WillisBack/dataset-financial-user-claim huggingface dataset:
Visited urgent care XXXX/XXXX/XXXX. Received bill for services with balance owing {$130.00} in XXXX. Set up and paid 3 payments in XXXX for XXXX, XXXX for XXXX, and XXXX for XXXX with balance paid in full with XXXX payment. Received notice in mail XXXX from debt collector Accelerated Creditor 's Services with a balance due of XXXX. Called urgent care XXXX and was told final bill was sent in XXXX, stating that collection efforts would start 14 days if not paid in full, and that 35 % fee would be added to balance. This information I requested to be faxed as I did not receive. Fax received XXXX showed letter was sent to wrong address, the letter was addressed to different address than mine. I was not notified of final bill and collection efforts of 35 % of balance due in fees. Was told by urgent care XXXX that balance reported to credit bureau and collection efforts would continue because I did not respond to XXXX letter.
RoundPoint Mortgage bought our loan from XXXX XXXX between XXXX and XXXX XXXX. I have not recieved our escrow anaylsis from RoundPoint Mortgage. A check was mailed to us for {$1100.00} and only said escrow overage. Like any american family, that money was used for other bills. All along our monthly payment amount has remained the same {$1500.00}. I have not reiceved any notices saying my taxes have increased or that my homeowners insurance was dropped from my escrow account. Today I am called by my homewowners insurance saying I owe them {$870.00}. I called RoundPoint, they admitted to boarding my loan incorrectly from when they purchased it from XXXX XXXX, but said the money is being used to go other expenses. How did my taxes just happen to go up the exact amount of what I was being sent to XXXX insurance previously? I was on the phone for two hours with different stories and representatives talking in circles. Some admit it was their fault. I was told my loan amount will increase to make up for the difference of them sending payment today out of my escrow account to my XXXX insurance in the amount of {$870.00}. Why was that amount sent to me? Where is my money really going? No one can give me straight answers. I would have had to have paid points at closing to drop escrows. Or if my taxes increase I should have recieved notification from RoundPoint saying my monthly payment amount was going to change. Also, no one at RoundPoint could tell me what my new tax amounts were. Breakdown of previous payment : {$1500.00} total monthly payment {$65.00} XXXX XXXX {$90.00} Mortgage insurance $ XXXX XXXX taxes {$51.00} city taxes {$1100.00} P & I Breakdown of new payment : {$1500.00} total monthly payment {$0.00} XXXX XXXX {$90.00} mortgage insurance $ XXXX XXXX taxes {$31.00} city taxes {$1100.00} P & I If my payment amounts changed, i should have been notified. Also if my taxes went up then why did they refund me for " an overage in escrow account. '' They are not in compliance with customer notifications.
I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX AAdvantage points in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account.After enrolling with the promotion code, I contacted Citi and received confirmation that the offer was attached to my account. I confirmed with Citi that I fulfilled all terms of the offer and to expect my bonus on or before XXXX XXXX, 2016. 
On XXXX XXXX, 2016, I did not receive my bonus points as promised. 
On XXXX XXXX, 2016, I went on chat with XXXX and explained that I did not receive my points. XXXX informed me that my bonus was denied for the following reason : " There was not a AAdvantage Points promotion offered in conjunction with the opening of your account. '' Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers. They have also charged me two months worth of service charge fees because I kept my account open due to Citi lying to me, so I believe I would receive the AAdvantage bonus points.
I am receiving excessive calls ( as many as XXXX calls a day ) from Navient, for my student loans. I informed them the loans are a part of the XXXX XXXX lawsuit and asked for a stop on payments. They refused.
I would like to file a formal complaint against Central Portfolio Control XXXX Inc. 
XXXX XXXX XXXX XXXX, MN XXXX Number : XXXX - XXXX - XXXXFax : XXXX - XXXX - XXXX I do not have any debts that I am not aware of that would be in a collection agency and I do not understand why this company is calling me. I am on XXXX and Social Security Income ( SSI XXXX. I have Medicaid and Medicare, so I know that all of my Medical costs have been paid for and are being paid for. I also know that all of Student Loans are current and on time, and I also know that my Car Loan is Current as are my Credit Cards. So I believe this company is Calling and Harassing the wrong individual. Here is why : I was never sent a written notice within five days after I was first contacted by telephone by Central Portfolio Control XXXX Inc. They have also contacted my family members XXXX My Domestic Partner & Mother ) by telephone numerous times. I have phone records showing that they have called me at XXXX ( EST ) and multiple times in less than a 2 hour window. 

On the two occassions I have spoken to their representatives, I was spoken to very harshly ( they have used intimidating language and acted like legal actions would be taken against me - my car would be taken from me or my XXXXSSI benefits withheld or possible jail time ). The representatives gave me incorrect information about myself ; the address they told me I needed to confirm was not my address and I informed them that they did not have the correct address and that I did not feel they had the correct individual. They then proceeded to tell me that I Had to provide them with my Social Security Number, which I did not feel safe providing to them and at this they got extremely mad and I was hung up on in one case and in another I was spoken to like I was a child. I then asked them to stop calling me and to please verify what ever debt they felt I owed them and the representative stated I would receive a validation in the mail soon. I never received anything in the mail at all. If they can not provide an address I have lived at or live at currently then they obviously can not prove to me there is a debt. They also have not even told me how much this debt is for verbally or written or where it even originally came from. I am aware that companies like this one purchase debts for pennies on the dollar so they are not even the original creditor but I also am aware that I only have a car loan and student loans and credit cards and my monthly living expenses so there is no possible way I have any debts!
Wells Fargo Bank Home Mortgage has been over-charging me in property taxes because their employees are inept. They have yet to go to the County Tax Office for the correct amount of taxes due. This has been an on-going problem with Wells Fargo Bank Home Mortgages for many years now. A Wells Fargo Bank employee gave out my mortgage loan account # to known mortgage fraud criminals, who were charged and convicted of this crime. Yet, Wells Fargo Bank, Home Mortgage claims they have no knowledge of this  criminal activity. Wells Fargo Bank always denies everything until they are fined and forced to give back the money owed to the customers. Wells Fargo Bank employees work with Drug Cartels to launder money. Wells Fargo Bank employees work with Mortgage Fraud criminals, as they did in XXXX, TX with my account. Wells Fargo Bank hired those individuals who lost their positions on the Banks that were allowed to go under in XXXX. I have been having problems with Wells Fargo Bank ever since this time. Wells Fargo Bank on-line site was hacked and 2 payments were stolen from this site in XXXX and again in XXXX. Wells Fargo Bank, Home Mortgage  misapplied 2 of my payments in XXXX. My loan has been paid in full. Yet Wells Fargo Bank continues to add service fees in the amount of $ XXXX a month on a loan that has been paid in full. Wells Fargo Bank, Home Mortgage  still is missing all payments made in XXXX. Wells Fargo Bank, Home Mortgage does not have an accurate account history and is falsifying my mortgage account, just to try an line their own personal pockets.
I tried communicating with lenscrafters several time due to a collection they reported on my credit report even though I paid it off right away. I have all the receipts and invoices that are necessary to prove that this account was paid a long time ago. However, they still reported it. So I called them several times and they told me to send them my documents ; which I did, and months later, they still have n't gotten back to me. I called them and asked and they said they do n't have a number to their dispute department. How is that even possible? How am I even suppose to know they 're looking at it? They would always tell me they 'll call me but never did. So I am hoping that by this complaint, it will open their eyes that this kind of matter should be taken seriously. It 's not like I just picked {$400.00} on the sidewalk and much more my credibility as a borrower to have that kind of remark on my credit report.
My mom had two accounts at Capital One 360. One, account number XXXX with {$78000.00} was a savings account. The second, account number XXXX in the amount of {$85000.00} was a money market account. I was joint account holder on both accounts. Mom passed away XX/XX/XXXX. I notified Capital One and provided a copy of her death certificate as requested. When I checked the accounts on XX/XX/XXXX, I noticed that Mom was no longer on the accounts. I was listed as the only owner on the accounts. When I checked the accounts on XX/XX/XXXX the money market account was GONE. It does n't show up when I login. Nothing - not a note that there was a problem or anything. I contacted Capital One 360 customer service, expecting that it was merely a computer glitch on their end. What I was told is that they have restricted the account because of questionable activity on Mom 's profile and that they restricted the account because her name is still on it. First, the activity was most likely me attempting to log in with her access to verify that it was disabled and her account shut down. Second - How did Mom 's name get BACK on the account that I was sole owner of on XX/XX/XXXX? Third - Why was I, the account owner, not notified if there was a problem with the account? On XX/XX/XXXX I had complete and solitary access to {$85000.00}. Today, it 's gone from my account. I ca n't see it, restricted or otherwise. Capital One says that they show me as JOINT owner on the account but effectively, they have stolen {$85000.00} from me without notification. 

I have attached a copy of the XX/XX/XXXX statement showing account numbers and myself listed as Joint Owner on both accounts. I have also attached the letter from Capital One showing that account ownership changed from Joint with Primary Owner to Individual Primary Owner, dated XX/XX/XXXX. ( I saw this change on the XXXX online but it was a holiday - thus the official letter dated the XXXX. )
In the summer of XXXX ( exact date unknown ) I entered a vacation sweepstakes in a magazine I regularly receive called XXXX XXXX. After a few weeks, I received a phone call from an unknown number saying that I had made it to the final round in the sweepstakes and was now being offered a free trial of magazines. Thinking this was in partnership with XXXX XXXX, a magazine company I trust, I consented to the FREE trial. I was told I could choose from a wide variety of magazines and that I would receive several varieties in a month. However, I received Glamour and XXXX XXXX, neither which I chose, which I just threw away thinking it was no harm since I didnt pay for them to begin with. A few months go by again and I receive a phone call saying that I owe money for these magazines. I gave a rebuttal that I do not owe them anything since I never consented to pay for these magazines I never wanted. I cancelled and the man on the phone hurriedly says XXXX take me of the list. At this point, I moved to a different location and forgot about the ordeal completely. Again, a few weeks to months go by and I receive a phone call saying that I owe a balance on the magazines I was receiving. However, I was told that my renewal would be cancelled and all debts removed for just {$50.00}. Confused at how I ever got into having to pay anything at all for a service I didnt want, I mistakenly obliged to pay {$50.00} just to drop the matter. I was charged {$49.00} on XX/XX/XXXX. However, within the same month I was charged another {$49.00} on XX/XX/XXXX. Irritated, I called and tried to confirm my cancellation, telling them I was still receiving the magazine though I never renewed. They said I would continue to receive magazines for the amount Id already paid ( {$50.00} ), but that my subscription was indeed taken off the renewal list. However, I was then informed of a balance of $ 600+ dollars! I explained I never wanted this service and cancelled long ago and told them this amount would not be paid. I then proceeded to cancel my card to receive no further charges. They continue to call and harass me at least once a week. The amount then went to the collection agency Total Customer Service , Inc which, according to XXXX reviews has worked exclusively with XXXX XXXX XXXX and similar scams. Therefore, I am choosing not to interact with them and instead wanting to consult a more assured process.
Bank of America did not properly credit my account with a telephone payment. My payment was made on XXXX/XXXX/15 and my account was not credited until XXXX/XXXX/15 and only after I made at least XXXX phone calls and scheduled a meeting with my local branch. 
During the 2 week period I was seeking resolution :1. I had to endure long hold times. 
2. I was treated by rude customer service reps, including XXXX supervisor who told me to stop calling or I would just delay the process. 
3. At least XXXX calls were disconnect so that I had to start the process over again. 
4. I got calls and e-mails advising that my account was overdue. 
5. A hold was put on my account, a fact that I discovered when I tried to use my card and was told by the clerk at the point of sale that my card was declined.
I got laid off end of XX/XX/XXXX, I applied for assistance with XXXX XXXX they put me on a forbearance plan. When I got a contract job, I submitted my paystubs, so they put me on a trial plan starting XX/XX/XXXXthe monthly payment with HOA was over 35 %. I called to ask them but they did not provide a reasonable response and did n't reduce the amount. InXX/XX/XXXX they sold my loan to Freedom Mortgage. Freedom Mortgage sent me a loan modification that increased my interest rate, so monthly payment with HOA is still more than 31 % of my gross income, and they added a 2nd lien of over {$66000.00}. The XXXX package was left at my door Saturday afternoonXX/XX/XXXX but it was dated XX/XX/XXXX too late to do anything with it Saturday, then Sunday and Monday ( holiday ) banks were closed, and they only gave me a few days to respond. I called them a couple times, and my spoc was supposed to call me back, I 'm waiting to hear. I only make {$19.00} per hour working an average of 40 hours per week, but often I work less than 40 hours due to not enough work. I am worried they are not rushing to help me and I will not lose my house to fraudulent practices. Please help, I 'm a single woman with one income, I can barely pay my bills and I do not live outside of my means, believe me.
I have Chase credit card that I intentionally set with a maximum limit of XXXX. I had a charge hit my card that I did not approve for XXXX that occurring on XXXX/XXXX/XXXX from a vendor that I did have a monthly recurring charge from but not this high of an amount and I did not authorize this large amount and never authorized Chase to accept any charges over the intentional XXXX limit max that I agreed to. I called Chase shortly after it occurred and was told they accepted the charge because it was a vendor that I use and as a " courtesy '' to me as a card holder. This was not a " courtesy '' and has cause havoc with me trying to pay off my bill. 

Because they did this, I was unable to even negotiate the XXXX amount down from the vendor or make the vendor eliminate it. They would n't budge because they had already received their money from Chase. 

Also, the card being over it 's limit has cause me to be declined for a debt consolidation loan because it is significantly over the credit limit. it is infuriating because I never authorized the charge and had a set lower limit intentionally. 

Chase did say they would visit with the vendor to dispute the charge, but I have already had to deal with vendor directly. It 's really not about the vendor it 's about the fact that Chase and I had an agreed upon contract with a credit card and a set limit that should never have exceeded.
I went to school and thought i was only borrowing what i needed and each time they mailed an check and said you borrowed extra and would not allow it to be returned as it was actually a grant that i would not owe for in the end, then i needed up owing XXXX for a degree, then they said oh do not worry do the IBR and it will reduce the debt and payments and 5 years and XXXX in payments later i now owe more ( XXXX ) they are total thieves and liars.
I have purchased numerous items on my  XXXX   XXXX   XXXX   XXXX . Some items have been refunded, some delivered defective and Amazon.com has told me they will report to the company I have my  XXXX   XXXX   XXXX   XXXX  with Synchrony Bank that this is their error but they have not! I pay my Synchrony Bank  XXXX   XXXX   XXXX   XXXX  Account in full every single month timely and Synchrony Bank is not reflected that.
Current victim of I.D . Theft due to information being compromised by the XXXX. I 'm a XXXX. The main company that Im having a problem with is Experian. I have sent all necessary paperwork, yet the still refuse to assist me in restoring and removing derogatory information on my credit file.
I have contacted XXXX, Equifax, and XXXX several times via phone and online on numerous occasions in regards to inquiries that I did not authorize or I was not familiar with. I get the same results every single time and it is affecting my scores and it looks like I have been searching for credit opportunities which I have not. I am trying to purchase things and it has made it practically impossible to do when seeing places that I didn't acquire credit from. I have disputed and reached out to the credit bureaus on numerous occasion. I need the companies to send proof or validation or it needs to be removed immediately. 

The following inquiries were not authorized : XXXX XXXX x3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX x2 XXXX XXXX XXXX XXXX XXXX XXXX  x2 XXXX XXXX XXXX XXXX XXXX x2 XXXX
On XX/XX/2016 I received a letter from this auto lending company XXXX XXXX and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three XXXX XXXX XXXX XXXX Experian and Transunion because they agreed to remove these transactions they are now along with Transunion XXXX and XXXX in violation of the Fair Credit Reporting Act.
My personal information, including all of my credit history was handled improperly and leaked from Equifax placing me a great risk for identity theft. Equifax proposed solution is to sign me up for their own service, of which the problem originated. Their service TOS limits the ability for legal action, so I decline their offer.
This debt is not my debt I have visited the physical business office to resolve. The hospital keeps removing and placing back on my credit report to restart the reporting date to prolong collections. This is not my debt due to the fault of their 3rd party patient billing company they are charging me for a debt that is not mine. I tried to resolve with both companies with no avail.
I submitted an investigation request to the credit bureaus back in early XXXX. I had no problem getting the results back from XXXX and XXXX XXXX in a timely manner, but Equifax is taking way too long. I still haven't receive my response from them.
XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XXXX and now again in XXXX for fraud again. The banks the processed the transactions TD Bank, XXXX XXXX, and XXXX XXXX XXXX. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to TD Bank the letter state the charge was " Called In '' and the receipt shows it was swiped. 

XXXX XXXX XXXX has {$13000.00} in unauthorized fraudulent charges and services not provided to my account which TD Bank failed to protect me for. XXXX Can not provide proof of authorization for these transactions in any facet. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX
We are almost about to lose our house due to their inaccurate reporting. 

We have disputed many many times with them and no results. We have confirmed Dispute Results that state the will remove the Items yet they still show up. I will attach the letters. 

Inquiries that are not ours either. We found out we were victims of the Equifax Data Breach. This has cost my family grate harm and we are about to lose everything now. WE have never missed a payment and our fixed debt is outrageous. We will be forced to file bankruptcy and sue them if this doesn't get corrected by early next week. We are trying to get funding so we can pay our Credit Card Debt off and we are unable to do so. XXXX  is reporting outdated info XXXX  bought the debt and is reporting dates wrong and outdated information.

All of which are aware. We have a recorded conversation with a XXXX   Executive stating she didn't even have copies of our paperwork. Yet they have verified it as accurate 3 or 4 times? That is a Clear Violation. XXXX is an inquiry not authorized XXXX XXXX and XXXX as well. XXXX sent us a letter stating that it was fraud and they wouldn't even open it for them. I sent that it to the agencies and nothing!