WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX XXXX, my wallet was stolen while I was visiting my grandmother in XXXX, TN. I noticed fraudulent charges on my XXXX XXXX XXXX even though the card was PIN protected. I immediately reported this to XXXX XXXX. They assured me that they would get this resolved and I was advised by the service representative to not make any payments - until I received confirmation via mail that the charges had been cleared. I never received any sort of confirmation and it is now XXXX. In lieu of the confirmation, I did receive two late charges of increasing value ( I was able to get the first one waived ). In addition to these fantastic gifts from XXXX XXXX, I also began to receive phone calls from their debt collection department saying that my account was delinquent. Last week, I explained in detail to the collections representative ( XXXX ) the aforementioned series of events, and I informed her that I have no issue paying my debt - so long as XXXX XXXX did not report my account as delinquent to the credit bureaus. She agreed to note that in my account details, and said that - as long as I paid the payments for XXXX and XXXX XXXX ( totaling {$160.00} ) - my account would be in good standing and not to worry. Well I paid {$200.00} ( Im no mathematician, but Im pretty sure thats {$39.00} more than my overdue balance ). Okay great, so thats the end of that right? WRONG. I log into my credit reports this morning, XXXX XXXX XXXX, and notice that my credit scores had dropped by XXXX and XXXX points since XXXX XXXX XXXX. After some investigation as to why this has happened, I discovered that XXXX XXXX has listed my XXXX as XXXX days overdue. I call XXXX XXXX   again with two directives - waive this usurious late charge and correct the status of my account. After many transfers and long holds, the service representative ( XXXX ) advised me that theres no account notes, nothing she nor her supervisor can do, and to contact the dispute department when they open on Monday. Im nonplussed honestly. I went from having good credit to poor - right before I plan to move across country, and get an apartment. How am I supposed to do that now with poor credit? In addition to all of this, I cant even see my account balance. When I go to check it online, it just shows XXXX XXXX XXXX [ **** ] . paydown to {$0.00}.!! DO NOT DO BUSINESS WITH XXXX XXXX!!
XXXX XXXX and XXXX XXXX XXXX is being reported as a medical debt owed. However, no such debt is owed due to my insurance paid the original creditor. Also, I was not given notice that I owed a medical debt. I seen this on my credit report for the first time.
PDM ( Professional Debt Mediation ) send me letter XXXX XXXX, XXXX that my account with XXXX XXXX has been referred to them for collection and I need to send them {$78.00}. The bill from XXXX XXXX ( another name XXXX XXXX was {$31.00} and was paid upon receipt by check # XXXX XXXX/XXXX/XXXX and cashed by company XXXX/XXXX/XXXX. there was a typo with year on check, but company was able to cash it. XXXX was informed ( copy of the check both sides and bank statement was provided by fax, mail and registered mail as well as PDM. Last time PDM was informed I have an attorney to present me and requested not contact me but they still sending me letter, last one XXXX XXXX, XXXX.
The bank BBVA Compass charged my checking account discriminatory XXXX NSF charges of XXXX each totaling {$380.00} and they did this while not processing charges I made to my account in the order they would normally process to a bank. Therefore they changed the way transactions process so they could knowingly profit off of charges by discrimination.
I have accounts showing charged off on my credit report. I have contacted these companies directly and disputed with all three credit bureaus. The companies send me a copy of an itemized bill, and state the the account was opened online. The credit bureaus send what appear to be a generic form letter stating that they have investigated the account and will not re investigate it. I have requested that they provide me with copies of any documentation associated with this account, bearing my signature. I have also advised them that as per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 
I feel that I have done all I can do and have not been able to get any results.
I am a XXXX man with hearing problems. I purchased a hearing aid which was sold to me as 12 months same as cash. I received a coupon booklet with payments starting in XX/XX/XXXX. I have made every single payment starting on XX/XX/XXXX with the impression I would not own any interest. XX/XX/XXXX I received a letter from Allegro Credit stating I owned {$610.00} interest. I called Allegro and they stated they sent a notice XX/XX/XXXX regarding this I never received this notice, furthermore, they never sent any monthly notice reminding me what I owed and when the same as cash ended. I find this very deception. Why would they not send me a monthly statement, and only provide a coupon book that started in XX/XX/XXXX. As a lender they should be required to give me a monthly statement. I now owe money that I will need to borrower as I can not pay this. This should be illegal for Allegro to be so deceptive.
I underwent a XXXX XX/XX/2014 at XXXX XXXX XXXX Hospital, XXXX, KY, the XXXX of XXXX that year. The first XXXX were properly billed and paid by my Medicaid insurer. In the case of the XXXX XXXX, the hospital attempted to bill the wrong insurance carrier, then failed to recognize the error for more than a year. Now, XXXX XXXX 's has turned the bill over to Central Financial Control for collection. It is illegal for a hospital to send a collection agency after a Medicaid recipient. Under Kentucky law, balance billing is prohibited for Medicaid recipients not in an XXXX.
FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. 

They are sending out letters to people
In XX/XX/XXXX my vehicle was deemed a total loss by my insurance company. My insurance company called XXXX XXXX XXXX and informed them, hyundai closed my account and sent me a letter stating they would handle the recovery from the Gap insurer. My insurance company issued a payment to Hyundai in the amount of XXXX on XX/XX/XXXX. I called XXXXXXXX XXXX   almost every week to get status to make certain the account was ok, at that point I no longer had online access to the account. Hyundai reassured me they would recover the remaining funds from GAP, I called GAP just to be sure and they told me Hyundai was not communicating with them. I then began to gather all the documents GAP needed and forwarded the same to complete the claim, on XX/XX/XXXX Hyundai received a payment from GAP, Hyundai then forwarded me two refund checks and sent a letter stating the account was paid off. In XX/XX/XXXX I received negative reports on my credit noting a charge off and late pay, I never made a payment that was 30 days or more late and my account was paid why put it in charge off status? I called Hyundai several times, they have not fixed the issue to date. I filed a dispute with the credit bureaus, it was fixed then Hyundai reported negatively again.
I was at work when my co-worker called me into his office to hand me his phone. It was a woman from Navient asking my coworker about me. I took the phone from him and she came off screaming at me telling me that if I do n't pay my student loan I will go to jail and that I owed {$26000.00} I need to payment I do n't have any more time to pay I took all the time I need already. I was so embarrass that I gave her my phone number to call back so I talk to her outside my job. When I spoke to her she was nasty phone after work she told me I need to pay or she will garnish my pay and I need to give a check today for {$6000.00} and she will see what she can do after that. I was so scared I call and got transfer over to Navient letting me believed it was real. I call XXXX because I did not believe that my loan was with this company Navient. She told me I need to go borrowed from my husband, parents, friends and my employer to pay the loan back. I ask if I can me an agreement to send {$1500.00} first and then send payments of {$500.00} each for several months I went on my XXXX XXXX account I never saw the payment posted to my account and that put me in even more trouble owing more.. I called XXXX again and each time I got Navient. This women also had my mom 's phone number and call me mother to get payment from her.
This collector has been calling every single day multiple times for the past 10 months. I have printed out phone records and dates written down of each time they 've called and on multiple occasions I told them I did not have the funds. I tried blocking their phone numbers but they continuously call every single day with a different phone number at all times of the days and nights. It has not been one day in between that they have not called me in months trying to collect a debt. I finally broke down today and told them they are harassing me.
I have asked Central Financial to validate a collection they are reporting on my credit reports from XXXX/XXXX/15 to XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
A bank account at Citi Bank is being used for wire fraud scam and Citi Bank does not act to shut down the individual. I recently got a message from XXXX saying they were not able to recover my money because Citi Bank responded that XXXX XXXX XXXX has taken the money. Citi Bank did not act on my request for a recall quickly enough. Citi Bank did not place a hold on the money reason for it being gone. Recall refs # XXXX, Wire transfer transaction number XXXX. The wire transfer was done from XXXX to Citi Bank.
ALL CRA REPORTING PUBLIC RECORDS ON CREDIT REPORT ... I NEVER HAD ANY BANKRUPTCY AND ALL AGENCIES REPORTING INCORRECT " PACER '' DATA ON FILE/ NOT MY ACCOUNT ..CASE # XXXX..VIOLATES FCRA PROVISION 604,605,607,611 AND 623 ( A ) ... REMOVE FROM CREDIT REPORT ASAP [
I have had a student loan with XXXX then and now Navient since XX/XX/XXXX, I am not sure what the original loan balance was but I want to say it was around {$40000.00}, apart from when I was in school and not paying them I have been paying my student loans since XX/XX/XXXX consistently, I have had a few months that I had a forbearance and now I am on an income driven plan which was supposed to help reduce my payment but it seems like around a {$9000.00} decrease in almost 13 years does n't make much sense, going at this rate it would take almost 60 years to pay off a {$40000.00} loan, even a house loan only lasts 30 years, this is insane and part of the problems with student loans and the loan debt, I think it 's funny how now the lawsuits are coming up against Navient and I think I am a prime example of their lies and deceitful business
This debt collector is not bonded in the state of Texas and by law, they can not attempt to collect a debt. I have already tried to dispute this, the debt company and credit bureau will not comply.     Section  392.101  of the  Texas Finance Code prohi bits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.     {$470.00 } 2  accounts reported on   XXXX   XXXX   XXXX   This agency did not report an open account to this bureau.   Open Account #  1 { $93.00}  Balance Original Creditor   XXXX   XXXX   XXXX   XXXX  {$93.00} Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.   Responsibility Consumer disputes this account information Medical Remarks Note Open Account #  2 {$ 380.00} Balance  XXXX   XXXX   XXXX   XXXX  Original Creditor {$380.00} High Balance   XXXX   XXXX   XXXX   Opened Date   XXXX   XXXX   XXXX   Last Reported Individual Account.    Responsibility Consum  er  disputes this account information Medical Remarks Note
Hello I had submitted multiple request for validation on a XXXX XXXX account. Transunion and XXXX XXXX XXXX keeps say that validated my account without having my original contract on file. SECTION 609 of the Fair Credit Reporting Act does not care whether the negative account is valid or not. The letters dispute the Credit Reporting Agencies right to REPORT the adverse account - NOT whether or not the adverse account is valid.
This debt is reporting to all 3 credit bureaus and is effecting my credit. This debt is not mine. I have reported theft of my identity. I never signed a contract for this.This debt is reporting an amount of {$620.00} owed, stating it was open n XX/XX/2016
On XXXX/XXXX/XXXX, I called customer service to pay off my credit card. They gave me the balance of {$2400.00}. On the same day, I made my payment in full. After making the payment, my account balance was XXXX. On XXXX/XXXX/XXXX, I saw an amount of {$24.00} on my card, I called customer service to find more about those charges. I spoke with XXXX, he was from card services Texas center. He said {$24.00} is the interest charges, after informing him about the whole situation, he said as a one time curtsey they will waive the charges but at that time charges were still pending that 's why he could n't waive it and asked me to call back once its posted. 
I called back on XXXX/XXXX/XXXX and spoke with XXXX from Nevada center, she refused to waive the charge. She said her representatives miscommunicated with me and gave me the wrong information regarding the pay off quote and waiving the charges. She said, she will communicate with her agents on this matter and disconnected the line. She either hung up or the line got disconnected. 
I called back again right away and spoke with XXXX XXXX from Virginia center, she read all the notes written by XXXX on my account and said there is nothing she can help me with.She did n't even go over my account or made any attempt to help me. 

I have made a full payment on my account, if Bank of America XXXX have made a mistake then they should stand behind their mistake and take care of this matter instead of hanging up on me or making excuses. 

I want Bank of America to waive the {$24.00}. 

Thank you XXXX XXXX
After carefully reviewing my credit report, the report showed credit inquiries and collection accounts that are not accurate. I did not authorize the inaccurate inquiries found on my credit report and I understand that the bureau are not to put an inquiry on my report unless I have authorized it. There are also some collection accounts listed on my credit report to be an error. I never had an account with those creditors and I do not owe those debts. 

On XXXX/XXXX/XXXX, I sent dispute letters to the credit bureau via certified mail so that the items could be investigated and reviewed with the creditor to be removed from my credit report if they can not verify the inquiries and collections by the provisions of the Fair Credit Reporting Act. 

As I stated, this was back in XXXX of XXXX when I sent the dispute letters. It is now XXXX of XXXX -- 6 months later and I have not receive a response back from the credit bureau regarding my dispute. Under the XXXX XXXX Sec. XXXX ( a ), the investigation must be complete within 30 days of receipt of the letter sent to the credit bureau.
Equifax is reporting a judgement on my account that does not belong to me case number is XXXX. I 've enclosed the case information. 
1 ) I 'm not the defendant that 's being sued
I paid UCB ( United Collection Bureau ) in full in XXXX of 2015 for a debt owed on state of AZ taxes. In XXXX 2015, the IRS took part of my refund and paid the state of AZ. AZ has attempted to work with me to get UCB to refund the payment made to them as I now have paid twice. For 3 months, they have put me off and told me it is being researched, or that the case is closed, or that they do n't know what the state wants. I even called them with the state on the line, and they told us someone would look into it and call us back : no call back ever received. I have made multiple calls and get the same answers every time. Recently they have become rude, and put me on hold, never coming back to the line. I just want them to send back my {$250.00} please.
I had a debt. from a health care company turned over to collections with XXXX XXXX XXXX. I paid this account in full and it is marked paid with a XXXX dollar balance on all of my credit reports. XXXX agreed to remove it from collections on my credit report since it had been paid in full and the original balance was only {$130.00}. However, both XXXX and Transunion refused to remove the item from collections on my credit report, even though the account showed a XXXX dollar balance on both reports. Both comapanies told me they could not do anything for me unless XXXX XXXX XXXX sent them and electronic agreement that they wanted the item removed from my credit report. I contacted XXXX XXXX XXXX multiple times and they repeatedly claimed they sent this request to all three credit bureaus and can do nothing else to help me.
FICO ( R ) Score XXXXPowered by ExperianXXXXCredit Rating : FairXXXXGenerated : XXXX XXXX, 2015SEE ALL XXXX FICO SCORESYour score is below the average score of U.S. consumers, though many lenders will approve loans with this score. 
Why did my score changeLEARN MOREKnow more, Save more. Get Your FICO ( R ) Scores Now! 
Get XXXX Reports and FICO Scores to check for potential inaccuracies. 
What 's helping your score? 
No missed paymentsYou have no missed payments on your credit accounts. 
Long credit historyYou have an established credit history. 
What 's hurting your score? 
Collection item and/or PRYou have a public record and/or collection on your credit report. 
Number of collections on your credit reportXXXX collectionsThe presence of public records ( such as a bankruptcy or tax lien ) and/or collections are powerful predictors of future payment risk. If these are valid, satisfying the public record and paying off the collection will not remove them from your credit report. The fact that they occurred is still predictive of future payment risk and will be considered by your FICO ( R ) Score. However, as the items age and fall off of your credit report, their impact on your score will gradually decrease. Most public records and collections stay on your report for no more than seven years - though bankruptcies may remain for up to XXXX years. 
Few current accountsYou have few accounts that are in good standing. 
No installment loansYou have no recent activity from a non-mortgage installment loan. 
High credit usageYou 've made heavy use of your available revolving credit. 
Score TrackerTrack changes in your FICO ( R ) Score and credit rating, based on your Experian Credit Report. 
Your score is automatically updated XXXX monthly and each day you log in. 

Average score is : XXXXExceptional+XXXXVery GoodXXXXXXXXXXXXGoodXXXXXXXXXXXXFairXXXXXXXXXXXXPoor & lt ; XXXX/XXXX/XXXX 2015XXXX 2015XXXX 2015XXXXHow your FICO ( R ) Score is calculatedClick on each score factor piece to reveal more. 
30 % Outstanding DebtWhat you should knowUsing your credit responsibly can positively impact your credit and FICO ( R ) Score. However, maxing out your credit cards and increasing your debt can have a negative impact since lenders may perceive your increased outstanding debt as a sign that you are living above your means. 
I do n't have any public record reporting on my report but yet Experian is saying that I do and that it 's hurting my score ...
This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. 








C/C XXXX XXXX -Attorney General State Of CA.
I boarded my pet at XXXX XXXX XXXX Hospital in XX/XX/XXXX. We received a call while on vacation saying that our dog needed treatment. We specially declined treatment due to the financial cost ( currently unemployed ). Our contract also states that we would deny treatment. Treatment was administered, upon returning to pick up my pet. I paid for the charge in full. I then disputed the portion of the treatment that was not authorized. One week later our case gets sent to Capital Accounts, a collection agency. I provide them with a copy of the receipt showing the amount paid in full. The remaining disputed portion is between XXXX XXXX  and XXXX XXXX I received a {$0.00} balance from capital account and now I get a call every two days from a different person trying to collect on the disputed debt amount.
I am being continually harassed by CLX Systems/Westwood Management , Inc. They call my house and my cell phone multiple times, sometimes many times in the same day. Now they are harassing me at work. Now, they are faxing and calling my office to in an effort to embarrass me. 

It is on going and relentless. I would like it to stop. 

If you would be so kind to help stop CLX Systems/Westwood Management, Inc from continually harassing me I would greatly appreciate it. 

Thanks you
Good Day! 


{$1500.00} car loan posted on credit report as a charge off. The lender company said that I am behind in payments but I crashed that car and all the charges were paid by the insurance inclusive the GAP, but this company insist that I was supposed to do payments during the resolution of the case something that nobody told me.
On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.