WillisBack/dataset-financial-user-claim huggingface dataset:
My HR Generalist came to speak with me in regards to a letter she received from XXXX XXXX XXXX , XXXX. This letter states that I owe a remaining balance of {$210.00} for interest. I have paid the judgment in full as of my paycheck dated XX/XX/2017. I have in fact paid a total of {$1900.00} ( the judgment total amount was {$1700.00} ). I have never received any notification from this company in regards to anything, including the actual documentation to go to court. I was never given the opportunity to appear in court or dispute anything in regards to this debt. I did allow my wages to be garnished because I was unaware that I could dispute it. I do not believe I owe them any further monies. The only reason I am aware of this is because my HR brought it to my attention. I do have documentation showing the amount that was to be garnished from my wages ( showing {$1700.00} ), I have documentation showing the amount taken from wages ( {$1900.00} ), & I have a copy of the emailed to my company requesting an additional {$210.00} if needed. I do no have any documents that were send to me because they have not sent me anything.
I have an auto loan with Santander Consumer USA. I lost my job in 2016 after having this loan. I called and the rep said they would skip a payment and I could pay two months later and I would not have any late fees or penalties. My credit report shows 4 late pays with Santander and they now state that did n't happen when I call in.
This collection Agency Mrs. Association is reporting fraudulent information on my Credit report. They are a third party trying to collect a debt that is not owned to satisfy XXXX XXXX XXXX ( XXXX ). Provide me with a copy of the Promissory Note proving who owns the loans that I Co-signed and/or any documents to support the reason why they are reporting erroneous information.
1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.
The company is First Choice Assets LLC. They have bought a debt from 2009 and the statute of limitations has run out in CA ( 4 years ) and their practices are sketchy. They start by saying they need to verify info to send an important package ( after 4 phone calls like this I have not received anything ). Then they want verification of the last XXXX of the social security number. After that they start to ask why I defaulted on the debt. It was 7 years ago. I have told them each time they have called that this debt is past the statute of limitations in CA. In fact, the first guy said they need to get this resolved before it runs out ... almost like they know they legally ca n't collect on this. This debt has been removed from my credit report so I know as far as the debtor is concerned it 's over. Each time I confirm that the call is being recorded and each time I have told them that they can not collect anything and I am not paying them a penny. 
One guy asked me if I had ever been served papers regarding a debt. Usually when confronted they just hang up, but every couple of months they call me again. It scares me how many people do n't know the law and are paying these guys for old debts. 
I have asked them to stop calling me, which they said they would, but i doubt it, because they have called themselves by more than one company name and claim no one has contacted me before.
Regional Collection Services, XXXX XXXX XXXX XXXX XXXX, Ohio XXXX. 
XXXX XXXX XXXX {$83.00} XXXX XXXX, XXXX {$45.00} Aprol XXXX XXXX XXXX {$26.00} XXXX XXXX, XXXX {$200.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$82.00} XXXX XXXX, XXXX {$150.00} XXXX XXXX, XXXX {$82.00} I was on XXXX at this time, I was 100 % coverwd by them. I would like to dispute these charges.
In XXXX, XXXX I opened a Wells Fargo XXXX XXXX XXXX XXXX card with a promotional offer to receive {$200.00} on statement credit after spending at least XXXX in the first 3 months. 

Around XXXX XXXX, XXXX I called XXXX CC customer service to ask about the XXXX check I had received in the mail with an offer to do a balance transfer and pay a 3 percent transfer fee to do the balance transfer. After closing my other XXXX XXXX and speaking to several more XXXX customer service reps, XXXX increased my limit on this CC to XXXX and then to XXXX upon my request, since we were buying a car for our teenager. 

The XXXX customer service rep I spoke to about the balance transfer told me that I could make the transfer online myself or she could make it for me on the phone. I then specifically asked this woman ( phone call should be on record ) if t made any difference whether I did the balance transfer online or on the phone, and she stated that it would have the same effect and I would pay the 3 percent transfer fee on the next billing statement. I hung up with the XXXX rep and I then made the {$8000.00} transfer myself from the new XXXX CC to our checking account, since making online transfers is very easy to do. 

The next day around XXXX XXXX, XXXX I saw a {$400.00} cash advance fe on our CC statement online. I immediately called XXXX CC customer service and spoke to a very nice man by the name of XXXX XXXX who helped me. He apologized for the woman 's lack of knowledge about the difference between balance transfers and cash advances, and he credited out CC acct for the 400.00 He then assured me that I would see interest charges for the next couple months but those would also be refunded. 

On XXXX XXXX XXXX an interest charge 0f {$130.00} posted to this CC acct. On XXXX XXXX it still had not been removed so I called XXXX customer service again and asked to speak with a a supervisor. A man named XXXX who had no patient and no kindness about him told me in a very rude manner that I should have known this would have been treated as a cash advance even though the rep called it an online balance transfer. XXXX was very mean and should not be in customer service. He did not even take the time to listen to the mistake that the original customer service rep had made. He told me he could no nothing for me and I could not speak to anyone above him and his manager XXXX XXXX does not talk to customers. 

Our account should be credited the interest charge of {$130.00} and any further planned interest charges should not be charged to our CC acct. 

Although I never received the promised {$200.00} to open this account ( I spent well over the 1,000 req ), they have yet to charge me the 3 % transfer fee so these charges almost cancel each other out. 

It is not fair for big banks to give incorrect information to consumers and then profit off of it. It seems very unethical.
... A company called " XXXX '', which only shows a P.O.Box as address, has tried to " collect '' a debt on behalf of " Capital One, F.S.B. " ; for such I have no knowledge nor I owe anything to that bank/credit ...
Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.
In  1986 i atte nded   XXXX   XXXX   XXXX   in  XXXX  kansas. I applied for  XXXX  pail grants to be applied to my goverment student loans believe to be a ffel. I was approved for all grant. I compleated both modules  XXXX   XXXX   XXXX    and   XXXX   XXXX   XXXX   XXXX   Because of a problem in the financial aid department with an representative that defrauded or bused clients funds. I Never recived my pail grants. I never found out the out come of that except that the school closed down and no longer exists. Now the DOE is garnisheeing my checks for payment on those student loans.
My property is in Deed of Lieu status. I have not missed any payments because I have re modified my loan. That why it looks like I have been late. The loan number is XXXX with Citizens One.
The following derogatory items listed on my account are causing a negative mark on my credit report and they are false. They are listed as medical debts which do not belong to me or any other member of my family. 

PERFECTION COLLECTIONS XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX, UT XXXX / {$4400.00} - XXXX/XXXX/XXXX XXXX XXXX XXXXXXXX 10 MONTHS XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX XXXX - {$3900.00} - XXXX/XXXX/XXXX XXXX XXXX XXXX 6 MONTHS XXXX XXXX, which we found to be a predatory company, offered us a monitoring service which we did not accept and we asked them several times to come and retrieve their equipment, which they never did. After which we discovered these derogatory marks, which we are being told are for medical expenses, have been added to our credit report.
I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.
Midland has filed a civil suit aginst me on a debt that isn't mine i was not properly served instead of a certified letter or anything from Midland funding or the court. Instead i received a letter from a attorney asking if i needed legal representation for this court case after doing research on the local courts website i found out i was being sued by Midland funding i filed my answer and sent them a debt validation request to prove that i own this debt and they have failed to do so it has been almost a month and they have failed to validate this debt. there is no contract or chain of assignment or anything else in there complaint. After alot of research i have seen were multiple states including the state of ohio have filed lawsuits against Midland funding for their shoddy collection practices and they have sued many people in violation of the ( FDCPA )
I have a Bank Of America Credit card and they do not allow you to set a automatic payment of the minimum due. You must set a predetermined amount. I called them because I got a late fee and there reason is you need to look at your statement each month and pick an amount. 

So I did not look at my statements for two months and got charged a late fee. I called them and they refused to fix it.
I Received a current escrow analysis 2 days ago from Wells Fargo Bank. It showed that my projected and actual insurance premium was {$360.00} annually from XXXX XXXX, XXXX to XXXX of XXXX. The truth was that XXXX had sent Wells Fargo Home Mortgage a Notice of premium increase to {$390.00} on XXXX XXXX, XXXX, which was processed & Wells Fargo who issued XXXX a batch check confiming on XXXX XXXX, XXXX notice and receipt of payment from XXXX was completely ignored by Wells Fargo XXXX and they chose to continue to use the old XXXX premium amount, {$360.00}, through all of XXXX and through XXXX of XXXX. Wells Fargo made a mistake and XXXX different agents even argued with me saying they had not been informed of the premium increase in XXXX. Wells Fargo.needs to be responsible and pay what is owed, not me. According to XXXX I am paid up and owe nothing more for the next year. I am confident that during the past 15 years or more I have paid money to compensate for Wells Fargo Home Mortgage 's errors or intentional negligence. I am a XXXX and I wish to sue them, for non compliance and straight out lying and blaming others for their own neglect and sending out incorrect information. I want to be compensated for all of the time I have spent attempting to get to the bottom of the mess and of course we know who was found at the bottom, no one but Fargo Home Mortgage, They take advantage of their own employees with low pay and high demands and they view poor people and working Americans as walking dollars which they can easily collect more money from daily for just about any reason, whether true or false, I will add the files from XXXX showing their premium notifications to Wells Fargo when I receive them next week, .Thank you. XXXX XXXX XXXX. 

XXXX XXXX XXXX
My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and  XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than  XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.
All debts reported by Experian and all reporting agencies are non-existent. I am a Social Security benefit recipient since 2004 and I receive free medical care through XXXX prior to 2004. Any charges greater than XXXX approves are not valid. The decision to pay is made jointly by XXXX & myself, the patient in this case. There is no argument that any medical or related services or products unpaid by XXXX are unauthorized and not valid. The patient ( myself ) did not agree to these products or services at any time. In a Court ordered evaluation the final determination as to payment is made by a consult of patient and Judicial, and then answered by XXXX. Malpractice in medicine is a crime against humanity. Judgments made by emergency room physician ( s ) can never be considered sound. When there is agreement as to unnecessary use of medical products and services, we do not reimburse the physician due to grave hardships which include death ( s ) of the patient. .All medical emergency cases are equal in nature. Regarding medical practices other than emergencies, persons have the right to pursue happiness, but they must be CONSENTING ADULTS. I AM NOT A CONSENTING ADULT IN ANY PRACTICES OTHER THAN EMERGENCY LIFE, IN WHICH CASE I AM PROVIDED FOR BY MY FAMILY OF DOCTORS AND THEIR PRODUCTS ONLY. IT IS NOT POSSIBLE TO APPROVE ANY PAID EMERGENCY TREATMENTS OTHER THAN THOSE ENFORCED BY THE CIRCUIT COURT SYSTEMS FOR EVALUATIONS ON CRIMINAL TRIAL MATTERS. TRIAL EVALUATIONS DO NOT REQUIRE TREATMENT, I.E. THEY ARE A BRIEF INTERVIEW ABOUT COMPETANCY AND ARE SERVED IN THE PRIVATE OFFICES OF AUTHORISED CONSULTS.
I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.
I contacted Experian on  XX/XX/2017    about not being able to sign into and view my credit report. I was advised that there was no issue in their system and did n't know why I could n't view my report. It was also reported from others who had the same issue as mine. After being transferred among st 7 di fferent people and being on the phone more than an hour, I was finally in touch with a supervisor. Upon having a conversation with him and me requesting that I receive information on how they came to the conclusion that my inquiries and collections were mines, he told me that he would NOT disclose that information to me and all he was going to tell me is the information is verified as mine. I believe that is against the law and violates my rights! I was told that none of the inquiries could be taken care of or removed even though I advised that they were not mine, along with the collections that are reported on my account.
My " OPEN '' trade-line with XXXX XXXX never gets updated unless a file a credit dispute with consumer reporting agencies. I submitted CFPB complaint XXXX, back in XX/XX/2018, because the trade-line had not updated in several months. Here we are again, several months later, and the trade-line has not been updated since I filed my last dispute back in XX/XX/2018. It seems that they have some sort of systemic issue, which prevents my information from reporting accurately to consumer reporting agencies. My balance is incorrect and date of last payment. According to credit reports I have seen, this trade-line was last updated in XX/XX/2018, again, is when I filed a complaint for the information not updating. XXXX is required to furnish accurate data on my account every month according to XXXX guidelines, and they are failing to do so. There appears to be a disconnect between XXXX XXXX, and CRAs, with respect to updating the trade-line in a timely manner.
I had gotten my  BMO Harris  debit card stolen on   X/XX/17   and called it in the following day. I was told my card was canceled as they caught a fraud attempt of a cash withdrawal of {$130.00} at a  XXXX  gas station in  XXXX , IL. I was not asked about any previous transactions to verify no other fraud was made and I understood that the {$130.00} attempt was the onl y one. I h ave an installment loan with BMO and a payment of {$46.00} is taken automatically from my checking account every  XXXX  of the month, however,  XXXX    XXXX   payment was not paid due to my account having insufficient funds. I opened my monthly statement and see that a purchase at  XXXX     XXXX    was made for $   30+ and  ca used my funds to drop. That purchase was not made by me and was fraudulent and was not verified by me through  BMO  when canceling my card and caused the payment for  XXXX  to be overdue. I attempted to pay my past due balance in person at a branch in  XXXX , IL and was advised to wait until my next payment day of  X/XX/17    to avoid being double charged. I listened and come  X/XX/17    I received a phone call from  BMO  's credit reporting office and was informed my payment was  30    days overdue and was now going to be reported to the credit bureau and was misinformed on the double charge statement. I paid the overdue payment in addition to  XXXX    XXXX   payment that totaled out to {$100.00} and then the next day was in fact double charged for  XXXX   XXXX  overdue payment which put me at insufficient funds once again. BMO has reversed fees but still said it was going to be reported to the bureau and refused to retract it since I took the proper steps to make the payment but was misinformed.
I have contacted XXXX numerous times requesting detailed information regarding which qualifying payments I have made towards the XXXX XXXX XXXX XXXX program. I have only been given the total number of months that have counted, and many months that should have counted are missing, therefore I requested a detailed report on which months had qualifying payments. I first requested this information on XXXX/XXXX/XXXX and was told it could take up to 30 days. I called on XXXX/XXXX/XXXX to follow up, and was told by the customer representative it would take a minimum of 90 days. I asked to get this in writing and she could not, but connected me to the supervisor. I requested the same form from him and he said it could take at least 6 months for payment tracking. I called XXXX/XXXX/XXXX to follow up on the request, and asked if I could get a written report of what actions had been taken as a result of my inquiries to get this detailed report for me, however I was told I could not receive that information. The representative did tell me that a request on XXXX XXXX, XXXX was placed, however that request should have been processed within 60 days. 

Currently I am told I have XXXX to XXXX qualifying payments, however I estimate I should have at least XXXX payments qualify.
I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to them.