WillisBack/dataset-financial-user-claim huggingface dataset:
I had went to the XXXX  XXXX  hospital  on XX/XX/2016 and I was fully insured with XXXX XXXX XXXX XXXX. Due to faultiness on Hospital end they did not bill my insurance correctly and thought I owed them money. Once I brought it to their attention that I did not owe them any money and that I was fully covered they then fixed their error and gave me a statement along with Phoenix Financial Services showing that I have a XXXX balance because I never owed anything. The director has also reached out to them with no luck to get them to stop trying to collect a debt that is not owed. The origninal Creditor name is XXXX XXXX XXXX  and the reference number is XXXX. They have been calling me non stop making very threatening calls and will not understand that both me and the director of the hospital has spoke with them and told them this bill is not owed and they need to cease and desist billing me.
XXXX XXXX : You are an incompetent apparatchik, and as culpable as XXXX XXXX and XXXX XXXX. I wonder if you have been bribed by Equifax, XXXX, and XXXX to ignore their sloppy security. Perhaps you will now walk through the revolving door opening on XXXX XXXX. I hope your personal information was stolen along with everyone else. 

The CFPB, one of the funnier oxymorons, should be privatized. 

XXXX XXXX XXXX, XXXX XXXX, TX
On Bank of America I put two " Stop Payments '' on my checking account ending in XXXX on XX/XX/XXXX. One was for " XXXX XXXX '' and the second was for " XXXX XXXX XXXX '' ( these are really the same company, they changed names ). I also put a " hold '' on this account so money could be deposited but none could be withdrawn and I transferred all funds except {$1.00} to my other checking account ending in XXXX. <P/>The check # XXXX was changed to a " Check Conversion Voucher '' and honored on XX/XX/XXXX. The bank used my overdraft protection and took the funds from my savings account in the amount of {$490.00}. <P/>I received two Stop Payment Request Letters from Bank of America dated XX/XX/XXXX. I am sending the one copy, however, I accidentally shredded the one for XXXX XXXX XXXX and the bank said they could not send a copy because this is an automatic letter when stop payment is requested.
Account Number # XXXX. 

Dear Original Creditor : I know that you must receive an overwhelming amount of mail so I will try to keep this letter as brief as possible and to the point. During XX/XX/XXXX to XX/XX/2014, I possessed student loans with your company that right now is up to date and subsequently been refinanced through another loan servicer. Unfortunately, I do have late payments that are showing from over two ( 2 ) years ago and I am writing to request if there is a way to have this information revised. 

At the time of these late payments I was unemployed and struggling to find gainful employment to make ends meet for my family. Furthermore, the student loans with your company had been in unemployment deferment however due to my own negligence I did not management the process of keeping up with when the deferment ended XX/XX/2014. I take complete ownership for the 120 days that the loans were late and have worked hard not to allow any of my loans to be late again. While these past events of being unemployed does not constitute payments being made to the applicable NELNET loans, this event did result in me falling behind in my bills. 

I am currently working on rebuilding my credit and in doing so have learned just how essential organizational and financial management principles are. I am in a considerably better situation today and take full responsibility for my actions long ago. I am asking for a measure of goodwill to delete the negatives off my credit report with all XXXX bureaus. I understand that you are under no legal obligation to respond to my letter, but this act of goodwill would not only help my credit repair tremendously but also afford me great opportunities in the near hopeful future. 

With this gesture of goodwill NELNET will forever have my gratitude. I thank you for your consideration in reviewing this matter and taking the time to read this letter. 

Respectfully, XXXX XXXX
In XX/XX/2018, I called Sears for repair on the windows that I had purchased with a lifetime warranty. A technician came out to assess the repair needed o the windows, at that time I paid {$100.00} for their first house call and then later in XX/XX/2018 they e-mailed me to pay an additional {$150.00} to order the repair parts for the windows. In XX/XX/2018, a technician came out again, he didn't have the part to fix the windows and that he would be back, now the end of XX/XX/2018 and he has not returned. I have called several times to include today XX/XX/2018. I was not hold and then transferred to another customer service clerk, which never answered. I can not open my window since XX/XX/2018. Can someone please contact me to get this issue resolved? I m an XXXX yr old woman and {$250.00} with no repair or results.
I had a Second loan on my house from Bank of the West and was forced to short sell it after a divorce. 
My credit report says that I claimed Bankruptcy when I did not. I did file but dismissed it before the short sale. 
My first lender did not put Bankruptcy on my Credit Report but listed as dismissed.
Case number XXXX, i returned item via XXXX XXXX Shipping Label Tracking : XXXX, the return was delivered on XXXX/XXXX/XXXX however i never got refund. I contacted and faxed all info to Chase twice, however they are not working on it.
I. Bought phone from amazonI return the phone backUsing the Seller return packageThe seller denied the package 3 time according to XXXXThe package get lost afterChase bank dispute dept. Send me a laterTelling me I have to bay for itWhen I call a lady her name is XXXX told me that they did n't see the tracking number and they just find out they report this to the credit agancy calming that I 'm responsible for the amountNow almost 2 month trying with thisAll I get is we going to give a call backMy supervisor would like to inform youMy name. XXXX XXXX XXXXXXXXXXXX
I paid the XXXX XXXX, the account number on my credit report is XXXX directly to XXXX XXXX, account number XXXX, in the amount of {$1100.00}. I am not sure why this account is still on my credit report
I have tried three time to clear this up in writing and over the phone with Equifax they have me as the owner of a XXXX XXXX XXXX  credit card which belongs to my girl friend and had me as an authorized user without my permission I was taken off and XXXX XXXXXXXX XXXX did remove as did XXXX however for some reason Equifax refuses to do so even with letter from the credit card company
Ok ... I signed up for Experian credit monitoring. I noticed there are 2 addresses that do not belong to me and I don't know the people who live there. I filed a dispute. They denied it. At the same time I noticed 3 negative accounts on my credit report. All 3 accounts are the same account! I filed a dispute. Of course denied. Today XX/XX/XXXX I called Experian and spoke with XXXX with XXXX XXXX. He refused to even assist me with these errors. He told me I needed to find out why they were on my report. THAT IS WHY I CALLED THEM WAS TO FIND OUT WHY THEY HAVE INCORRECT INFO ON MY ACCOUNT! Then He tells me to call XXXX  and XXXX to find out why the info is on my reports .... WHY WOULD I CALL THOSE CREDIT BUREAUS AND THEY DON'T HAVE THE MISTAKES ON MY REPORT????? Nothing he said made sense. I want these errors corrected!!!
My TransUnion credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, TransUnion reports the following information that does not belong to me : 1- XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, {$940.00} 2- XXXX, XXXX/XXXX/XXXX, {$0.00} 3- XXXX XXXX, XXXX/XXXX/XXXX , {$110.00} 4- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 5- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$8500.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1900.00} 8- XXXX, XXXX/XXXX/XXXX, {$89000.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$110.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$3500.00} 11- XXXX, XXXX/XXXX/XXXX, {$4000.00} 12- XXXX, XXXX/XXXX/XXXX, {$350.00} 13- XXXX, XXXX/XXXX/XXXX 14- Judiciary PG Court, XXXX/XXXX/XXXX, {$170.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$420.00} 16- XXXX, XXXX/XXXX/XXXX, {$590.00} Please remove these items
I received a letter and on XXXX XXXX I guess the XXXX XXXX left it on my door.I do n't have a job to make payments or do payment arrangements to send on this Credit Card and it s a old bill.
I was approved for a trial loan modification payment plan and informed by letter dated XX/XX/2016 from Nationstar Mortgage. On XX/XX/2016, 30 days before that, my loss mitigation application was complete. 
I had received and responded to a letter dated XX/XX/2016, and by XX/XX/2016, had received no further notices of incomplete file. Nation- star filed a judgment of foreclosure against me on XX/XX/XXXX, and the Foreclosure Commissioner contacted me after my trial payment plan was approved and wanted to start setting dates for open houses ahead of a foreclosure sale he was planning. By that time I had paid XXXX of the XXXX trial payments, but Nationstar would not stay the judgment. Today, I have authorized the XX/XX/XXXX ACH payment for my XXXX trial payment, and Nationstar is refusing to stop the foreclosure on my home. The Commissioner has the authority to take possession of my home and has agreed only to postpone for 90 days the publication of open houses and setting the sale date for the foreclosure auction on my home. Nationstar is proceeding against me, even though it has taken XXXX payments and is preauthorized to take a XXXX. The commissioner is XXXX XXXX, Attorney at Law on XXXX, and the attorney refusing to petition the court to stay the judgment is XXXX XXXX of XXXX Hawaii XXXX. XXXX XXXX has stated he will not agree to stay the judgment, and Nationstar will not authorize its Attorney XXXX XXXX to petition the court to stay this judgment, so XXXX XXXX continues to accrue fees and costs. I am worried because Nationstar is still in a position to take my home from me if the Commissioner chooses to take possession, change the locks, and store my personal property, because Nationstar 's court order allows him to do this, and the Commissioner has refused to agree to any stipulation other than simple postponing setting the sale date. He can take my house at will, and this is Nationstar 's responsibility. The judgment should never have been filed, because I had a complete file at Nationstar when Nationstar filed its judgment against me.
These lying thieving crooks at Ocwen has crosssed the line ; but on second thought, I do n't think it is Ocwen. Ocwen 's Attorney, XXXX XXXX filed provided false information of ownership to a company called XXXX, and they broke into my home ; broke my door ; ripped up my carpet ; and tried to have my utilites transferred to their name. They told XXXX that they filed foreclosure ; aka stole the home on XX/XX/XXXX ; but the attached letter from Ocwen 's Ombudsman said that they would have a written response by XX/XX/XXXX. These guys are a joke ; that is no longer funny. We filed a Police Report ; and they are filing charges of Theft By Conversion. Ocwen 's Attorneys XXXX XXXX hope that we go to Civil Court to resolve it ; but we are NOT. That ' s just billable hours in front of a clueless Judge who is part of the problem. The Punitive Damages will come later in a Federal Court ; after the criminal issue. We are working with Law Enforcement ; both local and Federal ; and at the right time will get an Investigative Reporter involved to expose all of this mess. We are also contacting our Congressman and Attorney General. As Veterans, we are tired of hearing thank you for your service ; and continously going thru this known crime. This Company, Ocwen that has been sued AGAIN for Theft Of Homes, aka Illegal Foreclosures ; and has been banned by 25 States need to be shut down ; so If they want to thank us for our Service, then hold these crooks accountable.
Upon checking my credit report I noticed unauthorized inquries. One being from XXXX who pulled my report on behalf of XXXX XXXX XXXX XXXX. I did not authorize this inquiry which is a violation on the FCRA.
XXXX XXXX XXXX XXXX and Hunter Warfield Collections has added a collections account to my credit of over XXXX dollars for a lease that I had at XXXX XXXX XXXX XXXX in XXXX, Fl. I do not owe this amount of money as my lease was up. I started out renting from another company and in the middle of my lease it was swithched to XXXX. I paid a really big deposit that I did not get back. This debt was removed by all credit bureas in early 2016 when I disputed it. About four months later it was re-inserted by XXXX and XXXX. XXXX did not re-insert. I was was given no expalnation of how or why this could be reinserted by the same collection agency. These companies have ruined my life and I have been homeless because of this.
I recently reported    XXXX   XXXX   XXXX    to all  XXXX  major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent   XXXX    trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer  XXXX  over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.    XXXX   XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER LENDER LOAN SERVICER OPERATION SEEKING THE  MAX  DAMAGES. I ASK THAT ALL   XXXX   MAJOR CREDIT REPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
I have received a recorded message call saying " This is a confidential call for XXXX XXXX if you are not XXXX XXXX hang up ''. Well I am XXXX XXXX so I stay on the line and it tells me I owe {$650.00} with several different payment plans and a zip code. 
The only problem is I owe no one. My credit score is over 800 and I don't live in that zip code. I think this is a scam but am not sure so I am reporting it to as many departments as I can, like the no call list. I know that collectors can call debtors but since I am not he debtor that puts them in violation. This is not the first so called company to call me. I have been called a liar and several other names trying to get my phone off different list which is why I am not calling them. I have them asking me my SS number which only makes it sound more like a scam would you give your SS number out to some stranger that calls you on the phone?
I have been a discover credit card holder since 2006. During my entire membership with Discover, I was never late with payments, always stayed under my credit line, and never charged my credit card for any purposes other than making a legitimate purchase. Also, my credit score is always kept in a good standing. 

In last month, without any notice in advance, Discover closed my account and thereby wiped out my long credit history associated with Discover card. I contacted the company and demanded for an explanation. However, the only answer I got is " we are no longer able to meet your servicing needs ''. In the meantime, my cashback rewards of {$330.00} was wiped to XXXX. I called Discover again and asked about the cashback, and I was told it will be added to the remain balance and returned as a check. However, after 5 weeks, I still have n't received any check regarding the cashback reward. 

Upon the discussion I learned from the internet, it seems the closing was targeted at a large number of cardholders with a particular racial and ethnic background without a just ground. Thus, I respectfully urge the CFPB to take this matter seriously and to look into this case. We consumers are powerless to protect ourselves from discriminatory actions like this. But if the closing was indeed motivated by racial bias, the company 's action has to be put to an end. Thank you for your time and consideration.
I've tried to reduce my monthly payments based on my income. I have yet to get an answer and it has been over 30 days. I have submitted all the documents and applied for the reduction twice. However, every day I get at least two or three emails demanding that I make a payment.
credit report say 's that I lived at XXXX, XXXX XXXX, XXXX. pa XXXX well that is wrong, I never lived at this address..
I have a foreclosure sale date for XXXX XXXX, 2015, My lender Wells Fargo Bank received myloan Modification package on XXXX XXXX, 2015. On XXXX/XXXX/2015 I called Wells Fargo about the status of my application because they had not contacted me. The representative stated they had received the package on XX/XX/XXXX, according to my fax submission sheet which clearly states XX/XX/XXXX and I have a fax receipt. Wells Fargo then requested another utility bill which was reoccurring monthly, they had previously received my light bill ( see attached ) Wells Fargo also requested a letter of explanation regarding my reimbursement expenses claim ( see attached ) they also requested that n/a be placed in the box which was missed on page XXXX. All of the requested items were sent to Wells Fargo, on XX/XX/XXXX, XXXX, & XX/XX/XXXX. Wells Fargo then called me back and requested information that was listed on the RMA, what I pay in gas, food, insurance etc. this is a direct violation of the court order of Class Representatives Motion to Enforce Settlement Agreement XXXX where the court ruled in favor of the Plaintiffs that Wells Fargo 's Income Screening is Inconsistent with HAMP and ordered them to stop said practice. I have never received a loan modification from Wells Fargo Bank, when I lost my job I was given a forbearance agreement where I paid a portion of my mortgage payment. Wells Fargo is not cooperating in my efforts to save my home in fact, they are requesting additional information that they already have or which is not germane in making a decision regarding my loan modification.
Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a   negative on my credit profile.
1st req  uest sent certified mail  XXXX / XXXX / 17  ; response was " verified  '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original creditors documentation to verify if this information is mine and is correct.     * These negative records are also listed on my report as duplicate recor ds (   XXXX   times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.
TransUnion removed all of my inquiry 's and put them back without notifying me about this. I called TransUnion and was told that they did n't have a glitch   XXXX   XXXX   had a glitch. Hung up the phone called back and talked to someone else and was told they had a glitch. I was hoping TransUnion would take responsibility for there mistake but they did n't.
I tried to put a freeze on my credit.I do n't want ANY loan or credit issued in my name for any reason.I could not get it done.I called XXXX and XXXX, they were great, they got it done.Now we get to the problem Experian, These clowns need to get into the 21rst century.You can not reach anyone by phone or email.If these XXXX think I am goingn to send ALL my info by mail, in one envelope, They need to get in step with the industry stars.They need to read the definition of customer service.And Snail Mail is not service or SAFE.How can I rectify this roadblock.XXXX
BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.
Capital One is saying I owe them {$1900.00} from a credit card that was opened on XX/XX/XXXX account # XXXX We are in the process of litigation because they can not provide verification of debt. While printed out my credit report needed for court on the XX/XX/XXXX, I noticed Capital One had created another entry on my report bearing the same account number, but was opened in XX/XX/XXXX for the sum of {$1600.00} and had been closed due to serious delinquency. This did not happen.. And on XX/XX/XXXX, Capital One sold this same debt of {$1600.00} to XXXX XXXX..
US Bank uses a very deceptive way of determining when overdraft fees will be charged or not. The app and website will indicate that your balance is a positive value because certain charges have n't posted or cleared fully. The bank will allow you to continue using your card, even if you have the overdraft protection feature in place to prevent this from happening. Then, out of the blue your account will have a negative balance. US Bank 's policy is that if your account is negative, you have until XXXX that evening to replenish the account back to a positive value to avoid the overdraft fee. However if the account became negative on a date in the past, and it is n't reflected on your account balance until 4 days later, that does n't actually allow you to replenish your account back to above XXXX, because it will use the date the account was charged, rather than the date the account appeared negative on your account website. This is a very deceptive because you will think your account has a positive balance, then out of the blue one day it will be negative, so when you try to replenish it or make a transfer from another account within the business day, it wo n't count because it actually went negative days before without you knowing. This problematic strategy also comes unfairly into play for checks clearing. Per US Bank policy, you have until XXXX of that night to replenish a negative balance to avoid an overdraft. That means if a check is cashed from your account at XXXX XXXX, you have five minutes to issue a transfer or replenish your account to avoid the overdraft fee. If the check is cashed at XXXX XXXX, you have the entire day to accomplish the same task. How am I to know that US bank does n't even post check until late in the evening to purposefully incur charges that its customers wouldnt see if they were asleep, for instance because the account was brought below XXXX late in the night but right before XXXX. Extremely unfair