WillisBack/dataset-financial-user-claim huggingface dataset:
I received a bill dated XXXX/XXXX/XXXX for {$45.00} from XXXX XXXX XXXX. When I received this bill 6 months ago I immediately contacted XXXX XXXX XXXX regarding the bill to let them know 1 ) that this was a wellness visit to check my XXXX level and should be covered 100 % by insurance and 2 ) to let you know that the invoice states XXXX Uninsured Program on it. I have insurance and I provided my insurance information. A few weeks later I followed up again and then again to figure out what was going on. I was told on the phone that the bill was incorrect and they would resubmit with my insurance information. I said fine and then a month and a half ago I get a collections notice from aptly named XXXX XXXX claiming I owe {$22.00} and Im delinquent. I have never even received a bill for {$22.00}. The bill I received is was for {$45.00}. I am extremely disappointed that after diligently following up on this invoice repeatedly and providing my insurance information I am now in collections. I never even received a bill from XXXX XXXX XXXX for {$22.00} so I couldnt have even paid it. Im assuming that he {$22.00} is the same bill as the {$45.00} since the date of service is the same and I didnt have any other services performed that day. Clearly the {$45.00} bill was wrong as XXXX XXXX XXXX only sent {$22.00} to the collections agency but the problem is they never sent me in an invoice for {$22.00} so how was I supposed to pay this. I contacted XXXX XXXX XXXX on XXXX/XXXX/XXXX and they confirmed it was an error and that the invoice was never sent to me. At that time I paid the bill in full for {$22.00} and they told me they would handle with XXXX XXXX and not to worry about anything more. Then the day after XXXX I receive another Collection Notice from XXXX XXXX for {$22.00}. I called them and told them I already paid it in full and they said that 's not what our records show and that XXXX XXXX XXXX would need to tell them that. I told them I can email them proof I paid it a month and half ago but they were not interested in the email. I have always paid my bills on time and to be in collections over a {$22.00} bill that XXXX XXXX XXXX agreed was never sent to me is concerning. Then to be harassed even after it was paid in full is frustrating.
I spoke to the representative XX/XX/XXXX when they promised to remove the items XXXX and XXXX since it unverified and not mine. They removed all of the other names and addresses but forgot to remove the XXXX wrong items on my credit report that have yet to be verified. The representative on XX/XX/2016 made a smart comment about my XXXX and how its my problem to fix when it should of been removed as promised as of XX/XX/XXXX when I spoke to the first representative that added the fraud alert and went over my credit report and help me with my situation in getting what was accurate on my report.Very disappointed on how consumers are treated by you guys customer service. Especially to a XXXX veteran.
XX/XX/XXXX,XX/XX/XXXX, & XX/XX/XXXX - caller ID XXXX - does not display as Municipal Services Bureau , violates ; *use the telephone to harass debtors by calling anonymously or making repeated or continuous calls *using a false name or identification ; Sec. 392.302-causing a telephone to ring repeatedly or continuously, or making repeated or continuous telephone calls, with the intent to harass a person at the called number. 
805-a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer
I took a private loan from XXXX XXXX which now switches to Navient. Although I ca n't find a job using my degree yet ; I still make the effort to pay toward my debt. They used to take the payment directly from my checking account but they stopped since last XXXX. When I called to question why they have n't the payment from my checking they told me that I did n't renew the income based payment arrangement ( which I did in XXXX ) they verified the date that I told them I call to renew but they told it was n't done. When I asked what I can do to renew again they told me it was too late and I have to reapply again. They asked me for my employment /income information, my expenses then they told me I was in negative by {$900.00} so I was not qualified for income based payment. They changed my monthly payment from XXXX to almost {$300.00} which almost double of what I was paying. I offer to produce my tax return my son daycare information my rent payment and so on to verify that I was n't lying about my financial situation but they declined. They want me to have my co-signer a friend and a single mom of XXXX who 's already struggling on her own to pay the extra money they add up to the payment. Every time I called to make a fair payment arrangement they refused and kept making threat and harassing my co-signer every day. Whenever they talked to my cosigner they told her they were willing to make an affordable payment arrangement and I was the one who did n't want to pay them which was completely false. Since I decided not to take their phone calls due to their effects in my health, I paid them XXXX payment over the phone then I set up bill payment through my bank and paid them through my bank. Yet they are still threaten and harassing me every day with phone calls or my co-signer. They even called me at work and did not give them my work number or fax number. They even went further by faxing my work without my permission and got me in trouble with my supervisor because she thought I was the one giving them my work fax number for personal business. I had to explain to my supervisor that I was n't the one giving them the fax number and have to discuss my personal information at work which was very embarrassing. I have proof that they 've been getting their payment but they are still calling us and making our lives a living hell. I just want to know how can I stop Navient to stop harassing me to death because one of these day they going to cause me to XXXX for a {$25000.00} loan which I am trying my best to pay them every month.
Date : XX/XX/2018 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX  CC : XXXX XXXX XXXX   Consumer Financial Protection Bureau Federal Trade Commission Georgia Office of Attorney General XXXX  XXXX  XXXX XXXX XXXX XXXX / Directing Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX  To : 1st Franklin Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX  RE : Failed to respond to FACTA ACT FCRA 623 Letter Tracking number XXXX CFPB / Complaint Number XXXX XXXX XXXX on XX/XX/2018 I sent a FACTA ACT FCRA 623 letter via CFPB ( XXXX ) and certified mail with return receipt tracking number XXXX. As of today, it marks 30 days with no response, as per my letter I granted your offices 30 days to respond and your offices have failed to provide documentation that was demanded. With that being said, Ill allow you to go ahead and prepare a letter on your companys letterhead stating that this item be deleted at once and this deletion request must be forwarded to all three of the major credit bureaus and all parties carbon copied up above in this letter no later than 30 business days. My attorney will also will be awaiting a copy of the deletion request to be forwarded to his offices as well. Your immediate cooperation is needed at once.

Best Wishes XXXX XXXX XXXX
The company has not provided ANY proof of debt and are harassing me threatening to hurt my credit, etc. 

They have not sent me original statements and I have sent them the letter that shows this has been paid by charity at the hospital. 

All I have is what i had before a list of numbers which mean nothing to me. 

They did adjust the amount but are still attempting to collect fraudulently. 

tHE LETTER FROM THE CHARITY HAS ALREADY BEEN SENT.
I have been paying HHGregg through Sychony XXXXfor two years. Now it seems that I am at thebeginning balance since I purchased in 2013 XXXXSyncony XXXX is trying to make me pay over XXXXin interest, Also HHGregg sold me merchandise that wasnot working. Tried to return but tey would not take it.
An employee stole my daughter identity and went to regions bank of XXXX and opened up a business account added my daughter and her self on the account my dauther had no knowledge of this bank address in where account was opened is XXXX XXXX XXXX XXXX XXXX fl XXXX contact person foe the bank that know what happen is XXXX XXXX
After I paid my total balance and closed my card, I was charge 2 months of retroactive interest totaling to {$25.00} due to the " timing '' of when I closed my account.
This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced
My step daughter XXXX had XXXX loans in default, and XXXX not in default that I was a co-signer on. We were contacted by someone who claimed to be from Navient, someone named XXXX, but whom I have heard recently was with a 3rd party. About 13 months ago, we negotiated a settlement for all XXXX loans and sent a check to Navient. We were assured REPEATEDLY that the settlement would be for all XXXX loans. When we received documentation, only XXXX loans were listed. Over the past 4 months, Navient has basically been harassing me for payment of the XXXX loan, the one I was co-signer on! XXXX flat out LIED to us REPEATEDLY, engendering us to send a check. And knowing full well that we may have the means to pay AGAIN for the XXXX loan, cheated us by leaving the XXXX loan off the agreement that I was co-signer on! These people are thieves and belong in PRISON! They have been calling me 4-5 times a day for the past few months. I have told them full well that I will never give them another NICKEL! I would be pleased to make special effort, including travel, testifying etc., to join a class action law suit. Please let me know. My name is XXXX and I can be reached at XXXX
I went to the US Bank on XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX. XXXX XXXX was the teller that I spoke to. She was very courteous and professional. The problem is I presented a check drawn on US Bank, made out to my business, with a signature guarantee from XXXX XXXX, and she refused to cash the check or make it into a cashier 's check. I have done this without a problem before. She was nice enough to call a supervisor but the refused to cash the check as well. XXXX did mention that the " in store '' locations have different rules than the " main branches '' and to try again tomorrow at a different US Bank.
HSBC Bank USA , NA refused to issue a credit balance refund, upon receipt of a written request from me ( the account owner ), stating as their excuse that there was an outstanding XXXXmonth-old 'security hold ' on the account. ( This credit card account had been 'hijacked ' in XXXX 2015. HSBC was not able to resolve account security issues to my satisfaction so I decided to close the account but, first, I needed the credit balance refunded. ) HSBC refused to issue the credit balance refund, as required by Regulation Z XXXX, unless I first lifted the 'security hold ' ; Regulation Z does n't appear to allow that exception. We lifted and immediately reinstated the 'security hold ', as HSBC required and, supposedly, the credit balance refund request is now being processed.
I have been attempting to cancel an XXXX XXXX credit card administered through Bank of America to no avail. I tried to cancel XXXX by writing a letter but that did not work. I returned the credit card but two months latter I was sent a new XXXX. I did not activate the new card but was sent an annual bill for which I did not pay. Now B of A is billing me interest on the annual bill for the non-activated credit card.
XXXX XXXX BANK FAILED TO CORRECT ALL 4 CREDIT BUREAUS TO REFLECT ACCOUNT CLOSED BY CONSUMER-CLOSED-PAYING AS AGREED NEVER LATE.
A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.
I received a letter dated XXXX/XXXX/XXXX, indicating that I was eligible to receive a 50 % discount of the debt and have the debt deleted from my credit report. The original debt is {$3000.00} ; discounted is {$1500.00}. I responded on XXXX/XXXX/XXXX, the due date as indicated on the letter, by phone and was told that they would not speak to me and that I had to send an email to " XXXXXXXXXXXX ''. I requested a payment plan and offered to pay {$35.00} per month beginning XXXX. 

On XXXX/XXXX/XXXX, I sent a follow-up email as I had received no response. 

On XXXX/XXXX/XXXX, I received a response indicating that I owed the entire balance of over {$3000.00}. I responded back immediately and asked them to review my initial email. 

On XXXX, I received a response indicating I owed the entire amount.
I opened a check and savings account with Regions Bank on XX/XX/XXXX, with a promo to deposit {$400.00} into the checking account once a minimum deposit was added to both accounts ( submitted the same day ) and a minimum number of debit card transactions ( 10 ) was reached within 120 days. A debit card was n't mailed to me until more than 60 days after account opening, at which point I was unable to receive it because I was out of the country. The bank was unwilling to honor the promotion while accounting for the tardiness in sending the account products, and so I elected to close both accounts. I 've contacted the bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again today. In all of these communications, the bank refuses to close the savings account and return the money on deposit without sending a notarized letter - an action I 've indicated I will be unable to perform until I return to the US - late XX/XX/XXXX or early XX/XX/XXXX at the earliest.
On XXXX XXXX, 2016, I went into a Macy 's store to pay a bill. I provided a {$300.00} check, which my bank honored on XXXX XXXX, XXXX to my dismay, my payment was credited to the account of another Macy 's customer. After receiving my monthly statement and realizing that my payment was not applied to my account, I faxed to Macy 's a copy of my check, with my account number, and the receipt that showed that the payment was mis-applied. In addition, Macy 's charged my account a late fee of {$27.00} on XXXX XXXX, 2016. I have contacted Macy 's on 2 separate occasions asking that they correct my account to no avail. I have also asked that any negative information reported to crdeit rating agencies be similarly corrected. Please help, as their customer service is horrible.
I have been approved for Citi Platinum Select World Elite Master Card on XX/XX/XXXX with credit line of {$13000.00} and XXXX miles bonus from XXXX XXXX ( after making {$3000.00} purchase within first 3 month ). 
Promotion is eligible for people who didn't have account for 24 months. 
Because I had accounts with Citi Bank previously, I called the bank on XX/XX/XXXX to check when my last account was closed, so I would know when to apply for a new card. 
I was told that my last card was closed in XX/XX/XXXX. I verified that information few times, explaining to the agent that I need to be sure about that in order to get bonus miles etc. Assuming that it has been 24 months since the last card was closed, I applied for Citi Platinum Select World Elite Master Card on XX/XX/XXXXstatement if using Platinum Elite Master Card. I called the bank and was told that my last account was closed in XX/XX/XXXX, and I am not eligible for XXXX bonus miles, {$200.00} statement credit and any other benefits offered!!!! 
I have been waited for almost 2 years being aware of the Citi Bank policy, and could have been waited for another 2 months!!!! I called the bank prior to applying for, XX/XX/XXXX and was approved. 
I went to pay for my ticket on XXXX and there is a message about {$200.00} card the card and was misinformed by the agent!!!! 
Citi bank should fixed that mess and award my XXXX points and {$200.00} statement credit!!!
My COMPLAINT IS THAT WELLS FARGO DID NOT ACCEPT PAYMENTS FOR MY HOME MORTGAGE DURING THE HOME AFFORDABLE MODIFICATION PROGRAM APPLICATION PROCESS. This has caused me to be FIVE PAYMENTS BEHIND INSTEAD OF TWO PAYMENTS ... making me a candidate for FORECLOSURE. 
I have applied and reapplied several times for a Home Affordable Loan Modification with Wells Fargo Bank within the last 2-1/2 years or more. Because of the incompetency of the HARP representatives taking my application, there was always another piece of paper to fill out or some other information missing from my application ... and papers would expire and I would have to submit them again ... tedious, time consuming and XXXX.This happened several times and I had to submit a whole NEW HARP application several times and repeat the process once again. Every few months I would be assigned a new HARP representative making it even more complicated and long drawn out. XX/XX/2015, my application was finally accepted as complete but because MY LOAN WAS ABOUT TO MATURE WITH PAYMENT INCREASING IN XXXX, 2015, MY INCOME was insufficient to meet the demands of the NEW LOAN AMOUNT. TOTALLY UNFAIR AND ILLEGAL BANK PRACTICES. 
MY FIRST COMPLAINT is that Wells Fargo did not accept my home mortgage payments during the HARP program application process. I had the money in the bank and still do to catch up with my payments in which I am ONLY 2 payments behind. I have been struggling to catch up with HOPE of acquiring a home affordable loan but now my payment is TOO HIGH for me to catch up and and they are putting me into foreclosure. I have pleaded with them on several occasions to accept my payments and was CONTINUOUSLY REFUSED. 
In XXXX, 2015, my loan was going up over {$1000.00} per month so they stalled their response so that they could base my application information/income ( which was submitted against the prior lower payment ) which was les the {$1000.00} on this new amount and I was contacted with the NEWS that I did not qualify for a HARP because of the income to loan ratio. Tricked and totally stressed and beyond hopeless at this time. 
Meanwhile in XXXX 2015, they changed my Home Mortgage Account number and My ELOC Loan number and mailing address ... again disrupting and confusing. The payment was already sent through XXXX Online Banking and came back causing it to be late. I had to contact Wells Fargo to communicate this with them and that 's when I found out they changed the account numbers and address to where my payment should be sent. I am appealing with you to report them to whoever takes care of banks like this and make them aware of their UNFAIR AND UNSCRUPULOUS BANKING PRACTICES. They should be publically humiliated just like they are humiliating me by putting me into a category of an irresponsible individual. Meanwhile I pay over {$19000.00} a year in INTEREST ONLY for the last 10 years and 9 months. Please help me. My house is on the market since XXXX XXXX, 2015 with a lot of interest. This is the only asset I have and do not want to lose it to an unscrupulous bank like this.
I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.
Jefferson Capital Systems LLC is trying to collect a debt that was originally owed to XXXX ( XXXX ). This account was settled with the original creditor, and is now reported as paid. Despite requesting documentation that I owe them this debt, Jefferson Capital LLC, can not or refuses to produce such documentation, and continues to illegally attempt to collect this debt via telephone calls, letters, and lawsuit.
In 2007, my home was foreclosed on while I was called up as a XXXX in violation of the SCRA entitling me to recourse through the OCC and National Mortgage Settlement. I received a small check ( {$600.00} ) from the OCC settlement. ( Much lower than it should have been per their criteria ). I went through my Attorney General 's Office to try to resolve this. During their talks with Citi Mortgage, they were told that Citi had rescinded the sale of the home ( consequently they sold it to themselves ) 10 months later. However, public record shows that the sale was rescinded 2 years later. Either way, I feel I should have been entitled relief from Citi which I have been denied. I was never made aware that they ever rescinded the sale of the home, or that they re-instated the loan. The home has been destroyed by vandalism and weather leaving no value to the property. Earlier this year I was told they we 're again foreclosing on the home, but later they decided not to and are continuing to hold me hostage to this loan now 9 years later.
XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Re : XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Attn : CFPB This delinquency originated at the end of XXXX, and therefore should be off of my credit report. They need to provide the original referral for collection with the lease. If they can not provide this, per FCRA they must remove this from my credit file. 

XXXX XXXX XXXX