WillisBack/dataset-financial-user-claim huggingface dataset:
I had called a number back on my phone, thinking it was my health insurance company, but it was actually Phoenix Financial Services LLC, which they did not tell me until a couple minutes into talking. The man on the phone on XXXX/XXXX/XXXX said that I had a medical debt of {$560.00} that they were trying to collect on from XXXX Kansas XXXX XXXX XXXX. He told me that the XXXX was willing to take {$400.00} over 4 months. I know now that it had been on my credit report for so long that it 's closed on the report and has been for a while. I asked him at the time what would happen if I just did n't pay such an old bill now because I really ca n't afford another payment to someone now. He said that my XXXX XXXX would just keep going down XXXX it 's been going up, actually XXXX, which I take to be him threatening to XXXX up my XXXX XXXX. I told him that I would have to review my finances and get in contact with them in a week. In this time I received XXXX call on the XXXX, XXXX, XXXX ( called them back for initial conversation, at this point I let them know I will get back to them in a week ). I sent them an email letting them know that either the amount would have to be lower, or it needs to be paid over longer than 4 months. I received a call on the XXXX in reply that they would be willing to extend it just XXXX month and have me pay {$25.00}, {$25.00}, {$100.00}, {$120.00}, {$120.00} over that time. I did agree to this, but it 's weird, because this time the same man told me this was up to his boss, when earlier it was the hospital that supposedly said they would take {$400.00}. It 's deceptive in my opinion, because the hospital would n't even return a call about them, it 's obviously not in their hands anymore, so I do n't know why he initially externalized who the responsible party was. I agreed to send the first {$25.00} on XXXX ( today, which I have not sent as of writing this ). Today at XXXX pm I received a call with " XXXX XXXX ID. '' I assume this is probably the company trying to harass me without me having a way to call the number back. 

I do n't know if this is even a debt I 'm still required to pay because the last time I even heard anything it was from a different debt collection company years ago. If the account is closed, how can they threaten to destroy my credit? I took that hit to my score once already.
My PayPal balance of {$5400.00} has been withheld by PayPal. I already submitted XXXX complaint about this issue, and yesterday, PayPal filed a reply, promising : " On XXXX XXXX, 2015, PayPal made your full Account balance of {$5400.00} available for withdrawal. '' However this is not true. I have tried many times today to withdraw my balance as promised and the account is still blocked. I can not initiate any withdrawal.
On XX/XX/2018 I sent a validation letter to portfolio recovery about an account they have listed on my credit report. This was to include a valid ink signature not a copy of a copy or a copy of a statement. They only have sent me a statement and said it was valid. They refused to adequately validate the account and refused to remove it from my credit report. On XX/XX/18 I received yet again another letter from them stating it was valid with a copy of a copy of a statement. This item needs to be removed as they can not legally validate the account they are trying to keep on my credit report.
I MADE SEVERAL REQUES TO EXPERIAN TO UPDATE MY FRAUD ALERT PHONE NUMBER ON MY CREDIT REPORT. DESPITE THE SEVERAL REQUESTS, THEY HAVE NOT DONE.  THEY WOULD SUBMIT A RESULT INVESTIGATION THAT HAS NOTHING TO DO WITH WHAT MY REQUEST. IT IS VERY FRUSTRATING!
I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.
XXXX XXXXCalled company in question to again state that I had closed this account voluntarily months ago.The female in the collections department was aggressive and inappropriate in her conversation with me.I had explained that due to failing health I had closed this account.The finance charges are outrageous.Predatory in nature.They have repeatedly sent me notices and contacted me by phone.They offer a XXXX XXXX Rewards XXXX but it is virtually impossible to receive the awards.The credit card company employs rude individuals in the customer service department-as well.
I closed an account with Chase Bank several months ago. I left Chase Bank owing them approximately {$430.00} because I am unemployed and had some undiverted bills go through which overdrafted my account. I am a full time student and have been living on my student loans for about a year. I have been waiting on a student loan refund since Friday, XXXX XXXX. The refund was paid in the form of a wire transfer from XXXX ( student loan processor ) and it should have gone to my new checking account with a different bank. Unfortunately, the loan went to the old Chase account. Chase Bank informed me this morning that they deducted what I owed them from the wire transfer and sent the balance to me via U. S. mail but it was sent to my old address. Now I have to file an affidavit with Chase to put a stop payment on that check which will take 30 days. Then they can reissue another check. I first want to know did Chase Bank violate any federal rules concerning the ACH transfer by not returning it to its original sender? Also, did they violate my rights by deducting the debt from my student loan without my permission?
I have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the report.
I had a loan for a motorcycle through XXXX credit company. I received a check from my bank offering to transfer balances at 0 % for a year. I called XXXX and gave the clerk my check number and paid my loan off. The next month I received a statement stating that i owed for two months. I immediately called XXXX and spoke to a supervisor ( XXXX at ext. XXXX ). He apologized for their error on the check for it not going through and no one from XXXX called to tell me. I gave him the check again and it got processed correctly. He stated that XXXX was not showing a late payment due to their. So, my loan is paid in full and I have my title. I got my annual credit report and Equifax is showing that I was two months or more late and my credit score went from 728 to 684. This needs to be taken off my credit report and my credit needs to revert back to where it was. My account number for the loan is as follows:XXXX. Again, the supervisor that i dealt with was XXXX ( not sure on the spelling ) at XXXX. When I called on XX/XX/2017 and spoke to the clerk that answered the phone she reassured me that I was not a day late. I will be patiently waiting for this issue to get resolved. Thank you.
my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.
XXXX XXXX XXXX, XXXX XXXX CT, XXXX MI XXXX Phone : ( XXXX ) XXXX I was called on the phone by XXXX and they immediately asked me to verify personal information. I was unwilling to provide to a random phone call. I also identified that I was sure I knew why they were calling because of the collection notice I received. I told them I responded to the initial letter for a collection of {$1300.00} was not correct. 

On XX/XX/XXXX, I sent them via this website : file : XXXX : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX - the following message : I received a phone call today asking me to verify my information over the phone. I am unwilling to do this. Regarding my account that they called about today - I wrote a letter of dispute and sent it to you on the XXXX of XXXX. I have 30 days to respond as listed in the letter I received on the XXXX of XXXX. I dispute the callers comment that I refused to reply. It is not appreciated and I am documenting this reply. 

Further on XX/XX/XXXX ( still within the 30 days and using the same website sent this message ) : I previously wrote you on XX/XX/XXXX to report that I disputed the collections that you contacted me about. You have since sent me nothing but the overall bill, that does not equal the amount you are stating you are collecting. I need to understand how you came up with the amount outstanding, as I have cancelled checks and account statements that do not show the amount you are seeking is correct. Please provide me an accounting of how you came up with the amount in collections. 

To date, I have never received anything from this company other than an " original '' hospital bill with the amount owed that didn't represent the claim. In the interim, I had continued to pay the hospital directly until this was resolved. 

Randomly, they we call me to harass me, even when I indicated to them that I would deal with them in writing. No communications have come to me since the initial request. 

Unfortunately, I don't remember the dates of two other phone calls, but both were harassing in nature. The first revolved around me telling them to acknowledge both the mailed letter I sent in dispute and the web based dispute letter ( referenced above ). They refused to do both. The second revolved around me telling them to provide a valid claim and a proper amount and that any monies paid had to go to them. I told them I had a payment agreement with the hospital and was paying down the amount owed monthly ( sometimes twice ).
CRA VIOLATION NO KNOWLEDGE OF FRAUDULENT ACCOUNT WITH XXXX XXXX BANK ACCOUNT # XXXX, APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
I checked my account status online it shows a charge off balane as XXXX and I receive   a document for {$110.00}
Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief.
I made a cash payment for {$100.00} to satisfy my minimum payment. On XX/XX/18, I paid {$1400.00}, Lowes updates my account showing payment was received. However its being reported on my credit report as having only {$550.00} available out of {$2000.00}. I spoke with several managers who advised me bcs my account is new, theyll hold my account for 10 days. I never bounced a check or paid late. One manager stated bcs I made a cash payment for {$100.00} and paid {$1400.00}, which was an electronic draft from my credit union. It looks suspicious. I feel like Lowes is discriminating against me. I want my credit available and to be reported I have a XXXX balance with {$2000.00} available in credit. 

XXXX XXXX located in North Carolina
I obtained a 5/3rd Trio Card in XX/XX/XXXX from branch manager XXXX. Promotion was to spend {$1000.00}. in first 90 days and receive {$100.00} cash. XXXX, branch manager explained in detail that after this criteria was met it was as easy as walking back into this branch and receiving the {$100.00}. XXXX misrepresented the card, saying it would really be an added promotion to an existing 5/3rd card I have, as I was sensitive to the fact that part of my credit score was helped by having the long existing 5/3rd card. XXXX assured this would be the case instead a new start date with a brand new card was initiated, affecting credit score. I did spend the {$1000.00} in the first 90 days.

I have gone in now 3 separate times to resolve this, speaking with XXXX XXXX XXXX and now XXXX XXXX. Each trip was over 30 min in length due to each of them not resolving the issue. All 3 state it is clear I have met the criteria, but " corporate or credit division or whoever '' does not show the correct amount of reward points and all have tried to make this correct. 
Latest visit was yesterday, XX/XX/XXXX to XXXX, manager, who after 40 min took my info and assured that a regional manager would call same day. I provided phone and email, no call or email. I just want to receive the {$100.00} promised to me
This company is trying to collect a debt that is not owed. XXXX has been continually trying to charge me for XXXX phones that were RETURNED to them. I sent this collection company a dispute letter and they never verified the debt, Instead they put it on my credit report and are ruining my credit for an invalid debt. This company is violating the FDCPA. This is a fraudulent debt and this company has not provided me with the requested debt validation letter.
I was laid off XX/XX/XXXX. My mortgage at the time was through XXXX and I was on an excelerated payment schedule, I also made a monthly payment towards the premium. In XXXX XXXX, my mortgage was sold to Chase Bank, I was unable to make payment online AFTER scheduling autopay which was never deducted from my account, I fell behind by 2 month in XX/XX/XXXX and XX/XX/XXXX- I made a double payment in XX/XX/XXXX and scheduled an additional double payment for XX/XX/XXXX My XX/XX/XXXX payment came out of my account but the XXXX XXXX payment did not. XX/XX/XXXX, I requested a mortgage modification, I made the trial payments, sent in the paperwork ( I was not nor did this modification LOWER my payments- I just wanted my mortgage to be back on track ). In XXXX XXXX I received notice that my house was in foreclosure. I was told there was an issue with the signature date being different from the notary. I had to reapply for the modification, I started a NEW trial period. Made all my payments- received the paperwork to be notarized at the same time I received another foreclosure notice due to my trial payment 'failing '. I had completed all payments. XXXX XXXX I complete ANOTHER modification agreement and begin my trial period of payments. The 3rd month in- they refund my check stating I paid 'too early ' ( 9 days early ). I resent the payment - which is now 5 days late due to not being aware that although they took the money from my account- they were not applying it to my payment. I receive another final paperwork to be notarized, I send in all the paperwork. On XXXX XXXX, I receive a letter from Chase stating there was a signature missing and I have to AGAIN fill out the paperwork, have notarized, and mail back. On XXXX XXXX, it came to my attention that Chase had AGAIN filed foreclosure on my home. This is a SCAM. I have sent in what they have asked- there is no reason that after THREE times of this and their vague excuses of what is going on is infuriating! I owed XXXX on my home when Chase bought out my mortgage- now, due to 'fees ', etc- I owe XXXX. They have no interest in helping and I was told by the law firm representing Chase that I should 'file for bankruptcy '. The only debot I have is MY MORTGAGE- my credit card balances have never exceeded XXXX and I pay them off once a year- all of my other bills are current. This is insane and unfair to homeowners without a team of lawyers as Chase has. This is MY HOME- I did not have a problem the first 3 years with my other lender. I have jumped through hoops to do what they asked of me and I have nowhere else to go.
My original mortgage was executed in XXXX XXXX, and within a month it was sold to Wells Fargo Home Mortgage. We have experienced an increase of {$400.00} per month in our house payments since that time. Wells Fargo claims that all of the increases have been because taxes or insurance have gone up or " the State of Texas is requiring more padding. '' Every year we go to the appraisal district and have kept our taxes basically where they were in XXXX. Our insurance did increase a large amount with the XXXX XXXX, renewal because the company left the XXXX umbrella. We now have a new insurance company and the price dropped over {$600.00} each year. 
In XXXX XXXX, I inquired with Wells Fargo about paying my own taxes and insurance and they were amenable to that at that time but we decided to wait until my Trust Fund would become available at the beginning of XXXX. I immediately called Wells Fargo to let them know that we wished to begin paying our taxes and insurance and they told us FIRST that the FHA did not allow that and when I referred them to the RESPA website, which clearly indicated that there was NOT a FHA requirement that escrow must be held by the mortgage company. Then they claimed that it was their personal policy. I responded by stating that there was nothing in any of my loan documents that indicated that I could not elect to pay for my own taxes and insurance and in fact there was an election that enabled me to choose what I preferred at the time the mortgage was closed. After this discussion, I was referred to an " executive mortgage '' consultant who said that she would see if they could " relax their requirement '' in our case. A week later, she called back to let me know that they could not. At that time I informed her that I had gotten new homeowner 's insurance and that I would be taking care of that personally. She was not happy and this time she tried to use the excuse that FHA required that I have an escrow account. Again, I referred her to the RESPA website and then, just as the other agent did, she said it was Wells Fargo 's policy! I was flabbergasted and held my ground by telling her that the insurance had already been paid for and that I would need that amount removed from my payment and that they would also owe me for the insurance accrued in my escrow account. She didnt respond and the call was ended. Here we are a week later and my escrow account and house payment have not been corrected to reflect the removal of the insurance charges. Wells Fargo is creating excuses to retain escrow amounts for their own financial purposes.
LexisNexis is claiming to need my identity information to send me the results of a continuing investigation. I requested an investigation XX/XX/2018, they sent without identifying information the results on one item from the list below. Lexisnexis continues to report unverified information to my credit file in violation of FTC regulations and not requiring ALL consumers provide this info. 
Additionally, LexisNexis has violated the FCRA 30-day regulation. The following items in question should be removed from my credit report. 

US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine US BKPT CT IN XXXX XXXX not mine
I contacted Experian in reference to several accounts that are appearing in my credit file that contain inaccurate information The following accounts are remaining on my credit file even after I disputed on several occasions, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have supplied my identity theft affidavit along with my identification and a police report and these inaccurate items remain on my credit report. I have even requested for a copy of any of the contracts I initiated with my signature to be produced to Experian where the accounts were " verified '', still nothing has been provided to me, yet they continue to report inaccurate information that is continuing to deteriorate my credit file.These items have been deleted from the other two agencies. The items are : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.