WillisBack/dataset-financial-user-claim huggingface dataset:
I fought this medical debt over a emergency XXXX w/my insurance for 2 years, it is now paid in full by me, but there are several things wrong in the details. 1. This account was NEVER verified EVER with me, I asked for it via dispute XXXX times & received canned response that it was.they claim calling and inquiring about it counts as verification.2.delinquent date is listed as XXXX, WHEN I was still in the hosp I was already delinquent? 3. terms are listed as 1 month? there was no terms.4.It lists a high balance for credit limit, being a medical bill there was no credit limit.XXXX.all kinds of extra comments listed,XXXX of the credit agencies even list it as a charge off/repossession, a much worse listing than medical debt.5.All XXXX credit agencies have different dates of first reporting.6. was threatened by XXXX XXXX XXXX after paying the debt that if i contested it further there would be trouble for me, and in fact updated the info on full payment so it now looks like a fresh debt, causing max damage to my scores. 

I would like to know how you can be treated for an unexpected medical bill the same as someone who say runs up a credit card, or defaults on a car note. My other XXXX bills/trade-lines are paid, always are. But because I was sick and needed help that XXXX time I should be punished after the fact, and for XXXX more years as well? ( Until 2019 ) In FACT it will cause it to update & cause my score to drop further. Why should a minor medical bill make me unable to have a home loan? How this is fair is not the question, it should be how this is legal is what I want to know. Where is the incentive to get people to pay their bills if they will still be punished regardless of it?
Macy 's department Store Card did not forward statements to new address and after 3 months only notifications was from collection company. As soon as notice was recieved full balance was paid off ( {$300.00} ). Macy is unwilling to remove derogatory mark from credit and believe their policy for not forwarding statement leads to late payments etc. Currently, my credit score dropped XXXX points and assuming most of it is due to Macy 's. I 'm unable to get mortgage due to their lack of customer service and compliance with USPS.
Midland 's Attorney did present actual evidence from the original creditor. And Midland is relying on their own custodian of records. I am a XXXX XXXX on Social Security and Midland is threatened to take my money. I am destitute with no assets, and not even sure of the debt.
I received a call today XXXX XXXX, 2016 from Transworld Systems , Inc from agent XXXX XXXX claiming I have XXXX outstanding Federal Student loans in their office and I must set up a payment plan with them. I explained to him that the only XXXX federal student loans I have outstanding are with NAVIENT and I am currently making payments to them on a monthly basis. The agent stated that I may be right about giving payments to XXXX but that I still have XXXX other Federal Student loans delinquent in their office. I am very confused about this and it concerns me, as it is not reporting on my credit report. The only student loan reporting on my credit is from XXXX. I would like to receive some assistance to get to the bottom of this, as this may be a fraudulent claim.
I had a contract with XXXX advertising for my XXXX career. I cancelled the contract and followed the contract to the letter. Supervisors and everyone at Citibank that I had spoken with agreed that I followed the contract. However, they stated since XXXX 2016 that they are still reviewing my case after XXXX only gave me a partial refund. They shorted me some XXXX+ dollars. I continue to ask the dispute supervisors at CITIBANK that since they agree that I followed the contract, why was my money being held captive. They stated something to the fact that they have to wait to hear from XXXX about refunding my money. This is unacceptable and I have been charged interest fees and more.
I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.
Last XX/XX/XXXX, I called XXXX XXXX to inquire about the due date of my payment. The agent who answered my call told me that I was pre-approved to get a XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and/or XXXX XXXXXXXX XXXX. I told him that I already have a card and it might affect my credit report and credit score if I get another card. He informed me that I can get as any additional card from XXXX XXXX without affecting my credit report, since " they are all in the same family '' ( these are his exact words ). I said, okay as long as it will not affect my credit report and credit score. The agent then applied 3 cards, XXXX, XXXX  and XXXX. While checking my inbox on my email, I got credit alert from XXXX  on XX/XX/XXXX stating that XXXX XXXX pulled my credit report and my credit score decreased by 2 points. Again, I received credit alerts on XX/XX/XXXX stating that XXXX XXXX pulled my credit report from Transunion and XXXX. Another report was pulled from XXXX on XX/XX/XXXX and my XXXX XXXX dropped by 9 points. A total of 4 credit reports were taken from the 3 credit bureaus ( 2 from XXXX and 1 report each from TransUnion and XXXX  ). How can XXXX XXXX do this? I called XXXX XXXX right away to inform them about what happened to me. I was misled and made to believe that XXXX XXXX would not do a hard inquiry on my credit report. I was deceived and tricked into agreeing to apply for additional credit cards. On XX/XX/XXXX and XXXX, XXXX, I received two letters from XXXX XXXX stating that the XXXX credit bureaus have been instructed to cancel the credit inquiry. XXXX removed the XXXX XXXX XXXX XXXX XXXX, while TransUnion and XXXX still continues to have the credit inquiry of XXXX XXXX in my credit report. I sent letters to TransUnion, XXXX and XXXX XXXX to remove and suppress the credit inquiry, but have been unsuccessful. XXXX XXXX sent me another letter dated XX/XX/XXXX. It stated that they are unable to comply with my request to suppress the inquiry in my credit report. That, under the Fair Credit Reporting Act, they have permissible purpose to order and review my credit report when application was submitted. Again, I sent a letter to XXXX XXXX including the conflicting letters I received from them. I feel cheated, taken advantage of and treated unfairly. I am asking for the Consumer Financial Protection Bureau 's help and intervention to solve my problem, since the hard inquiries have given a negative impact on my credit report. Thank you!
Medical information being shared without a Hippo signature I would like a sign copy showing my signature on the debt in question. I would like to see a sign hippo that give anyone but the medical facility the right to shared with any out side agency a medical problem that may are may not occurred. XXXX XXXX XXXX opened date XX/XX/2014 amount {$1000.00} If no Hippo signature giving XXXX XXXX XXXX the right to any of my Medical information are sign statement I ask that they remove not to be reported the law state that any thing about one Medical history should not be shared without hippo approver to the person that share the information without a {$1000.00} fine est.
I Have proof that the debt was sitteled and full I paid via there collection XXXX party but they will not remove/update to show this debt paid in full. I settled this debt in good fait and attached documentation to this fact. my emails and not answered. 

The settlement via there XXXX party total card services was $ XXXX was paid
Have been called twice daily for a week after my wife and I both have told them not to call us in an attempt to collect. Last call at XXXX XXXX/XXXX/06. Started on caller ID as First Credit Services, now they are " unavailable '' on caller ID. number used are XXXX, XXXX
XXXX XXXX you do not address any of the other issues as online access. As well I am happy to print out copies of phone calls to show you how many times I have called XXXX as well we can set up a meeting so I can play you every recording of voicemails to XXXX and any voicemails he left me. The vagueness of your responses is ridiculous. The other item is who is doing your loan Mods and decided I had I had excessive obligations. That is funny because I do have XXXX to pay and I do not agree with all of so called fees you are trying to charge on top of that. As soon as I was going to pay your Reinstatement and I told you in writing I appealed my loan mod denial on XXXX/XXXX/16 I received on XXXX/XXXX/16 that my paperwork was received. Instead of letting me reinstate by XX/XX/XXXX BSI violated CHBOR by dual tracking and not looking and sending out anything on my appeal. I sent my appeal within 27 days and BSI never sent out anything on denying my appeal or having someone else look at it or requesting any other info. XXXX XXXX also have email I sent him on XXXX/XXXX/16 requesting that I was appealing as well as voicemail that day. Instead you had a company and use incorrect information violated CA laws of dual tracking and filed an NOD on XXXX/XXXX/16 which I was notified about on XXXX/XXXX/16. I will be paying what is owed on back payments of mortgage but I will not be paying your fees that you are trying to charge. Nor can you foreclose due to your fees which I am disputing in the excess of XXXX!!! I will take that to court and as I stated have a lawyer and all the proof I need on these violations so BSI will be paying for their violations as well as your XXXX falsely trying to foreclose on CA homes and then flipping houses is entirely unethical and will be proven
I have had a credit card with Macy 's for years. Unfortunately, XX/XX/XXXX, I did n't receive my statement. I received a statement XX/XX/XXXX and I paid it immediately XX/XX/XXXX, but the following month Inoticed I had late payment on my credit report. I feel this late payment is unfair due to nonreceipt of statemen. I have had this account since XX/XX/XXXX and have no other late payments except for this one. I have been trying to get Macy 's Card Services to correct this predatory act for almost 2 years to no avail.
I went to XXXX XXXX XXXX on XX/XX/XXXX. The amount I was required to pay was XXXX XXXX dollars for my co-pay, which was paid in full. XX/XX/XXXX I received a bill from XXXX XXXX for XXXX XXXX XXXX dollars. I spoke to the manager who told me to talk to my insurance company. I spoke to billing who said I was only suppose to pay the co-pay. She also emailed me a copy of the explanation of benefits ( which is included ). XXXX XXXX XXXX reported the erroneous information to the credit bureau, which dropped my scores.
I have many XXXX credit cards that have been opened since my bankruptcy in XX/XX/XXXX. I have NEVER even been 30 days late on a payment with any of my cards. I went through a divorce in XX/XX/XXXX and my credit was affected, however I have worked hard to reestablish credit. I have been responsible and have always paid on time. XXXX for what ever reason has decided to lower my credit lines and even close some of my accounts. The reason given on the letters is bankruptcy and high balance. My high usuage is reflected as a result of them lowering my available credit for no reason other than because they felt they can. My bankruptcy was in XX/XX/XXXX which was prior to all of my XXXX accounts even being opened and as I said I have never been late on any payments. I do not feel it is best practices to randomly lower my credit lines when I am paying all of my accounts on time and no new purchases were being attempted. This has caused my dti to go higher and my credit score to continue to drop as a result. It should not be legal to lower an established credit line because of information reporting on my credit bureau that was reporting when the account was opened and given credit line increases.
i just recently looked on my credit report and seen a whole bunch of loans and accounts oppened in my name with out my permission and knowledge of it, one back in XX/XX/XXXX i was actually in XXXX at the time and get out XX/XX/XXXX another one in XX/XX/XXXX that i didnt know about i knew about only one thing which was a light bill that i helped my step father out with
On VA Lender last response on XX/XX/XXXX through CFPB portal it stated that VA Loan modification was completed on XX/XX/XXXX and it was with the lender underwriter investors for review.
Is going over 60 days and I have n't receive the VA Loan modification Approval in making my mortgage affordable.
I like to receive the VA Loan modification documents immediately by XXXX XXXX so I can review, and sign and sent back by XXXX XXXX.
Also make the affordable VA Loan Mortgage starting XX/XX/XXXX.
I am XXXX XXXX and Retired.
Very Urgent Matters!
On XX/XX/2018 I submitted a request for validation and verification of dismissed bankruptcy reporting on my credit report from TransUnion LLC. It came back as verified by the court and reporting that the court is the furnisher of the information. This investigation was completed on XX/XX/2018. On XX/XX/2018 I contacted TransUnion asking who or what entity verified this information, I was advised that the information was verified by a 2nd and or 3rd party. I notified them that with my original request I had included a letter from the court in question that states they do not verify, validate or report any information to CRAs or any other furnishers. When I asked for the source to whom performed this verification / validation, I was told they do not disclose that information and that they are not obligated to do so. This in its self is a clear violation of FCRA 611 ( 15 U.S.C. 1681I ) ( b ) ( iii ), ( v ). I  further bring notice of the request for verification and or validation requested not only the verification and validation, but also the process and or systems used, any furnishers, persons and or entities used in collection of data and or information in regards to this dispute. This refusal to provide the requested information is a violation under the FCRA 611 ( 15 U.S.C. 1681i ) ( 6 ) ( b ) ( iii ) ( 7 ), FCRA 616 ( 15 U.S.C. 1681n ) and or FCRA 617 ( 15 U.S.C. 1681o ). Under FCRA 609 ( 15 U.S.C. 1681g ) ( 2 ) I will enact my rights to file a suit with the district court in my region
The credit bureaus XXXX  and Equifax have failed to remove items that have been disputed as being past the 7 year statutory time limit for reporting negative items according to the FCRA. These items have been disputed multiple times and the bureaus never address the actual issue that I stipulate as not meeting the FCRA Requirements and that the accounts are too old to be listed. Upon completion of their dispute they only verify that the account information is correct and simply call it resolved, which is in violation of the law. 

The two accounts in question are the following : XXXX  XXXX Partial Account Number : XXXX Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years. 

XXXX XXXX XXXX XXXX Credit Card Account with no Account Number Listed Date Opened : XX/XX/2010 Contains negative information and should only be listed for 7 years.
I was turned into collections by Credit Management CO acct # XXXX for a medical bill at XXXX Hospital. I have never visited XXXX Hospital before. The account is not in my name or birthday but it is my SSN. I can supply them with my Social Security Card to verify it is not me but I ca n't get this taken off of my credit report. My credit score has dropped XXXX points because of this fraudulent bill.
I mail a payment to Capital One every month, I use a USPS TRACKING NUMBER to trace the package. Every month, the payment take 5-7 days to post AFTER the payment has been received by Capital One. Attempts to communicate with Capital One as to WHY it takes so long to post a payment ( and as such potentially creating late fees ) have resulted in Capital One blaming me stating I 'm not including a copy of the statement with the payment. This is just a flat out lie as each month a statement is mailed with the check to insure proper crediting of the account. I 've had to call multiple times to track down the payment and insure that it is actually posted to the account in a timely manner.
I mistakenly deposit money from XXXX to my old Chase Business banking account. Because, I had accrued a debt they kept my money and re-instated me a check under the name of my old business. 
I was told that the Chase branch would cash my check. When going to the branches, they have made it very clear that they don't cash businesses checks. 
When I call the Chase Business customer service, they aren't able to find a solution for me and state that they can't send me a check under my name. 
No one is willing to work with me and I have money that I am unable to cash. 

I can't find a solution.
Most of this debts are very old and should have been deleted long time ago but a debt that on my credit report from XXXX XXXX is not true and I ask the C E O starting back from XX/XX/XXXX until present I spoke to several different agents but on my last call which was on XXXX / XXXX XXXX with C E O XXXX XXXX XXXX stated since no one contact me back from last conversation with the C E O rep name XXXX who stated she would investigate info and get back with me on what she had found out about my account issue, so since she had n't done so XXXX XXXX said she would remove it from all XXXX credit bureaus and send me a letter stated it, Next I contact experian and informed the experian worker of the info that I received from C E O agent from XXXX then the experian agent said she would write note of all we discussed in the dispute and when I contact experian back to see if XXXX removed the mark from report the agent Supervisor XXXX with experian said that updated info with a new balance it was first XXXX dollars and now it 's XXXX dollars so for this past month of XXXX going back and forward with experian about the letter and they keep telling me the gone put in the mail for sure this time. At this time I reached out to you from a source within experian and they let me know to reach out to you 'll for a more assistance. When you contact me back I will in form you of my other credit issue that seems illegal and I feel like have violated my rights. 

Thank you, XXXX
Last year in 2017 I disputed with XXXX and Experian regarding a account XXXX XXXX after I sent a written Dispute and it was later removed from my credit report.This morning I get a alert from XXXX  XXXX that the account reappears on my credit report after it was deleted.This false information has affected my ability to obtain credit
I was charged {$54.00} from XXXX/XXXX on XX/XX/20018 on my Chase credit card. I did not authorize or receive anything for this charge. I contacted Chase to dispute. I received a letter today stating that I am responsible. I have closed my Chase account but I'm still reliable for this charge.
Barkleys bank Tinquiry XX/XX/2018 I have contacted all three credit bureaus and disputed this also I contacted company and disputed this inquiry
Hard inquiry on my credit report, I was approved for a credit card from the company and did not appear as a hard inquiry. A few weeks later, randomly, a hard inquiry from capital one appeared on my credit report. Tried to fix this problem with the bank, they Can not help me. It i
My credit report reflects a collection account owned by Jefferson Capital System, whom is not licensed in the state of Florida to collect. Therefore I am disputing the validity of this collection.
The company failed to notify me of their intent to garnish before garnishing my paycheck. When I notified them of this, they agreed that they had sent the notice to an incomplete address ( they did not include the apartment number ). They agreed that they would suspend garnishment and we would pursue a rehabilitation of the debt. They, in fact, garnished my wages at the end of  XXXX .
My son left his apartment in XXXX XXXX at XXXX XXXX 2 months early that I had cosigned for him. A company called IQ Data INT was calling me day in and day out and when I returned a phone call back to them they were very rude when I told them they needed to be calling my son who was the actual contract holder and I was just the cosignor. They refused to call him stating I was in charge of this bill treating me like a child stating do n't you know what a cosignor is means you owe the bill not the person who signed the contract first or who was staying in the apartment and on and on. I even spoke to the supervisor and he stated that if I did n't pay this bill I would get turned over to collections and reported as I refuse to pay. I told him I never once said I refused to pay this bill you ca n't illegally report something. I told you to call my son to set up a payment plan. I had my son call them and they refused to speak to him stating his name was n't on the lease. I called XXXX at the apartment complex who was in charge of turning this over to IQ Data to collect on the bill and she stated she has no idea why they would n't speak to my son because he was the contract signor and I was the co signor. XXXX said she emailed them and told them to make sure his name was on there and if not add it so when he calls they speak to him directly not me. When my son tried to call back they were still very rude and refused to speak to him. I called back and they said XXXX did not send them any email and they were only going to deal with me paying the bill. I told them I 'm not paying this bill my, it 's my sons and you need to talk to him but if it were to get paid off in full what would the amount be they said they could give me a 20 % discount because that 's what the apt complex allowed for them to do. I told them I 'm not going to pay that I know for a fact you can take less to make this as satisfactory, paid in full. They said no we wo n't. You can pay that amount or not. I told them I was going to call XXXX back and deal with this bill through her as there tactics to trying to force you to pay this was not going to work with me. They said go ahead do whatever. Good luck and hung up on me. I called XXXX back and told them they still refuse to talk to my son and I would no longer deal with that company but her directly to get some sort of payment plan in place or this bill paid off. She told me she would not do anything. I would have to deal with IQ Data about this bill. I have received NOTHING in the mail about this bill or even who IQ data is. I am now taking this matter further to anyone necessary about how this company acts and talks to the client who has the debt owed.