XX/XXXX, stating they were going to fix the situation. As of today ( XX/XX/XXXX ), they are still reporting the inaccurate information on our credit file.
I am trying to short sale my home. The XXXX lien holder has been on task with getting the short sale paperwork processed in a timely manner.The XXXX lien holder is not cooperating with me at all. I have submitted over XXXX documents to the XXXX lien holder and my account is not in short sale status yet. I get hung up on often, I get transferred continually and never have been given the liberty to speak with a manager that I have requested to speak with on several occasions. I have written a letter with all the details. I am now receiving collections calls from the second lien holder and being told that as far as they know I am not in short sale status. I was assigned to a short sale representative and he closed my file for no apparent reason. After the last disconnected telephone call on XX/XX/2016 with a representative, I felt compelled to get some federal assistance since I am being denied a federal program assistance ( HAAP ). You will find FAX LOG sheet that verify I have the documents requested was in fact received by the second lien holder on XXXX XXXX and XXXX XXXX 2016.
I have been getting calls again concerning my private student loans this time coming from the XXXX XXXX, Ohio office of a company called Weltman, Weinberg , & Reis Co, XXXX that kept calling me and my mother, who is a cosigner. I spoke with a representative of the company who offered an " aggressive settlement '' that would take out an excessive amount of money from my mother 's retirement to pay a part of my loans. We have been paying the regular monthly payment of the loans, but it is hard for us at this time to get out of the default on my loans until I get a better job within a year 's time hopefully after my graduation with XXXX degree XX/XX/XXXX. My mother does not need any more phone calls to give her stress because she has been to the hospital already within a year 's time, and that has contributed to her health struggles. I would like that the loan company stop calling us please. Thank you.
For many years I tried to get on some sort of Income Based payment plan with Navient ( and before them XXXX ) to begin the repayment process. Every time I asked I was placed on some sort of deferment or forbearance program ( including an administrative one they seemed to make up for me ) instead. As a result the interest continued to grow and compound at an alarming rate and is now totally out of control. I was denied any payment plan that would allow me to make payments towards relief and be done long ago with this debt, or at least a hefty chunk of it. Now I 'm unemployed and struggling with XXXX ( XXXX ) and because I 'm married and moved to a community property state Navient wants my husband to pay on these very old student loans-the bulk of which are from before we even met! This is all so very wrong and I 'm not sure what I should or can do next.
I have owned and lived in my house for 44 years and never had a problem making the mortgage payment. However, a few years ago my loan got sold to Ocwen Loan Servicing. they randomly sent out an inspector to my home in 2014 and he claimed that I had to redo my roof. Ocwen used this to try and justify cancelling out my insurance and forced me to use their insurance company, which cost way more. I could barely afford my payments when they did that, and in that same time period my wife had to have XXXX. I had a large co-pay and was not able to keep up and fell behind on the mortgage. Now Ocwen is dragging their feet and refusing to negotiate with me and pushing me into foreclosure. 

I tried on many occasions to make some progress with Ocwen to try and get them to remove their force placed insurance so I could get back to my more affordable policy but made no progress. I also tried to get Ocwen to work with me to restructure or modify my mortgage loan, but feel that I have run into a brick wall. I ended up hiring a third party to assist me with Ocwen, but after a year of providing documents over and over it feels like no progress has been made. I am semi -retired but still do electrical estimating work and my wife is receiving XXXX, so we have the means to make a fair mortgage payment. Our issue is that our mortgage company Ocwen created a problem when one did not exist and put their greed and profits ahead of the people who live in the homes they financed. My father built this home and I have lived here over 40 years. I never thought it would come to this. I just want to get back to making regular mortgage payments and put this behind me but have been unable to do so because of Ocwen 's failure to communicate and negotiate fairly.
Purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$26000.00}. 60 month loan by Chase Auto Finance. Contacted Chase at the end of the loan term for a pink slip to my car. They claimed I owed them 9 months. After several calls they claimed I owed them {$4800.00}. I was never sent any back-up. Not by email nor by mail. Not one letter. Not one phone call. I contacted them numerous times for over 12 months. I sent emails and made phone calls. There is recorded evidence of both. I was told in a recorded conversation that this loan was now a Charge-Off. And was told there was no further action needed except that I was to pay off the balance in full. I spent months trying to negotiate a payment plan. They refused any payment offers -- only if I made one payment in full. I sent emails that included proof of insurance and that I was keeping up with car repairs, oil changes, etc. I sent emails of appraisals of major work that needed to be done on the car. More then one year later I began getting harassing calls at all hours. One was threatening " You know who I am, you know what I want ''. I reported the call to Chase Auto and filed a complaint with the police department. Several calls were made to family members including not only my XXXX year old mother, but an Aunt and Uncle in another state. One day in XX/XX/XXXX they entered a private, secured and gated garage illegally ( by following another car into the garage ). They took my car. It took me two days to find the car ( according to Chase they couldn't figure out who had it ). I was never sent a notice with intent to repossess. I was never sent any notices by Chase. I was sent a notice dated XX/XX/XXXX which I did not receive until XX/XX/XXXX that they would sell my vehicle within 6 days. I owed {$4800.00} and they sold it for {$6100.00} and still they are claiming I owe them money. 
I had 4 previous XXXX XXXX leases without one issue or one problem. Only with Chase Auto was there a problem. 
I am currently forming a class-action suit for Illegal repossession + violations against debt collections act + violation of Colorado law.
I sent a certified letter on XX/XX/XXXX it was signed for on XX/XX/XXXX, requesting validation of debt owed, and my signature, or they needed to delete the debt from my credit reports. All they sent back that was dated on XX/XX/XXXX was a letter stating the debt was valid, and a statement that was dated back in XX/XX/XXXX for the Seller- XXXX XXXX   MerchantXXXX XXXX Since they also marked the account disputed and never sent me actual validation, and they can not prove this is my debt, this is a violation of the FCRA & FDCPA, so they must delete it.
I made payments totaling to another collection agency called XXXX XXXX XXXX that had the debt I paid this account in full I have my receipts they did not want to accept the receipts and said I have to pay again this not cool at all I received a call from this collection called a Midwest recovery systems trying to collect on the same loan that has been paid
On XXXX XXXX, 2015 Synchrony Bank/ Walmart contacted me to pay on a debt. I was told to pay XXXX over the phone, so my account would not be sold to collections, so I gave them my check account number to take XXXX And they did. Then I received a letter stating that my account was sold to XXXX XXXX on XXXX/XXXX/2015 Now Synchony Bank has no record of the transaction that was taken from my bank account. And my balance with XXXX XXXX does not reflect on my account. However my checking account shows that the XXXX dollars was taken by Synchony Bank before the account was sold to XXXX credit on XXXX/XXXX/2015. My complaint is that the money was never posted on my account, but yet it was cashed.
I contacted my Navient about their temporary interest reduction plan. The representative took my information and told me I was approved for a rate reduction from 11 % and 13 % to 5 % and would need to make XXXX lower qualifying payments before being enrolled in the program for 12 additional months at the lower payment amount. After I made the XXXX qualifying payment, I received a notice saying I had an outstanding balance for the difference between my old payment and the reduced payment amount, which was all interest. At that time, I contacted the same representative and she told me not to worry, that once the XXXX qualifying payments were made my account would be placed in forbearance during the qualifying payment period and that late fees would be taken out and the outstanding interest would not be capitalized because the lower interest rate would be applied retroactively through the qualifying period. I contacted Navient again after the XXXX qualifying payments were made to inquire about the late fees and outstanding amount showing up on my account and I was then told that I had actually not been approved for the reduced interest program. I asked why I had not been contacted and was told that they did n't know and that I should have been told I was not approved the program. After some back and forth and requesting to speak to the previous representative and to a supervisor, I was told I would be approved for the program as a courtesy and that the late fees would be take out because I had not been previously informed that I was not approved for the program. But now I would have to make XXXX new qualifying payments and the outstanding interest would still be capitalized for the previous XXXX qualifying payments and for the new XXXX qualifying payments. As such I will now be responsible for the difference between my old interest and reduced interest for 6 months or the amount will be capitalized. Had I known this I would have made the higher payments during the 3 months I was told I was making qualifying payments.
I have been a customer of Bank of America for over XXXX years and have not had any late payments, but they reported XXXX XXXX day late payments to the credit agencies. I have stellar credit and have always sent my payments out prior to them being XXXX days late.
I have reported to ALLY numerous times concerning false information. ALLY has failed to provide proof of the information they are reporting as a debt
I paid a XXXX bill XXXX of {$200.00}. I lost my receipt. I went back to the XXXX office here in XXXX and was told they could not give me a copy of what I had paid. The bill is still showing as not being paid on my credit report. The debt is listed as being in XXXX account number XXXX.Tthey are telling me I have not paid this debt.
I have fraud alert on my Chase Visa card, which I appreciate, but I DO N'T appreciate how they use it! I made a credit card purchase from an overseas internet vendor -- whom I have used before and who I know is reliable. Instead of just alerting me that this purchase looked suspicious and asking me if it was valid, Chase DECLINED the transaction -- even when I verified that it was legitimate. This put the burden on me to re-contact the vendor and start all over again!!! Also, it delayed the shipment of time-sensitive items. Obviously Chase did n't want to be exposed to fraudulent charges so instead of just putting a hold on the transaction until they verified whether it was legit, they declined it, making more work for me. NO OTHER credit card company I do business with uses this procedure.
My debit card was hacked on Monday XX/XX/XXXX after receiving a Direct Deposit of my student loan refund. 

Received a text from American Express Serve asking if I had tried to make a purchase for over {$500.00} at a XXXX 's in Florida. I responded no. ( I live in Maryland ) Called American Express Serve no less than 4 times to have card locked. Card was never locked. 

XXXX more purchases near that same amount occurred in rapid succession. 

Serve finally closed my account that afternoon but after the loss of {$2000.00}. 

Asked me questions as if I had made the purchases. Promised an email that I had to return within 10 days or no provisional credit. 

Have yet to send email to me. 

Credited the four {$500.00} purchases on XX/XX/XXXX but still deducted {$2000.00} from my account. I have 4 refunds but they have not credited my account. How does that happen? 

Called them and was disconnected on purpose when no one could answer my questions. I am supposed to call back tomorrow. Explained to them that the money is my student loan, it is federal money, and I will owe interest on that money. They needed to fix this. They hung up. 

I have a Police Report Number XXXX taken by Officer XXXX badge number XXXX.