WillisBack/dataset-financial-user-claim huggingface dataset:
ARS account resolutions also noted as XXXX XXXX XXXX of XXXX in the amount of {$1200.00} on my credit report since XXXX should be removed. I am not aware of who or what this medical item is and have NOT been to a hospital since XXXX. I had medical insurance thru my company at that time, this all medical items from XXXX were paid thru insurance. This company has never contacted me via phone, nor have I ever received anything via Mail about owing such a large medical bill since I was never hospitalized. I never received notification of owing such a bill from this company and there is definitely not enough information from the listed details ( no details of debt, who bill is for, details of creditor not dates of service indicated ). Please remove from my credit report and lost this company as fraudulent. THANK you in advance.
My husband owes a credit card debt for {$450.00}. The account was opened with his permission by me, his wife. The balance is in collections, and the collection agency is threatening to file charges for fraud since my husband is incarcerated. I offered to send them written authorization from my husband, but they declined. This card was opened to purchase belongings for my husband since he wws coming home soon. I set up payment arrangements because of the threat. I made one payment, but was unable to pay more because my income is not enough to pay them among my other household bills. I should n't have to live on fear of this company because of this. I offered to send them permission from my husband, but they declined so they denied my right to prove it.
XXXX I contacted Chase Slate card services twice to get a pay off for XXXX credit cards. I was told they could not give me an amount. I paid the balance on both cards and closed the accounts as of XXXX XXXX 2016. I the received a bill for {$170.00} XXXX XXXX XXXX I went into Chase and spoke to a loan officer about getting pay off. She spoke to Chase services and told me to pay {$170.00} that day. I did pay the amount. I contacted the WA Attorney General because I felt they should have given me a pay off. Today a representative of Chase called me I was told I had to pay an additional {$11.00}. I went back into a Chase bank a loan officer called services and spent over an hour trying to get this fee waived. He was told no. We offered to pay the amount if we could have an email or something to say it was paid off. The card rep said no. The local loan officer was told it was the principal. I then found out the {$11.00} was for XXXX of the cards that had a XXXX balance when I checked XXXX XXXX. The {$11.00} posted XXXX XXXX. How can I get them to stop charging me and why cant they calculate a pay off when someone calls even their loan officers. I am told all is legal. Sounds very wrong to me.
I, XXXX XXXX, acting as Power of Attorney for XXXX XXXX, am submitting this complaint on our behalf. My brother, XXXX, took out this mortgage, but I am the co-owner of this property and I am listed on the deed. I have lived in this home since it was purchased by XXXX for me and I also have a Power of Attorney signed by my brother that authorizes me to transact any business related to this property. I have enclosed a copy of that Power of Attorney to this complaint. I have made all the mortgage payments on this property, but began struggling to make my monthly mortgage payment since XX/XX/XXXX when the mortgage payment went from $ XXXX/month to approximately $ XXXX/month. I have been communicating with the servicer and applying for a loan modification since that time. I have submitted applications and supporting documents for 3 years now with no result. Recently, in early XXXX, I submitted what I believed to be a complete loan modification application to XXXX XXXX and I was awaiting the results when my loan was transferred to XXXX XXXX XXXX around XX/XX/XXXX. On XX/XX/XXXX, after my loan was transferred to XXXX, I received a solicitation from XXXX that my loan is qualified to apply for the " Mortgage Freedom '' program. The solicitation said the program did not require a paper application or any supporting documents. Since that time until the present, me and my HUD approved housing counselor have attempted to contact XXXX to discuss the Mortgage Freedom program. Unfortunately, we have received no response from my Single Point of Contact at XXXX, XXXX XXXX, nor any other representative from XXXX. We have left numerous voice messages that have gone unanswered. My home is currently in foreclosure and a sale date may be set soon. I need help now!
An item was reporting on my account that was not mine. I asked both Equifax and the creditor for validation per FCRA rules. This was removed as a result since it could not be verified. I just noticed that this account has been put back on my account.
My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.
On XX/XX/XXXX I sent a certified letter reference # XXXX to TransUnion at XXXX. XXXX XXXX XXXX, PA XXXX and on XX/XX/XXXX I sent another certified letter reference # XXXX asking for information and validation of three bankruptcies that they have continued to wrongfully report on my credit report. In the letter 1st letter dated XX/XX/XXXX I requested the TransUnion provide me with the name of the courthouse, the name of the clerk who verified the bankruptcies, address, telephone number, documents used to verify the information being reported, name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to. 
I contacted the courts on XX/XX/XXXX to request information. Please the attached letters and repsonses. 
I then initiated an online dispute dated XX/XX/XXXX after contacting the courts regarding these reported bankruptcies An auto generated email response was sent on XX/XX/XXXX from TransUnion acknowledgement of the dispute and in addition a link for use to track any updates for the dispute was emailed to me. To this day TransUnion has not provided any online correction or feedback only a generic letter mailed to my home address stating all items had been verified as accurate. 


TransUnion is illegally reporting information that has not been verified with the original furnisher as well as reporting false and inaccurate information. Under the Fair Credit Reporting Act 's to all the above requested and if not provided all disputed information must be deleted. 

Thank you
My account was closed in XXXX of XXXX with BBVA due to nsf fees. I recently got an online loan from a company I have previously used with this account as well. I thought I had changed my acct and routing number from bbva to XXXX. They took my loan and covered the nsf fees even though my account was closed. They took the loan on XX/XX/XXXX. I am now expected to cover the amount of this loan and the finance charge due to this bank forcing me to pay a debt. They wont even let me pick my money up from the branch nearest me
This date, XX/XX/2018 regarding online access to the Cabela 's Visa Card account that has been purchased by cards. I was on the phone with a XXXX card representative and then his supervisor fo over 40 minutes today, trying to arrange online user name and password to my account to obtain charges made and statement thereto. 

I was informed that I could not do that unless I enrolled in ONLINE BANKING with them. 
I refused to give them that access and therefore their policy is I can not view my statements or charges online. 

I believe this to be illegal coercion and want to file a complaint against XXXX 's practices.
I receive continuing telephone calls from the phone number XXXX, which is an area code close to my home so it gives the impression it is a local number. Most are some sort of autodialer and then when I answer, no one talks. Today I received a call from this number and the individual ( XXXX ) said he was from Unifin, Inc. XXXX said he wanted me to pay a debt against an account that I do not know anything about. My name is the same as my son 's name, and consequently my son " may '' owe the debt buy I do n't know for certain. I told XXXX at Unifin that I was not responsible for the debt, that my son and I share the same name, and asked him to give me his company name and mailing address so I could dispute the debt. XXXX said I should either arrange to pay the debt myself or put pressure on my son to pay his debt. When I asked XXXX again for the details on their company and the nature of the supposed debt so I could dispute it, he got obnoxious on the phone and then hung up before providing the information I would need in order to send a request to dispute the debt. After XXXX at Unifin hung up on me, I called the XXXX number back to get more details. However, the person who answered was now XXXX at a company he said was XXXX or XXXX ( or something that sounded similar to that ). Without even giving him my name, he said he needed to talk to me about a debt I owed, giving me the impression that my phone number must have been loaded in their automated phone and records keeping system. I explained to XXXX at XXXX ( sp? ) that I was not the person they were looking for and requested that my name be removed from their records as having any association with the debt case. I also asked XXXX for contact information on his company, including how to spell their name and their mailing address so I could dispute any potential debt. At that point XXXX hung up on me without providing the requested information.
So the credit companies have a security breech, and I freeze my credit. I should n't have to pay {$10.00} to Experian every time I have to freeze or thaw my credit. They make the mistake and I have to pay for it. So they will profit from their neglect.
Experian Report # XXXX XX/XX/18 Experian has not updated m several accounts as paid listed as paid on time or nothing since XX/XX/2018 XXXX XXXX account ending in last 4-XXXX XXXX XXXX XXXX XXXX account last 4- XXXX/ XXXX XXXX XXXX account last 4-XXXX  XXXX XXXX   account -XXXX XXXX XXXX XXXX XXXX last 4- XXXX   XXXX XXXX XXXX last 4- XXXX I call all of these accounts and was told that they report for the month so that means Experian is not updating credit reports as they state there doing month to month.
I have a loan on my credit report for XXXX which I never applied for. I have contacted the company & credit bureau several times to dispute this debt. I have never received any documentation in the mail with my signatures to validate this debt.
Due to tort and wrongful interference PayPal who is run by the XXXX. So this complaint is about PayPal and their bank by the name of XXXX has mysteriously decided to close my account with no good reason. I am using my debit card from XXXX XXXX law enforcement force under California 's Attorney General XXXX XXXX and gangs alike can all track/trace my accounts equally~~~~ all I did was buy a drawing and they all act like pigs and bigots! 

Of course PayPal has no excuse for their XXXX XXXX XXXX it's very easy to verify who I am and I'm always having to verify who I am 999 million times! Thats the excuse from the financial system it's called targeting by people who can not be in tech or police! 

This is just pure financial, harassment, discrimination and bigotry by people who should not be able to track and trace XXXX XXXX is a disgrace and so is law-enforcement and neighbors in California!
My account with AD ASTRA RECOVERY SERVICES, INC. was paid in full. ( Please see attached letter ). The loan was XXXX {$400.00}. It is now in collections on XXXX XXXX, XXXX and XXXX. I called the 3 credit bureaus to have them to remove it, but the representative told me that I need to provide them a letter from the creditor showing that it should be removed or deleted from collections and not showing paid in full on the letter. I would like help of removing it from collections on all credit reports a.s.a.p. Thanks You
I had a HSBC credit card taken few months back and used it for making purchases and also paid the amount in time for the initial statements. I don't know that my card is been blocked for security reasons and even I'm blocked from paying payments towards the amount used in the credit card. Its been almost 60 days by now that my card is been blocked and tried to reach them for 32 times waiting each time for 1 hr and my issue is still not resolved. 

Every time I make a call to them they say that this is not the concerned department and transfer the call to some other department and make you to go around making you to wait for almost a day if you want to stay on the call. The longest wait time I had on call is around 3hrs and this is one of the worst customer service you will come across.
I disputed a collection listed on my credit report to the original creditor, and received a letter from the original creditor which stated, my balance to be XXXX, since the hospital had failed to bill the insurance company in a timely manner. I was never responsible for this bill. I am attaching the letter sent to me from the original creditor. I also contacted the collection company XXXX, via email as well as by phone, nevertheless, this bogus collection has not been removed from my credit, but instead has been updated to be valid. 
I disputed this collection with XXXX, XXXX  within the last 30 days. I received an update from XXXX on XX/XX/2019. The dispute resultwasthis collection is valid per XXXX and is still on my credit report, and is delaying the process for my home mtg.loan to be approved. In fact the house I wanted to purchase has just now been sold to another person. 
XXXX  XXXX XXXX  ( XXXX  ) has not been removed this from my credit report. I am attaching the letter from the original creditor.
I contacted Experian to resolve a issue multiple times and they refused to reinvestigate issues that I have. 
They claim it was verified but it wasn't Bankruptcy. Not verified please re verify XXXX XXXX XXXX. 
please reverify Unauthorized credit inquires. 

Not removed. 

I should have no hard inquires on my Experian credit report. 

I'm sick and tired of getting the run-around. 

Please remove all unauthorized hard credit inquires. 

Thanks
TransUnion is reporting a bankruptcy on my credit report that should not be reporting. I spoke with multiple supervisors regarding this issue ( XXXX, XXXX, XXXX and XXXX ) regarding this issue. I was advised that they were obtaining their information from XXXX and I reached out to XXXX and recieved written documentation from them that they do not have a bankruptcy on file for me. I also went to the Federal Court and was provided with a letter advising that they have not provided that information to anyone and TransUnion still refuses to bemove this and ALL associated accounts from my credit report. Please see attached documentation. I will seek damages legally if this is not resolved in a timely manner.
This company, which I have no contract with nor have received any services from them, reports a collection account on my credit file in the amount of {$480.00} with XXXX Credit Bureau. I requested validation of this debt and account on XX/XX/2018. However, the company failed to provide me adequate proof. Acknowledging this company has no contract with me for services or can provide me adequate proof for this alleged debt, I am not obligated to pay.

15USC1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
On XXXX XXXX XXXX Citibank issued and on XXXX XXXX XXXX charged me four billing charges that I never requested without no cards given to me. 

XXXX XXXX excludes all dates of transactions in all Citibank monthly Easy pay transaction Reports since XXXX through XXXX period eliminating contents of credit and payment history that I paid as a borrower causing potential loss on my side during that period. 

Citibank paid unauthorized charges for a period of more than five years under one bill service program though I had instructed Citibank to stop payment and discontinue the one bill service Citibank applied late fees and interest and other charges to my monthly billing statement for repayment for a period I filed a complaint for resolution to the above violation of law. 

Citibank on XXXX XXXX XXXX illegally withdrew my fund in my saving and investment account in Citibank from an electronic transaction for a reason that they claim I have late payment that is more than 30 days during the time I file a complaint.
I have had this XXXX back in 2008 first the account has been closed over nine years ago and they still report it as an open account I am attaching my report, second since this is over 8 years closed this should be taken of my report compeletly
My student loans ( my own and my XXXX loans for my kids ) went into repayment in XXXX XXXX and I was put on an income related repayment plan because I have a low income. My repayment was {$240.00} per month. In XXXX XXXX I was notified by email that my payment would increase to {$430.00}. Since nothing much had changed in my circumstances, I felt there must be a mistake. I called and spoke to a service provider at FedLoan and was unable to clarify to my satisfaction exactly why my loan increased. He said that it had increased because a great deal of interest had accrued because I had lower payments and also that my income had increased. Subsequently, I spoke to another servicer at FedLoan as well as several other counselors who help with student debt questions ( including my tax accountant ) and it appears that the servicer made several errors such as telling me that my debt had risen to {$99000.00} from {$66000.00} in one year because of the lower payments I was making. I finally managed to speak to someone from the XXXX office and when we went through the figures together, she identified a key error made in calculating my repayments : the FedLoan servicing organization had recorded my gross income as something like {$10000.00} more than the previous year, whereas it had increased by just over {$1000.00}. This miscalculation was in spite of the fact that my tax forms had been correctly submitted on time by my tax accountant. The ombudsman service woman suggested that we try to sort out the problem with a XXXX call but she was unable to get the appropriate person on the line at that time. She was supposed to be calling me back as soon as the call was set up. I have n't heard from her since and it has been about two months since we spoke. In the meantime, I have had to take money from my pension to help with expenses -which will increase the recorded income for the past tax year - and I also need to reduce my household expenses as much as I can. I would like to cut my phone landline which costs me {$60.00} a month but it is the phone number that the XXXX office contacted me at, so I have been reluctant to give up that number. In other words, the FedLoan Servicing organization 's errors appear to have not only caused me to lose the full income sensitivity that I merited, but it is also costing me money. I would appreciate your help in resolving this without further delay.
Discover Student Loans, is yet again not processing payment of money order sent in. Friday XXXX XXXX XXXX I mailed out payments of XXXX money orders. XXXX for loan XXXX and XXXX for loan XXXX. That is now 3 WEEKS ago. Loan XXXX is NOT processed still. And now they are claiming I am late on payment. I fought this exact issue on XXXX of these XXXX discharged loans XX/XX/XXXX. 
I can not online view these loans balances. 
I can not give them payment in ANY form online. 
I get no mailed invoice, balance, statement or mailing adress monthly or every on loan XXXX and XXXX. 

I pay more then the minimal every month since XXXX XXXX. Once again, and again not first time on this happening 3 weeks in XXXX gets processed Loan XXXX this week ... ..two weeks later so much for 7 to 10 days, 2 weeks for XXXX and 3 weeks for loan XXXX not processed yet. Yet I will be told I am late on the payment and be penalized and magically the only time I will hear from Discover Student loans on these account sub loans XXXX and XXXX. I dont even know what I owe I have no means of viewing the balance!
Chase bank sent me  an Amazon Rewards Visa cre dit card for which I did not apply. I called them immediately and they said they are 'investigating ', but there have since been no further updates. The opening of this account entailed a hit to my  XXXX  credit report.     There is a thread on Amazon discussion forum indicating this is an issue that many others have been having as well. It 's unclear if the issue originates with  Chase, Amazon, e ither, or both.     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Green Tree Servicing is repeatedly engaging in a practice of refusing to credit my payments to my mortgage account with them. They are agents for XXXX, and XXXX is the bank that I use to make the payments, so there is no excuse for them failing to record all of these payments. I do wonder if they are acting in bad faith.
Summary : Item I agreed to purchase was never recieved. Visa/Chase is requesting that I break the law ( 18 U.S. Code 2320 Section 2 ) in order to secure a refund. I also can NOT be billed for merchandise I never agreed to purchase. 

More info : Purchased item from XXXX XXXX. Item was not delivered. They sent something completely different than what I ordered and later turned out to be counterfeit. After failing to resolve the situation with the merchant who refused an exchange or refund by the letter of the law, I initiated a chargeback. Case XXXX with Chase Bank. 

I have been informed that because the merchant did not get the item they sent me back, that the dispute center will not refund me. This goes against the FAIR CREDIT AND BILLING ACT. Specifically : 15 U.S. Code 1666 - Correction of billing errors ( b ) Billing error For  the purpose of this section, a billing error consists of any of the following : ( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 

No where in the FCBA does it state that I am obligate to return items that exist outside the purchase agreement in order to qualify for a refund. The counterfeit item is not what I ordered or agreed to purchase. It exists outside the purchase agreement between myself and XXXX. 

Also, shipping a counterfeit item to return it is ILLEGAL ( 18 U.S. Code 2320 Section 2 ). Visa/Chase/XXXX can not compell a person to break the law in order to secure a refund. 

I am due a refund in full because I did not get the item that I ordered. It is a billing error. Visa/Chase 's obligation is simply to determine whether I got the goods or services I agreed to buy, and if not ( billing error ), issue a refund.