WillisBack/dataset-financial-user-claim huggingface dataset:
I rented an apartment from XXXX XXXX where upon moving out I received a bill for {$440.00} for damaged carpet. I asked at the time to complete the end of contract walk through with whomever completed this process. I was denied that option so I completed my own walk through with video due to multiple complaints from previous tenants for where they were charged similar charges. I received the expected bill of the above amount for damaged carpets. I then attempted several times to contact the apartment manager, XXXX XXXX, leaving several messages because she was unavailable to take my calls. I then called the corporate office attempting to plead my case and was directed to several personnel 's voicemails as well. I sent the video of my walk through, showing no damages to the carpets, or any other potential problems, to both the local apartment complex manager and to corporate. My video was mainly the carpets for the complaints that I had received from previous tenants was of their carpets. I did not receive any return communication from either party, so I attempted again to call both entities, without success. I then started receiving harassing and threatening phone calls from a collection agency, Hunter Warfield, where they told me that if I did not pay I would be turned over to the XXXX collection agencies. I am at a loss as what to do for the charges against me are false.
I never received notice of this bill I was check my credit on XXXX   and saw this medical bill from : MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX  ( XXXX  ) XXXX Opened XX/XX/2017 ( 3 mos ) Placed for collection Original Creditor Name XXXX MEDICAL CENTER
I have submitted a complaint already but it seems i can only put XXXX account number in so i 'm doing another because i have XXXX accounts opened by Wells Fargo with out my knowledge. So while applying for my first credit card i could n't get passed the red screen and there were no records of any accounts being closed for being negative or being sent to collections. When i was accepted for a new job XXXX a few days before i was supposed to start they pulled back there offer and said its because of my background check on my credit. I contacted XXXX and found that i had XXXX accounts from wells fargo sent to collections and that i owed over a thousand dollars. I took the account number and contacted Well 's Fargo about it and had them give me the application for the accounts. All the info points to fraud and it happened in XXXX in the middle of the scandal going on. Looking over the application i have never met the banker or stepped foot into the branch. Also i never owned a business and the documents are missing paperwork that says the business is an actual business. Some how they got a hold of my mothers phone number and used that as the business phone. Put XXXX for some boxes and said i grossed {$5000.00} in XXXX when i was n't even XXXX yet. The documents also have no signature and are boxed to be filed manually and from my understanding from my banker that means i needed to be there to open the accounts and there needs to be a signature.
Malchol and Johanson LLC Filed papers at the courthouse in my county threatening to sue. This was for a credit card from about 7 years ago. I set up a payment plan and made the first payment of {$100.00}. However in order to send them another payment they were supposed to send me a receipt that reflected the amount I paid. After several attempts to get a receipt, they still have failed to do so. Now theyve threatened me with my account is in default. After several calls today, still no reply.,
filled out an application for a XXXX XXXX XXXX credit card at an XXXX XXXX XXXX XXXX XXXX for {$15.00} dollars off on my purchase, the application was approved a few days later I received a XXXX XXXX  credit card along with a congratulations letter. the card had an activation number on it stating call this number to activate your new card I called the number and put in the card number and was congratulated on activating the card. a day or 2 I tried to use the card for a small purchase and the transaction was refused, i paid for the purchase myself and came home and called XXXX XXXX, they stated that they had turned it off because they needed more information, they stated they wanted me to fax a copy of my birth certificate, social security card which I had already submitted and shown to the person at the store and a copy of my drivers license again which i had already shown to the person at the store. now here 's where this all goes bad and wrong my application was approved number 1, my card when i received it was activated by XXXX XXXX number 2, then XXXX XXXX turned it off I assume immediately without any notification number 3, now this one is where i get the bad news, my credit score drops XXXX points number 4. all this for a XXXX dollar purchase. CAN YOU HELP!
It is for an old bank account and the debt is {$440.00}. I have been told to appear at a show cause hearing. I have told the company I cant make it to the court hearing due to health reasons and as well as Im on XXXX and limited on funds. I have set up a payment arrangement with the company however they still want me to appear in court. I have only been sent the letter for court in the mail and not properly served by a sheriffs office. The court date is in another county and I live 3 hours away from that court. The agency is XXXX XXXX XXXX and they have not been understanding of my situation. They have stated even if on a pay arrangement and I dont attend the court date that further legal action will continue or bench warrant issued
I was given misleading and inaccurate information regarding why a payment was withdrawn late from my State Employees XXXX Credit Union checking account was withdrawn late. I have made several efforts ( as documented ) to ascertain the reason for this. Both State Employees XXXX Credit Union and the credit card company, XXXX XXXX, have been passing the buck back and forth blaming each for the issue and neither party taking responsibility for this issue that has to do with their outdated ACH systems.
I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So, naively I went on line because I was preapproved! Well, no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam.
Collector XXXX repeatedly spoke over me trying to railroad the conversation into whatever she earns commission for, ignored my questions was not knowledgeable about collections lied about the companies policy on validating debts, threatened to hang up on me when I got tired of listening to hear pretend she knew what she was doing. When I requested a manager shes transferred me to a lower ranked supervisor, probably a friend to try and make the problem go away.
XXXX and XXXX are involved in a SERIOUS breach of security relating to giving out credit card information to automatic billing vendors. On Friday, XXXX XXXX, XXXX, I picked up my new replacement credit card from XXXX from my XXXX XXXX XXXX I check this box once or twice a week for mail. I waited until Monday, XXXX XXXX, XXXX to call to activate the new card so I could call all the vendors that have automatic billing to give them the new credit card number ( as instructed in XXXX 's instructions with the new card ). When I called the vendor, XXXX XXXX XXXX XXXX XXXX XXXX, I reached the automated billing system. This system TOLD ME my NEW credit card number and NEW expiration date. I had NOT given AHS this information. I called XXXX to ask how XXXX got my new credit card number since I had just received it and activated it. The agent said CHASE does not give out that information and offered to change the card number. I called XXXX next. The agent said their file showed on XXXX XXXX, XXXX, the new credit card number was updated when XXXX sent an alert that my old card was going to expire and XXXX gave the new credit card number and the system synchronized and updated the number. ( The old card was valid to XXXX, but XXXX was dropping the military program and also changed from MC to XXXX so XXXX was issuing new cards to members. ) I called XXXX back again and spoke with XXXX in XXXX, XXXX, the Fraud supervisor, XXXX in the Disputes Dept and finally, XXXX, a Disputes supervisor. They all said they are not allowed to give out credit card numbers, however, did verify this new number was used for XXXX 's automatic billing on XXXX XXXX, XXXX before I even had the new card or activated it. XXXX kept saying CHASE did n't do it. XXXX the XXXX supervisor, says XXXX has an automatic account updater and XXXX did it. XXXX, in the XXXX XXXX said XXXX did it, but she did n't know how to answer my question and she forwarded me to her supervisor, XXXX. XXXX said XXXX does the automatic update and XXXX has some authorization on file with XXXX to allow this ( however, the other automatic billing vendors do n't have this authorization? ). She also could not answer my question : HOW WAS XXXX ALLOWED TO PUT CHARGES ON A CREDIT CARD I HAD NOT YET RECEIVED NOR ACTIVATED? ALSO, WHY WERE THEY GIVEN THIS CARD NUMBER WITHOUT MY AUTHORIZATION? None of the people at XXXX could answer this question, they took no responsibility, and blamed XXXX and XXXX. 

This is a SERIOUS breach of the security I should have over who has access to my credit card number unless I give it to them. Also, if XXXX and XXXX are automatically giving out credit card numbers to vendors this needs to be addressed immediately. If this happened to me, it 's happening to many other people also. 

Thank you.
I went on line and purchased real estate leads in XXXX cities. The company is called XXXX I paid XXXX for each city. They would send me name and number and price range that customers were searching for. What they said to me was that I could go on a month to month and quit it after 1mo if I so desired and there would be no additional fees if I decided to nolonger use them. I paid a total of XXXX on XX/XX/2016 and the leads started XX/XX/2016. As I worked these leads it was apparent that these leads were more looking and not even qualified to buy yet. On XX/XX/2016 I decided that these were not the type of leads I wanted so I emailed the company that I was terminating and would not continue past XX/XX/2016.They sent me a email that I was responsible for the full month of XX/XX/2016 per contract. I told them that this was not how it was explained to me. They said it was in the contract that they had sent me. I did this all on line and I do not recall anything like this in the contract. I did tell them that there should be a dispute clause. I told them I would not pay for XX/XX/XXXX. They said they would send me to collections. On XX/XX/XXXX I received a letter from a collection company showing I owe XXXX for XX/XX/2016.
In XXXX, I found seven accounts reporting inaccurate information on my credit report. On XXXX XXXX, I wrote and mailed a letter to Equifax, XXXX, and XXXX XXXX ; asking them to correct the seven errors. Well over 30 days have passed, and I have yet to receive a response from any of them.
Data furnishers are required by law to fully investigate any dispute that 's brought to their attention. If they do n't, they could face substantial regulatory action from the Consumer Financial Protection Bureau. In XX/XX/XXXX, the CFPB issued a formal bulletin warning lenders and other data furnishers, such as debt collection agencies, that they will be penalized if the CFPB finds they are n't properly investigating consumer disputes. 

First, XXXX XXXX XXXX XXXX XXXX sent a collection agency notice to my parents house and not to me at my address in Texas. 

Second, XXXX XXXX XXXX XXXX XXXX did not investigate my dispute of the invalid debt that I sent them via U.S. Mail and e-mail on XX/XX/XXXX. They reported me as delinquent to the Credit Bureaus and I have experienced significant adverse outcomes as a result of their actions.
I was n't aware that I could lower my monthly payments and each time I called navient they kept putting me under a forbearance. I have gained a substantial amount of interest now!!
complaint no. XXXX you help me with does n't seem to be resolved the collection agency XXXX XXXX after they said they would cease collection they sold account to another collection agency called phoenix financial services XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX their e-mail is : XXXX tel. XXXX
At a local restaurant I was overchrarged in the past and have won dispute. I was recently in same place and took picture of check. It appeared in bank avcount as higher total. The bartender is cheating customers. Thanks for your time and consideration.
We agreed on a monthly payment plan of {$400.00} a month for my outstanding medical bills from a hospital visit. After three monthly payments that were all made as agreed and on time I was able to get payment from my health insurance company and paid off over {$4900.00} in one month. They then attempted to collect the remaining {$260.00} the next month and said that I was late paying. I said does n't the {$4900.00} payment mean I 'm months ahead of schedule and she was rude and said it does n't work like that. This is not the original agreement at all, I 've paid well over {$400.00} a month and am close to paying off the entire amount a year early! I do not like being threatened to go to court or have my wages docked after making a payment of almost {$5000.00}! These people should be struck off. To add insult to injury NONE of this was my fault but the fault of my health insurer messing up with the billing. They gladly admitted this and cut a cheque as soon as it was pointed out.
I have US Bank XXXX personal and business credit cards. XXXX have the annual fee and it is advertized that this annual fee pays for cards benefits. XXXX of the benefits is Bonus Award Night. However they decided to remove this benefit from XXXX cards starting XXXX/XXXX/15. Based on that I believe I am not getting all benefits that I paid forwith my annual fees. And this benefit is still advertized on the application page for new customers. 
I expect the bank to refund my annual fees on XXXX card this year only because they made this change in the middle of my membership year, but I paid annual fees for the full year of membership benefits.
This is a duplicate as the attachments I had attempted to send previously did not attach I have repeatedly disputed credit report information to all three bureaus regarding XXXX XXXX XXXX credit card accounts ( XXXX and XXXX ), I received XXXX Cancellation of Debt forms in XXXX from XXXX. These are specifically marked that the debts were discharged/forgiven and have supplied these to the bureaus who had been reporting them currently delinquent with open balances ( these amounts were also filed as income as part of my XXXX income tax return ). Upon researching and confirming the documentation I provided them in my prior disputes, they updated the items correctly. Unfortunately Equifax reverted back to reporting it incorrectly as originally disputed. I have spoken to supervisors with Equifax on numerous occasions who will correct the info manually while I 'm on the phone and send updated reports to my house. My understanding is that when the credit bureaus are supplied with valid documentation to dispute information reported that it is their obligation to correct it. This has caused an enormous amount of grief as I was approved for a student loan in XXXX XXXX for my daughters freshman year based on an Equifax report that at the time had the corrected info. When they re-ran my report in XXXX the incorrect information was back on the report and my loan denied two days before taking my daughter to college. I have submitted repeated disputes with valid documentation. My request has not been to remove the accounts or try to alter the facts. They should be reporting the accounts charged off, closed, with {$0.00} balances since XXXX. Please help me get this corrected permanently. Thank you for your time.
I attended XXXX college from XXXX to XXXX. however, the college was a for-profit company and loan from Navient XXXX college misled me. They made me believe the school was accredited. They made me believe I was going to be placed in a job in my field of XXXX XXXX. they had tv commercials saying I would have a job in the XXXX XXXX field. but the truth is that the school is not accredited and after I graduated I was left alone with no job. 
They forced me to take out federal and private loans throw Sali mae ( navient company ). 
The navient company was taking out loans from me to support a fraudulent company like XXXX College I had a lot of financial hardship since i started school there. Thinking I was going to have a job after was my motivation. Since XXXX I had lost my apartment, lost my car, my kids did not have enough medical assistance at one point, my wife devoiced me, I was XXXX for three year. I had to see a XXXX because of all of this. Because of the loans from navient company.
I have XXXX cases with you on the same conflict with Regional Finance the case numbers are XXXX and XXXX although today i called and was told that i did not send back needed infor on the last case. But did not receive a request. So yesterday at XXXX Credit Recovery for Regional called again and I told them that this case had been written off and that they reported it to the credit br. as refused to pay. I have a case with XXXX on this subject and the case number is XXXX. As you know from my XXXX case that Regional Finance cussed during a collection call. XXXX never contacted me after i filed a case with you. However this Credit Recovery keeps calling. WE wnat the title to the car back or to move forward with the casw with you for unfair collections. I have attached several documents for review for my case.
XXXX XXXX XXXX IS REPORTING FALSE INFORMATION ACCT XXXX I HAVE NOT EVER LEASED FROM XXXX
I signed up with the .001 % loan rehabilitation program with XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Navient for my student loans. When I started the program I was told that my credit report would be updated after XXXX payments of {$250.00} per month to reflect the new rehabilitation program. In addition, I was told by the XXXX representative that my credit report status would be changed to in repayment after 3 monthly payments of {$250.00} each month. XXXX XXXX XXXX XXXX misrepresented and flagrantly lied about my credit report being updated. I have made 4 monthly payments of {$250.00} and my credit report has not been updated. When I have asked XXXX about my credit report not having updated as of yet, I am told that they are " working on it. '' I was lied to in regards to my credit report status changing. In addition, I have never received a statement balance as to where my payments have been applied to, collection costs, fees, and current interest rate on my loans.
I have an auto-loan with U.S. Bank and regularly make my payment via the U.S. Bank iphone app. I made my XXXX payment via the iphone app as I had for the past year and a half. According to U.S. Bank, when I attempted to make my XXXX payment, I entered my paying bank account number incorrectly. However, there was no notification whatsoever at the time via the iphone app. From my perspective, the payment went through as it had for the past year and a half. I received a call over 2 weeks later from US Bank telling me that my payment did not go through. I immediately made payment over the phone. Despite this, they still charged me a {$35.00} late fee. I believe it is an unfair and deceptive trade practice for US Bank to make no notification that the payment did not go through at the time of the transaction through its app, and then to turn around and charge a late fee. I spoke to a manager at US Bank, explained the circumstances and the fact that I have always made my payments on time, and they still charged me the late fee. I am sure other consumers have been similarly placed in this situation and that US Bank is making a fortune charging consumers late fees - lulling consumers into believing that their payments have gone through via their app, and then charging them a late fees when there is an input error ( it is still not clear to me whether the error was caused by the input system itself, or me ).
We went through a HARP program that insisted as part of the process we sign up with a finical counseling agency to help consolidate and lower interest rates on credit cards. We did so and paid a monthly fee and they did not pay the money to the credit card accounts as promised. They deducted the money on time but did not pay the creditors on time and we were forced to pay it ourselves and our credit went from XXXX to XXXX in a matter of months. They repeated told us that it was the creditors fault that they were the ones that changed the process. We have paid all but one on our own but this should not have occurred. The company has never attempted to make good or even contact us again. This was a forced issue by the bank. CCCS was their name, based out of Texas.
Equifax has refused to update XXXX accounts as included in bankruptcy. I have tried several disputes and have gotten the same results. They are not properly investigating these accounts per the FCRA. I sent in documents to support the proper status reporting of these accounts and they have refused to delete the erroneous information furnished by the credior or update accounts as included in bankruptcy.
Websterbank delayed closing to charge me rate lock extension fees. Assured me for weeks wevwere all set and ready to close but the last 2 weeks before rate lock end came up with all kinds of things needed to verify before closing. Was in contact with their mortgage agent through out the process and he sssured me we would be ok. Said do n't worry about if it ran over he would get the rate extended. One week before closing I received the final closing documents that reflected a rate lock extension charge. Websterbank agent told me to just sign it because if I did n't it could delay closing by 3 days for new paperwork. He would take care of rebating me the charge after closing. After closing no one wanted to talk with me and no one would call me back. I have emails and texts to verify their intensional delays to incur cost for me
they call me 3-4 times per day from many different phone numbers. i keep blocking the numbers and they keep coming up with new ones. I have asked them to stop and they just keep calling
I am currently an  XXXX   XXXX  service member. I opened a  XXXX   XXXX   XXXX   XXXX  account with Barclaycard on  XXXX / XXXX / XXXX . I was informed by the representative before I opened the account that I did not qualify for the Servicemember Civil Relief Act  ( SCRA ) si nce I was opening the account after I started  XXXX   XXXX . However, the representative informed me although my account would not be covered by th e SCRA, m y account and all authorized users on my account would qualify for 0 % APR, and all fees would be waived including the annual fee as long as I was on  XXXX   XXXX . I then receive a letter from  XXXX   XXXX  dated  XXXX   XXXX ,  XXXX  stating well no longer waive the annual fee on your account. As a result, a charge of {$990.00} for you annual fee will appear on your billing statement for the next billing period your annual fee is scheduled to be assessed,  XXXX   XXXX ,  XXXX . Also, well charge an annual fee of {$290.00} for each authorized user on your account. This is a classic case of bait and switch. I called and messaged the company and they were unwilling to continue to honor the initial terms of the account. Also, for some reason the date the annual fee is scheduled to be assessed is different in the letter I received than the response I received on the message system.