WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/2017 a debt for medical services I did not get or owe, because I am a retired XXXX XXXX veteran with full medical benefits. And only go to the VA hospital. I got a collection notice by my credit agency after being turned down for a credit card application. I did not know a collections agency can State they are entitled to collect a debt on.behalf of the federal govt. Withhout Verfication of one 's financial.status. Currently I had and do have a fraud alert on my credit and this information still got through. They.wanted me to pay the debt off from the collection agency first before they could remove any negative items. I refuse to pay anything because I do n't any ' medical bills period.
This company has been on my reports for a while and they are affecting my scores. 

I already filed a complaint and belive that I have the correct information. 

They have never VERIFIED the debt and have not provided me with any proofs that I owe them anything? 

Here is their information : Creditor Information MCNEIL & MYERS MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX
The bank opened an account for someone other then me without obtaining my signature or iidentification card which resulted in an account being opened for someone other then md
I started out wanting to refinance my home with a cash out refi. I found LenderFi online through XXXX. Initial estimates from the company ( XX/XX/2018 ) said that I could get a 4.5 % interest rate on a 15 year mortgage, and we estimated our home to be worth about {$230000.00} based on county tax records. 

My first red flag was when they told me my credit score was 30ish points lower than any other site was telling me. They told me that was normal, and they tend to fluctuate. Ok, I can buy that ... who understands how those scores are generated anyways. 

The second red flag was when the appraisal ( XX/XX/2018 ) came back with a value of {$190000.00}. The Appraiser, from XXXX XXXX XXXX, did not count all the square footage of my above-grade GLA. I brought this to the lenders attention XX/XX/2018 via email. 

The third red flag was when the closing disclosure document had an interest rate of 5.25 % ( XX/XX/2018 ). I was then further pressured to sign the document so that they could proceed with processing. I am not about to sign a document with numbers on that I don't agree with or understand. I'm not THAT stupid. 

( XX/XX/2018 ) I called and spoke with the lender rep, who was very kind and understanding, and explained that because the home didn't appraise for more, they had to charge me more interest. I then asked him to please ask the appraiser why he didn't include my entire GLA on his appraisal report as this seems to be the root of problem. He said he would look into it and get back with me. 

My husband and I have tried to call the lender and I have tried to email them several times and I have not heard back from the lender since. During our final conversation I stated that I either wanted a fair appraisal, or my money back for the appraisal so that we could go to someone more competent for a fair appraisal. 

I am out {$500.00} ( appraisal fee ) and am now starting the process over with my trusted XXXX XXXX Rep with whom I have a long-term relationship.
I took a title loan on a vehicle near 20 months ago. Originally the loan was for {$5000.00}. I have paid diligently and even tried paying extra to get the loan paid off but its hard to make headway. I did pay down over {$1000.00} of the principal but then reborrowed {$1200.00} because I was struggling to make the payments. The payments are 500-600 per month meaning I have paid probably in excess of {$10000.00} now. I would think this should satisfy my responsibility but I do not want to lose my car. I would like to come to some reasonable resolution to resolve the debt and me maintain ownership of my vehicle.
This is an account being reported by XXXX which has not been validated nor authorized by me has been proventing me from obtaining credit and/or Loans, as per FDCPA and FCRA acts, this is a violations of those terms and must be removed.
I submitted a bill pay on Navy Federal were they mail the updated the account for with confirmation number and paid XXXX call me stating that did not pay the check then I did the up the system that it was paid and did not pay it. Did they update their banking system with fraud and misleading information and then want to hold the member responsible for the misconduct Navy Federal Credit Union need to be investigated and all misconduct and management done staff or management should be convict according to United States Federal Regulations
XXXX XXXX XXXX I never allowed them to run my credit report. I went in for service and never to buy a new car. They never asked me to run my credit report. please remove this inquire ASAP
There is currently a collection account on my report. Please remove : XXXX XXXX XXXX XXXX
Someone initially started using first name and social to obtain medical treatment. In the late  XXXX  I had my identification including the social number and driver 's license information compromised. When I saw the damage, this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors, and credit bureaus initiated several disputes with  XXXX , Experian, and  XXXX  over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlined and that your site has told me to do. Still having issues with some accounts because I guess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate, were in. It 's hurting my family. Below are some documents I sent to them on several occasions. It seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer its there.     For example, there was a fraudulent account reported from  XXXX   XXXX  which I disputed a few months back, and now it is the second report and for DOUBLE the amount! Instead of  XXXX   XXXX , it 's now  XXXX   XXXX .     Companies like are  one in the same, but neither one ca n help I think the credit reporting agencies are misleading millions of Americans and me. Thank you for helping me  XXXX  travel to   XXXX   XXXX  ,  XXXX   XXXX , and  XXXX  at leas t five  times per year, and rarely check my credit report. Essentially because of my business, I live on  the road. R ecently after pulling my credit, I noticed some fraudulent accounts I did not open. Saw an apartment and some collections and loans. Freaked out when I saw it so I looked and could n't figure out what to do I have been researching the last year to know how to fix this. Hope this yields better success than just calling the collection agencies and bureaus.
I have hired a credit consolidation company to consolidate all my debts wich includes this loan. Now the company by the name of Premium Assets Services called my to let me know that they bought this account and are threatening me at work and my cell to take my car or my property, they are calling me at work every day also calling me at my cell even I already reported them to the no call registry now they also calling my family members to ask for me. I spoke to them and told them that I was working with a consolidation company by the name of XXXX XXXX XXXX XXXX. They say they do n't work with these kind of agencies. they want me to give them information of my bank account or credit card. Now they are calling from different numbers, and names all from the same company.This is already affecting my job and its getting really stresful, They refuse to speak to the person is handling my accounts.
Due to medical issues, I had to declare bankruptcy in 2014. The bankruptcy, including all medical collections, was discharged in XXXX 2014. I have worked really hard to rebuild and have been successful with everyone except Equifax. I have disputed a medical collection that they are reporting as open XXXX different times. Each time, they report back that the debt has been verified, although they have added comments stating 'Account closed at consumer 's request - Chapter XXXX bankruptcy ', and they continue to report the account as Open. This is negatively affecting my FICO score. Equifax will no longer allow me to dispute this online. It 's a really simple matter to mark the account closed and it is perplexing why Equifax ca n't seem to get it correct. Can you help?
I had written you prior to inform you that XXXX XXXX XXXX had practiced deceptive practices regarding my home loan when I fell behind. XXXX admitted that they mistakenly mixed my loan with someone else and gave me the wrong reinstatement amount of which I paid. XXXX demanded several XXXX more from me and intern refused ongoing payments. BAC also refused me a modification. They considered me a troubled loan and sold me off to Nationstar. In XXXX I had a medical hardship and asked for a modification. Nationstar forced my hand while I XXXX and offered me a modification that did not decrease my interest rate. The interest rate remained at my XX/XX/XXXX ( year I bought my home ) of XXXX and they extended the years of payment to 40 years ( I had 10 years left on original plan ) and my mortgage payment did not change from the {$1600.00} amount that I had been obligated to pay. In essence, Nationstar set me up for failure given my delicate circumstances during a bitter northeast winter. Not to mention having a minor child to raise. XXXX and Nationstar has violated the XXXX XXXX XXXX. XXXX XXXX has recently profiled my neighbor who is facing foreclosure by Nationstar and XXXX ( XXXX XXXX ) wrote an article about the ongoing criminal foreclosure practices by Nationstar and others. I have been featured in XXXX XXXX XXXX XXXX talking about my foreclosure plight during the XXXX Annual meeting. I was XXXX of a few to have a special meeting with secretary XXXX XXXX talking about the foreclosure crisis in XXXX XXXX, CT. In her victory primary speech of XXXX, she referenced me as the XXXX from XXXX XXXX. I am fighting to save my home from foreclosure so that I can leave a legacy to my children since I am the first generation home owner from my family. I have been awarded XXXX payments but there is still chance that a may loose my home because according to the XXXX article, these lenders just do what they want right under the nose of our so-called elected officials who has no interest in helping the poor and middle class. Nationstar has tacked on so many fees that I owe them more money now than my house cost in XX/XX/XXXX when I purchased it. I demand that Nationstar take off deceptive fees, charges and if possible turn over my house to me free and clear. XXXX XXXX XXXX has mixed up my paperwork with others and I am not sure that any billed amount is correct. I want CFPB to investigate the deceptive practices of all the lenders who have held my mortgage. My mortgage was originally held by XXXX, then XXXX XXXX XXXX and now Nationstar. All of these lenders has played a part in illegally foreclosing on citizens. When are we going to get justice. My loan number is XXXX. Bt the way, I am XXXX years old so how does a 40year mortgage work for me.
I have been h it  XXXX  or  XXXX  times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an  emergency room s ince   XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep  XXXX  to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative  XXXX  said it could take  up to 3 weeks. I  said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me.   My score dropped almost  XXXX  points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from  XX/XX/XXXX , not in last 3 months as it is showing.
XXXX members of my family and I have all been called numerous times by XXXX XXXX XXXX stating they have legal documents to serve and wanting to verify my information. The call comes from a XXXX number XXXX XXXX XXXX and refuse to say who it is or what it is in regards to.
I had merchant services with Bank of America for a credit card terminal for my business. 2 years ago, we decided to cancel this service and go with another company.  BofA  advised that I need to return my terminal equipment and my services will be cancelled. I returned the equipment as they advised.  <P/> Just recently, I was going through my bank account statement noticed that every month  BofA withdrew two separa te payments of {$19.00} and {$20.00} from my account. I called them to ask what this is, and they said that this is for the merchant service terminal that I currently have, even though I have n't had this service for 2 years. I told them that I returned all my equipment, and that it should automatically be cancelled once they received it. They advised that after I returned the equipment, I was supposed to call them and personally tell them to cancel the service, even though they never told me this. How does this make sense? If I do n't have your equipment nor your service, how are you still charging me for leasing your equipment? This is the same thing as leasing a vehicle, returning it when the lease is up, but they still charge me every month for the vehicle because I did n't call them to cancel it. This is FRAUD.  <P/> I spoke to many different people from  BofA, includin g supervisors and managers. A lot of them were silent and could n't give me an answer because I 'm sure they knew it was illogical. They just kept repeating that I should have called them and cancelled. Some even said that  XXXX   XXXX  ( the terminal company that BofA uses  )  is the one who 's been charging me, and not BofA. I called  XXXX   XXXX  and they did indeed see the charges, but confirmed that it was BofA sending the charges. So we conference c alled BofA  with  XXXX   XXXX  and they exp  lained to BofA that this was Bank of America sending the charges, and BofA agreed.
<P/>  BofA finally can celled ( last month in  XXXX  ) th e services that I never had for 2 years, but I need them to refund me all of the money that they 've been withdrawing from my account in the past 2 years. This is fraud. They 've literally been stealing money from my bank account for services I never had. This is similar to the  XXXX   XXXX  case, and will not be tolerated.  <P/> I will take this to court if it 's not resolved here. This is unacceptable.
Firstpoint Collections is currently trying to collect on 2 debts that I 'm not responsible for. They are reporting these damaging fraudulent accounts on my credit even after I disputed the fraud and sent the police report. This is very unprofessional and is unethical. i fell my rights are being violated as such.
According to Equifax 's own website for checking whether or not my sensitive information ( including my SSN and other personal information ) were leaked in this latest incident, my information may be at risk of being stolen, making me EXTREMELY vulnerable to identity theft or other forms of fraud. 

This is clearly due to negligence on behalf of Equifax. Their IT/Cybersecurity was entirely inadequate for the level of sensitive information they kept on their servers. Now, 143+ million Americans are at extreme fraud risk. Accounting for the fact that approximately 22.8 % of Americans are under the age of 18, roughly 3/5 of adult Americans had their sensitive identifying information leaked. At this scale, this could be should be considered a national security incident.
Not to mention, it appears that multiple Equifax executives divested their stock holdings just before the announcement broke ( see : insider trading ).
In short : I am an American who does not feel financially safe or secure. Equifax needs the book to be thrown at them. I have contacted my state and federal representatives about this issue, and I expect that the CFPB will make every effort, in conjunction with legislators and the U.S. judiciary, that Equifax is entirely liquidated and that any other organizations that hold sensitive consumer information are held to appropriate security standards.
Difficulty making payments on a private loan formerly with XXXX XXXX ( currently with Navient ) for XXXX XXXX to XXXX XXXX XXXX XXXX XXXX, XXXX, MA. Navient refuses to postpone or significantly lower payments after 10+ years of paying on-time.
I was told via Equifax 's website that I may have been affected by the giant security breach that was reported on XXXX XXXX, 2017.
There is a judgment listed on my Equifax credit report that is not mine. The case number listed is XXXX and this does not exist in XXXX XXXX Court records. I have gone up to the XXXX XXXX Courthouse now 3 different times in person to try to get this incorrect information removed as well as calling. I have disputed this twice through Equifax , yet it still remains. I spoke directly to multiple people who stat that the case number XXXX does not exist in their system. I have also done a statewide search through our online inquiry database for this case number and each time it comes back with nothing. I originally disputed this on XXXX/XXXX/16 and again on XXXX/XXXX/16. They state that this has been verified by XXXX XXXX and when I have gone up there to speak with someone at XXXX XXXX they have given me phone number to have Equifax directly contact them as well as stated that they would not have confirmed this case number as the format of the case number itself is not XXXX used in their systems. I am a XXXX minute drive from this courthouse each way so in total I have driven XXXX mile attempting to correct this as well as missed 3 days of work. I am upset at being denied a mortgage wrongly and at the out of pocket cost of correcting this error and I am not able to get anywhere with Equifax. This case number simply does not exist according to XXXX XXXX. Equifax claims they received verification electronically and do not have a specific contact person at XXXX XXXX that they received this incorrect information from. I would like this incorrect information removed from my report immediately and would like to be reimbursed for my lost wages, time and gas to pursue correction of this matter in the amount of {$2000.00}.
This will be the 3rd or 4th complaint from me towards US Bank. This matter is still not resolved ... .I have had it. I have continued to maintain the property for two years, they have had a valid offer for over a year and they still have not made a decision. I am not going to continue keeping up this property. When I stop, this house will rot. It is in a bad area. They are so fortunate they even received an offer and that the buyer has hung on this long and now they will lose this buyer. I really do n't even know what to say anymore. Absolutely ridiculous.
I have a private loan with Sallie Mae. I called them to try to get them to lower my payment or interest rate due to my income. I have XXXX children and only made a small on my taxes last year I need help with my payment or it will ruin my credit. They REFUSED to help me at all. 
I am VERY unhappy.
Trans Union keeps reporting over balance on my XXXX XXXX account, it was taken off and know back again, my accounts are not over drawn. My report keeps dropping, I had a XXXX, I 'm getting very upset. I also have other supporting documents. This is the second time this has happened.
I've been disputing my Equifax for a year now with proof of ftc and police reports. They won't fix my credit score or take off derogatory accounts They are XXXX XXXX XXXX XXXX XXXX XXXX XXXX   -XXXX -XXXX XXXX XXXX XXXX XXXX XXXX XXXX All inquiries are not mine but XXXX XXXX XXXX and XXXX XXXX XXXX my XXXX truck payment they have 3 late payment 's when there are 0.
I have had many problems with Wells Fargo disbursing the correct amount of tuition I asked for in my loan. They are expecting me to apply for a second loan when I only asked for one loan from the beginning. I have had to call many times due to incorrect dispurment of school funds and I even got a late fee for tuition in the 1st semester. It does not make sense to apply for two different loans in the same school year and that 's what they are trying to make me do. Wells Fargo never got it correct from the start and it has been extremely frustrating dealing with them over the phone. I am not capable of going to school for my second semester because they are not disbursing the correct amount. They are not being of help and I have talked to more than 3 representatives and an executive about the problem. I finally spoke to a respresenative on XX/XX/2017 who understood my situation and he explained that he would speak to my lender and have an answer for me by XXXX on XX/XX/XXXX. I never receive anything from him and I was forced to call Wells Fargo to check in on the loan process once again. The women I spoke with told me the male agent was not in the office today, when I was expecting a call from him because he told me he would inform me.
On  XXXX / XXXX / 2017  a credit inquiry was made on my credit report by Consumer Portfolio  S  that was without my consent and unauthorized. I have made multiple attempts to work with this company to have that inquiry removed but they have n't been willing to help.
This collection agency got my medical information and should n't have. I signed statements on all XXXX accounts they have on file that I was indigent when the medical visit to the hospital occurred. I also did n't give the doctors, labs, hospitals permission to disclose my information to this collection agency. They have continuously called various relatives and non relatives telling them that I am going to be held in contempt of court for not contacting them about the disputed bills. Just today, they called my aging mother, my son, and my ex-husband 's wife (? ) saying that I was going to get arrested if I did n't get in contact with them immediately. I spent my entire lunch hour assuring the people that I love that nothing was going to happen to me. 

This company is very scary and has the tact of an ape. They call at all hours of the day and night. They once called my old job and did n't stop calling till I told them XXXX times that I would get fired for taking their calls at work. 

I have denied owing money to them for years and have told them repeatedly to stop calling me and my family, friends, and place of employment. 

I feel that they were given my medical information illegally. I was on food stamps for a few months, applied and was denied unemployment, and was very poor when I visited the hospital XXXX times in XXXX years. Everyone who sent me a bill from the hospital stays was informed that I was indigent at the time. No collection agency should have been given my medical financial information. 

This company has filed XXXX accounts on my credit report, even though the original dept was taken off my credit records. I disputed these accounts, yet they stayed on my record and continue to harass me every day.