WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I went to the emergency at XXXX XXXX XXXX   Hospital from a XXXX XXXX. The following month I received a bill of {$270.00}. I forwarded the bill to to owner of the dog because they said they will take care of the bill and they give me a check of the said amount and I took is personally to the hospital and it was settled on XX/XX/XXXX.  Since this payment was made I never ever received any other bill or calls letting me know of any unpaid billof {$280.00} at all. I have been working on building my credit by making all my payments on time for the past six years. Last year around XX/XX/XXXX I received an alert that my credit history had drastically gone down. I launched a dispute through XXXX   to determine what was wrong with my credit and they investigated and informed me that I had a bill that was not paid for XXXX XXXX XXXX Hospital. I called the collectors Common Wealth Financial Systems to find out about this said amount and advised me to find out from the hospital. Therefore I personally went to the hospital and they checked their records and said that I didn't have any unpaid bill unless if it was for the emergency physician Dr . They gave me a No. to call for physicians billing department. I called them and they also said that they could not find any unpaid bill with my name with them. I called the collectors and they explained to me that they were directed by a company called XXXX XXXX XXXX whom they claim were the purchasers of the physicians company. I asked if anybody called or wrote a letter to inform me of this unpaid bill of {$280.00} and they could not give me any answer. I was very absent and disappointed and asked them why nobody including the Common Wealth Financial Systems ( collectors ) nor XXXX XXXX XXXX ever informed me of this unpaid bill before they forwarded it to my credit report. The letter that was issued was after my phone conversation with Commonwealth Financial System for  collection which was to cover up that they wrote a letter earlier trying to recover the unpaid bill received after my phone call on the XX/XX/XXXX claiming the legal time had expired. In the first place how can they say they made attempts when I NEVER received any letter to inform me of the bill. This letter they just issued is the first I ever received. Why would they claim they made attempts and why could they issue a letter like they did after my phone call and after damaging my credit history. I have always paid my bills on time and this could not have been an exceptional. I need an explanation why nobody informed me of the said bill? Legally there should have been attempts either through writing or phone calls made informing me about the unpaid bill and to my dismay no efforts were made.
We are currently going through a short sale on our home with a company called XXXX XXXX XXXX XXXX XXXX, we have been going through this with them for well over 8 months. They represent a company called Midland mortgage and they have been delaying the process over and over, we have a buyer for the home willing and ready to purchase and XXXX just keeps delaying the process. They have asked for the same information on numerous occasions ( which I have kept all documentation ), but when we call them we can never get the contact person they have assigned us so therefore we are thrown into a pool of people in which we never get the same person so they read through the notes only to tell us, we have all the information we need it is sitting with the under writer. Then it ends up needing a new appraisal because XXXX has caused it to be out dated. We have had numerous appraisals as well. I can not explain the frustration and anxiety that this has caused but would like to see a resolution.
I contacted all XXXX bureaus in XXXX of XXXX by telephone and notified them of incorrect name and address information on my report. I also notified them that there were several accounts opened that were not mine, and to please put a fraud alert on my account. They did and did remove some accounts. But they did not remove the incorrect names, nor did they notify me to send in documentation to verify my identity, although I had explained to them that the XXXX had seen that someone used my XXXX number to open student loans. They put back the inaccurate name and address information on my credit report without notifying me. Some of this information belongs to my ex-husband. Why it is on my credit report, I do not know. Also, they are reporting information that is over seven years old, Other than that, there are XXXX accounts, that someone opened in my name, through a loan agency I had previously used and did not pay, XXXX was paid and is reporting as paid, and XXXX is reporting as closed and never paid on, but I could never afford a loan of that amount. I have repeatedly contacted them to remove this information for the last six months regarding the incorrect addresses and names, Also the XXXX accounts not opened my me being XXXX opened in XXXX and XXXX XXXX, I have spoken to XXXX and they confirmed that it was NOT my account. They did their investigation online and did not send me any reports, so I do not have any documentation.
Key Bank USA / XXXX XXXX / XXXX ( XXXX XXXX XXXX ) wrongly reported a delinquency / non payment on my credit report multiple times for XXXX student loan issue that was paid and resolved. 1. The account was paid in full and should be removed as a negative on my credit report. 2. In addition, reporting by XXXX entities was wrongful because the account existed only with Key Bank and the other entities have no right to report. 3. The XXXX account at issue was wrongly reported negatively under multiple account numbers when the issue involved only XXXX Key Bank account which was paid in full. 4. After multiple attempts to correct the erroneous reporting of the account with Key Bank and the Credit Bureaus -- all XXXX Key Bank entities continue to wrongly ( negatively ) report the account in duplicate and unresolved. 5. The amount involved is under {$200.00} however its impact to my credit history is negative, erroneous and without basis. 

I am seeking your assistance resolving this matter because KeyBank USA / XXXX XXXX / XXXX and the Credit Bureaus have repeatedly failed to address this even though I have contacted them multiple times. Thank you in advance for your assistance.
From XXXX/XXXX/16 thru XXXX/XXXX/16 I have received 38 phone calls from a company that identifies itself as Student Assistance Corporation. 

On or about the evening of XXXX/XXXX/16 I answered a unidentified call that instructed me to contact their office on the next business day. I researched the number left on my phone and identified that caller as Student Assistance Corp. I called their office and inquired as to the reason for the call. I was told that there was no reason that my account was current and the call was ended. 


On XXXX/XXXX/16 I received 4 calls, when I spoke with one of their managers I was told that they did not know why they were calling me, but since they had me on the phone could they confirm some information ( my contact information ) I complied and ask that in the future they correspond with me thru the postal system. I then contacted Navient to inquire as to the reason for that calls, they claimed that they did not know of a reason for the calls as my student loan account is current.I repeated my request that they use the postal system for future correspondence with me. 

XXXX/XXXX/16 I received 5 calls.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
My Best Buy Account was opened XX/XX/XXXX. I received the first paper statement, and attempted to create an online account to view my balance and make my payments. XX/XX/XXXX - I had problems creating the account online. I chatted with Online Support who told me to open a different browser. I then called Customer Service who said the same thing. After going through a very convoluted process, the account was setup. XX/XX/XXXX - I was not able to login to my account again AND their website kept taking me in circles between two screens. I called Customer Service, spoke with XXXX, and make my payment through them. They were not able to help me login to their credit card site. I asked XXXX to enable paper statements so that I would know my balance and payment information. XX/XX/XXXX - I received a payment reminder with my balance and minimum amount due. No paper statement was received as requested. My attempt to login to the site was unsuccessful, I did not have time to call Customer Service again. XX/XX/XXXX - I am within 4 days of my payment date and tried to login to the site to make my payment. Login failed, I received a message to call Customer Service. I called Customer Service, after going through their very long automated system, I was connected to XXXX who listened to my complaint and put me back into the automated phone system. I then spoke with XXXX who had me change my password, but I could still not login to the site. When I asked her what to do next, she said wait 1 - 2 hours. she told me I was luck to have gotten to the point where I could change my password. others were not so lucky. I still can not login, I have not yet made my payment. Total time on the phone 20 minutes, 8 seconds without a resolution.
I received a letter from Greentree servicing LLC that my Hurricane insurance had not been paid and they were going to place their own expensive insuranceon my bill. I checked with the insurance company XXXX and XXXX and they both said it had been paid and it was current. I called Greentree several times and wrote them letters as to who they could contact to confirm this. They were uncooperative. They just sent me a letter stating that the evidence now shows that the insurance was reinstated. It was never cancelled. This was an attempt by them to extort money from me. XXXX could n't understand why they did n't contact them.
I have a collection from the Enhanced Recovery Corp with XXXX XXXX XXXX. I have paid the debt to {$0.00} balance and it is marked as closed but I was told it would be removed from my credit report. Thank you for the awesome work you all do!
I was n't able to make my student loan payment so I called Navient to find out what my options were and they said that I could file for forbearance which would temporarily relieve me of my payments for a few months. After the three months was over I was still experiencing financial difficulties and they suggested I file for forbearance again. They made it seem like this was my only option so I agreed to it. After several months of not being able to pay on my loans, I did some research online with my brother and learned about the pay-as-you-earn program. I called Navient to do this and they were happy to help. They were very helpful in fact. They set me up on this plan and I 've been making minimum payments when I can ever since.
Ally is refusing to credit  a 3 payment rollover ( {$820.00} ) from our  previous lease, that  XXXX   XXXX  took over on my new auto loan, we are getting calls @ work all times of the day and at night. They were advised by letter and verbally by phone that no calls will be accepted to our personal phones as they are used for personal as well as work purposes, and is interruptive. A monthly budget payment was accepted on their behalf on paying the remainder of the auto loan. But yet we still get harassing calls from them. I copied the consumer protection laws from the .gov website and sent it as a reminder to the rules and regulations, but seem to go ignored. Si nce Ally has agreed to a monthly payment plan, we see no reason to have any phone contact from them. They were advised USPS correspondence is fine for receiving the bill. At this point we consider this to be harassment on their behalf. On a phone call with them yesterday, I advised any further contact would result in further civil action on our behalf. We do not deny the balance due, we just want the calls to stop.
We had a contractor replace our roof & gutters due to hail around XX/XX/18. XXXX XXXX XXXX paid via check but Sun Trust Bank ( who our Mortgage is through ) needed to endorse it. I mailed Sun Trust the check on XX/XX/XXXX and we still dont have it back ( today is XX/XX/XXXX ). They are giving us the run around and we have done and provided everything theyve asked for. The money was due so we had to pay the contractor out of pocket {$8000.00}. Sun Trust needs to give us our endorsed check. They are horrible to work with and Ive called them daily. They wont return calls. Each rep tells me something different. Please help. Thanks.
I have been trying to dispute this debt on my credit report from a company called Trident Asset Management,, XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX, I have called the number to inform them that this is a fraudulent account but their number is disconnected. These people do n't answer. I have been trying to dispute this with XXXX but XXXX claims to have verified this debt as mine which i do n't see how they verified this. I was never notified of this debt that has been on my credit report in writing or by mail. I have asked XXXX to provide me how they verified this and they can tell me it 's done electronically. I do n't even know what this is and never had an account with this company.
I disputed Tax Liens with Transunion and XXXX that do not meet the XXXX reporting standards, as these liens have redacted my social security number and do not show my date of birth ( see attached )
I contacted XXXX XXXX on or about XX/XX/XXXX via telephone call to discuss an apparent judgment they had obtained against me. They advised me my alleged balance was {$8100.00}, which was concerning to me since my original balance on my credit card debt was less than {$5000.00}. I of course questioned the balance, but the collector was quick to shut me down and confirm the balance is now {$8100.00}. I tried to work out a settlement agreement but was met with an uncooperative and unreasonable and frankly, rude collector. 

I did some research and decided to write a letter in hopes that a more reasonable individual would review my request. I feel that my request is not unreasonable, which I was offering {$5000.00} payable in one lump sum. I sent a written correspondence on XX/XX/XXXX explaining my financial hardship, why I went into default on this credit card back in XXXX, and an offer of {$5000.00}. Expecting a written response within 30 days, I did not receive one. 

Therefore on XX/XX/XXXX I resent another written request. This time, on XX/XX/XXXX I placed a phone call to confirm that they had received my written correspondence. The collector was rude, and was being very condescending asking why I even bothered sending a letter, making it clear that in no way they would offer better terms. I simply wanted to know if they would be responding in writing to my written inquiry. He was unwilling to answer my question, and proceeded to attempt to negotiate the debt with me right then and there on the spot. I was really surprised when this time he stated I owed {$7200.00}, and not the {$8100.00} they claimed I owed just a little over 30 days before. I asked what changed, and how could my balance drop by {$1000.00}? Again he was not able to explain why, and continued to dodge my question with is collection efforts. 


At this point I was very concerned with this debt. I feel like they are unsure how to calculate my actual balance due and frankly I'm unsure whether I'm even dealing with the right entity. I'm hoping I can get help from the CFPB and that XXXX XXXX XXXX treat me with respect and dignity, I am simply trying to resolve an old debt.
I have presented a case prior with Santander consumer USA and my case closed and it stated to seek legal counsel and then speaking with accelerated supervisor to handle issues at Santander and I mentioned lawyer she then explained when I agreed to at 2 times to push payments to back of the loan each time 3 months that it allowed the a loan to charge the XXXX XXXX dollars of interest and she said that on tape I agreed to change that but the conditions also changed because I was on leave due to illness. This was not explained and nor will they give these tapes to me. I was in financial hardship they took advantage and did not reveal that this will cost this amount. I am still trying to find an attorney because of the cost they charge. They kept saying at first late payments and now this and no they did not explain and they are aware they took advantage because only now am I being told more in depth answers I want this to go to court but I trying to find sway to do this without costing I have family and obligations and if I knew when I became ill that this would of cost this on these XXXX accounts I would not have agreed.
American Express recently lots XXXX business now they refuse to give me old statements I ahve done business with AMEX for years and over night they took all my online history off and will not allow me to view my AMEX history. 

I feel like they are acting like a an upset child who lost a game and took their ball and went home.. 

I have viewed my bill and paid them money for years then they take it all away and point fingers .. All I am trying to do is find a transaction
I've been banking with Netspend for several years. I called in on XX/XX/18 to dispute a charge. Next thing I know my account is closed and funds have not been issued to me. This has caused many bills in my household to go unpaid and accumulate late charges. Called in to check the status of my refund only to be advised that it was not complete and need 10 days to complete. NOT ACCEPTABLE. This is altering my livelihood and causing more damages than one person can handle.
This company called me and asked who my mom was before they introduced themselves to me or informed me that they were trying to collect a debt. Very unprofessional in their handling of this situation. I was hung up on three times and heard some very rude statements about why we did n't pay the bill sooner. We never received a final bill from XXXX XXXX XXXX after switching to XXXX. I am authorized to make changes to the account with XXXX XXXX XXXX but the account is formally in my mom 's name and our access to the account was revoked the moment we switched. Three months later we 're getting calls from this collection agency without a detail of the bill that is well over the amount we should have owed and they wo n't offer a contact number to verify the amount of the debt. Even stated " Tell your mom good luck in resolving this '' before hanging up on me.
On Monday, XX/XX/2015, I went into my local Bank of America branch office to obtain a direct deposit form for my employer. I was directed to the desk of XXXX, Relationship Banker with Bank of America. She asked me if I was interested in applying for a Bank of America credit card and I told her I was not interested at this time and wanted to discuss it with my parents. She asked me some other questions which I was made to believe were necessary in order to obtain the direct deposit form. On Saturday, XX/XX/2015, I received XXXX documents in the mail from Bank of America. XXXX document indicated that they had received my recent application for the BankAmericard Cash Rewards Platinum Plus Visa and that it was a duplicate request so it would not be processed. The other document I received congratulated me on my request for credit from Bank of America and that it was approved and that a credit check was done in my name with credit score information included.  I had no knowledge of this application ever being submitted on my behalf and I have been informed that according to the law no one can obtain credit for me without my authorization. Also, because I am under the age XXXXXXXX proof of my income is necessary to apply for a credit card which was never obtained, and was fabricated on the application that was submitted.
I am a victim of Identity theft and have file a Identity Theft Report with the FTC and my local Sheriff Department. I have reported my personal information being stole do to my house being broken into. Afterwards I notice accounts on my credit report that don't belong to me. I have never recieved good and services for this company listed belong. 
! 
XXXX XXXX XXXX XXXX This collection is the result of Identity theft. Please Delete Immediately!
I have been disputing an inaccuracy for years. I attended arbitration court and the arbitration judge indicate on XX/XX/XXXX. That all credit beaures need to delete XXXX XXXX and XXXX XXXX. As of XX/XX/XXXX all credit bureaus honored the judges request except Experian. I spoke to Experian on XX/XX/XXXX to see if they received the letter from arbitration. They indicated yes but all they can do is dispute the claim. I again called on Wednesday XX/XX/XXXX and XX/XX/XXXX and the only thing they stated was. 1 ) Yes they received the letter from the judge. 2 ) The only thing they can do is disput it because their a third party entity and the individual thats doing the disputing has no rights. The agency is always right and if they indicated it's should remain than it will remain inspire of a judges demand. Experian indicated to me on that Friday XX/XX/XXXX. The judges request has no jurisdiction if the individuals I'm disputing states it's factual than I'm over rules. I asked the representative in the dispute department to please repeat it so that their company recording could hear what is being said. Yes, Experian has all if my certified letters requesting XXXX, and XXXX XXXX  be removed along with the judges ruling but they refused. They are aware in several certified letters as well as my request for assistance for the 3rd time from CFPB that they are tarnishing my credit, my name, and I am paying a high interest rate on my car and I'm unable to purchase a home in a decent area due to this information on my record. Experian has absolutely no empathy for their customers. Non what so ever.
I am unable to file an online dispute via the Transunion website. This problem has been ongoing since filing an online dispute back in XX/XX/2017. This dispute was cleared towards the end of XX/XX/XXXX, but ever since then it's as if my account has been locked and new disputes can not be submitted. The process I am using is through the Transunion Dispute Center - I am able to select " Start an Investigation '' and enter the reason for the dispute, but absolutely nothing happens when I click continue. I have made repeated calls to Transunion and nobody seems to be able or willing to help. I am constantly shuffled between customer service and disputes, and it's not uncommon that I talk to someone from each of those departments four or five times in one phone call. This is absolutely maddening and I don't know who else to turn to for help.