WillisBack/dataset-financial-user-claim huggingface dataset:
I had a medical bill of {$540.00}, in which I was overcharged from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I called the billing dept at ( XXXX ) XXXX and they agreed to reduce it to {$270.00}. I paid them right away to clear up the bill to get a piece of mind! 

On XXXX, XXXX, I went to XXXX XXXX XXXX XXXX open a checking account and to apply for a credit card. 

On XXXX XXXX, XXXX, I received a denial letter from XXXX XXXX XXXX due to a deliquency, which was listed as the collection account I had already paid for. 

I requested my credit report from XXXX on XX/XX/XXXX, and I found out that Syndicated Office Systems ( whom also goes by Central Financial Control ) put my account to collection. I called the phone # listed within my credit report, ( XXXX ) XXXX, and was told my account was " settled in full '' and had a {$0.00} balance. I requested them to mail me a letter. 

On XXXX XXXX, XXXX, Central Financial Control sent me a letter to confirm that my account was " settled in full '' and that it would take 30 days to update my account with XXXX, XXXX and XXXX XXXX. I gave this letter to XXXX XXXX XXXX for them to process it again and attempted to apply for a credit card there a second time. 

On XXXX XXXX, XXXX, I received another rejection letter from XXXX XXXX XXXX. They advised me that Syndicated Office Systems ( or Central Financial Control ) NEVER removed my account from collection. 

On XXXX XXXX, XXXX, I called the phone # listed within the letter that was sent to me from Central Financial Control, ( XXXX ) XXXX, & spoke with representative XXXX. He said that his company POLICY will not remove it, even though he understood that I had already resolved the case & had a {$0.00} balance. I requested to talk with the manager & was transferred to XXXX XXXX. I had to leave a voice message on his voice mailbox because he was not available at the time. 

On XXXX XXXX, XXXX, since I NEVER received any calls back from XXXX XXXX or any one at Central Financial Control, I decided to call XXXX XXXX Billing Department at ( XXXX ) XXXX & was advised that Syndicated Office Systems is in charge of handling all medical billing. They could not see my account information within their computer system. 

It worries me that if the hospital or medical center gives Syndicated Office System or Central Financial Control too much power to access to their patients ' information from their computer systems, then who knows what they can do with the patients ' confidential information?! 

I attempted to make another call to Central Financial Control and spoke with representative XXXX, who then transferred me to XXXX XXXX # XXXX ( floor leader ). He advised me to fax a letter to " Inquiry Resolution Service '' at ( XXXX ) XXXX to seek for help, but he DOUBTS that they will remove my account from collection.
I have been making payments on this Auto Loan through the XXXX XXXX XXXX XXXX XXXX for several years. For a used XXXX XXXX XXXX. The payments are {$550.00} per month which have recently been a struggle since the XXXX  of my son XX/XX/XXXX and also a loss of employment on my end. My payment history confirms I still make payments monthly even with my hardship. And I have attempted to make arrangements with the company. The most I have received was 1 extension offered after several attempts to make arrangements for payment. My Balance has not been reduced since the finance was approved. I am told that I can not apply for further extensions based off my payments made. I can not change the due date. I have a ridiculous interest rate and late fee logic that ensures no payment will touch principal. My due date assigned is XX/XX/XXXX of month so it is impossible to catch up on billing before another bill generates and the company uses this to take advantage of sending threatening cure and repo letters which from the way they are dated coincide with dates I make payments. Company has also blocked me from making electronic payments via web or phone and advised I can only mail payments in a effort to use my hardship against me in order to cure my account
I went online to make a XXXX payment a on my Chase credit card and accidentally used a XXXX account that was not my bank account ( my name isnt on this account ) to make the payment. That day when I discovered my mistake I immediately called Chase and had them cancel the payment from the XXXX account. They cancelled the payment and also reversed the payment so they ended up depositing an additional XXXX to that XXXX account that was not my bank account. When they discovered their mistake they charged my credit card account for the XXXX they mistakenly deposited into the XXXX bank account. I have NO access to this bank account and have NO way of recovering the XXXX that THEY deposited into someone elses bank account. They are charging me for their mistake and after speaking with the floor manager at Chase ( XXXX ) he informed me that they would not take the XXXX that they added to my credit card balance to make up for the money they put into someone elses bank acocunt off of my account.
I have a collection on my file from XXXX XXXX XXXX ( Account number XXXX ) I disputed this account with the bureaus. They left it on the file. I contacted XXXX XXXX XXXX XXXX to resolve the issue. They told me they sold this account to another company last year. 

The bureaus violated my federal rights by leaving a collection on my file that the company who reported NO LONGER OWNED.
I was first notified that a negative collections had been added to my credit report in XX/XX/2018 for {$150.00}. This debt was from Medical Data Systems, a secondary debt collector who purchased my original debt from XXXX Hospital. I never received a bill in the mail from this company or a phone call from them to notify me that they had my debt. The first time I was informed they were trying to collect a debt from me was after they added a collection to my credit report, substantially damaging my credit report. I contacted them to pay the debt and asked them why I had not been notified before they placed this on my credit report. They informed me they had been sent a bill to an old address that I no longer live at. I asked if they could please remove the collection from my report since they had sent my bill to an incorrect address and I had paid the bill immediately once notified. The associate, XXXX, transferred me to the manager, XXXX, who told me she would not remove the collections. Her tone became extremely condescending and she told me it was my own fault for not paying my co-pay in person at the time of going to the ER ( at the time I was admitted to the emergency room, I was in excruitiating pain and never had been asked to make a copay in person ). It was extremely unprofessional and an invasion of privacy that she used details about my experience at the ER to try to belittle me, after I asked what I believed to be a simple request given their clerical errors and the fact that I never received a bill or contact from them prior to them tarnishing my credit with the collection they reported.
Had a payday loan in 2013 " Check N Go '' in Indiana was a legit company. ( Amount Less than {$300.00} ) Wrote a postdated check that ended up bouncing or not clearing ( Or was drawn on a closed account ). I had lost my job moved back home to XXXX during this time and had closed my Bank account with XXXX. I am still pulling records from when the loan exactly was and when the account was closed. Now this company is coming after me saying their collecting on behalf of them stating that I need to pay {$770.00} this includes restitution. " For intent to Defraud '' Felony. These people managed to call almost my entire family requesting I contact their offices. I have asked to verify the debt but they said there not required to do so since there not a debt collector. They also stated that an arrest will be issued for my arrest as well as me being extradited back to XXXX. 
Facts-They had my full address and SSN, they were able to confirm friends names and phone numbers and employment at the time. They were also able to give me the check number and bank number however he spoke so quickly I could n't verify. 

I have all calls recorded for my record. I also requested to verify my debt the first time they called and they refused saying there not a debt collector.
On XX/XX/XXXX Santander Consumer USA reopened my closed account that was showing on my credit report closed for 3 years but for some odd reason its been opened back up and reported late and charge off in remarks. I disputed the in accuracy of this account to Santander and this is what they do they reopen and put bad remarks on my credit bureau. This is a fraudulent act by this company and needs to be dealt with so they can not do this to nobody else. By them doing this it has brought my credit score down 53 to 60 points. I would like for you to delete this company with the credit bureaus it has been reporting on my bureaus for 4 years and 10 months and I'm tired of it I do not owe them any money I gave them their vehicle back in XX/XX/XXXX because it was no good and they stick me with the balance after they sold the car please help me with this company as they are putting false information on my credit report.
XXXX XXXX XXXX ( XXXX ) reported over 30 days and 60 days late on my credit report when this was not true. This was discovered when my husband had a renewal of his XXXX XXXX. XXXX sent a letter stating there error and said it would b corrected on both our credit reports. This was back in XX/XX/XXXX. The letter said that we had zero late payments on our mortgage. I was notified in XX/XX/XXXX that our credit had dropped. When I pulled our reports its showed that yet againXX/XX/XXXXreported late payments for XX/XX/XXXX andXX/XX/XXXX. This is causing us much stress since we are looking to rent another home and may cause us not to be qualified based on our credit score. XXXX also did not pay our home owners insurance nor or property taxes recently. I contacted them and was told that they knew this happened and had been waiting for customers to call and let them know. We where over 2 months behind on our home owners insurance. These funds are es-crowed in our payments. If my insurance agent did not call me, we would have lapsed on our insurance policy. This has caused us much stress and time trying to consistently fix XXXX errors. We will be looking into a lawsuit if needed.
Given the recent news about Equifax being compromised and my personal information potentially being exposed to identity theft along with financial information being stolen, I was directed to this website to check and see if I am one of the consumers affected. https : //www.equifaxsecurity2017.com The website has minimal information. It gives you an option called " Potential Impact '' to see if you 've been compromised. Once you click the option, it lists the following instructions : " To determine if your personal information may have been impacted by this incident, please follow the below steps : 1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.
2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.
3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in TrustedID Premier. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XXXX XXXX  2017. '' Once you proceed, it only asks for your last name and last 6 digits of your social security number. Once I submitted this information, it only gave me a date to return and check again. It did not say whether or not my personal/financial information was compromised and it seems as though it automatically opted/enrolled me in their TrustedID Premier program. It DID NOT give me any options. This website, even though is an official site registered by Equifax specifically for this issue, looks very suspicious and not secure at all. It 's falsely advertising they will tell you if you 've been compromised, but it does not! It also enrolled me in something without my consent. I 'm now worried that I provided personal information for no reason on a website that can again be easily hacked or compromised from a company that has already been hacked and compromised. I 'm worried and anxious that I have in fact been compromised, but there 's no way for me to confirm before damage has been done.
I received promotional materials advertising a credit card claiming 0 % introductory APR for purchases and 0 % introductory APR for balance transfers. In a separate table below, it indicated Transaction Fees for the Balance Transfer at either {$5.00} or 3 %, whichever is greater. The way the information is organized intentionally misleads consumers to believe that there will be no fee associated with the balance transfer.
I just had this wrongful debt of {$410.00} removed from my credit report from another agency. It was complaint # XXXX from XXXX XXXX XXXX XXXX XXXX. - they responded with their wrongdoing and apologized and had this debt removed. However. I C SOLUTIONS seems to have been sold the debt and it is now back on my credit report and I am receiving calls again. This has already been resolved and I would like this removed as it is negatively effecting my credit and once again receiving multiple calls and it is interrupting my entire life daily!!
cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not report
The Law Office of XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX send me a document that looks like a COURT DOC with a case no. XXXX. XXXX XXXX FL Bar XXXX sign the Document that apparently is Civil Lawsuit. However, it does not have a stamp from the court or it is not even notarize. Furthermore, most of the document is not even completed. The document claims that my wages at the XXXX ( where I work ) are going to be garnishee. I research the company and they do collections. XXXX XXXX and the Dyck-O'Neal have a habit of going after people and try to collect debts using illegal tactics. The Lawsuit is in reference to a house I lost in Foreclosure back in the year 2010 located in XXXX Florida because I could not longer afford the mortgage. The Plaintiff mention on the document is DYCK-O'NEAL INC. Please investigate both of these companies and stop them from continuing doing this type of practice and intimidate people like me trying to rebuild my life after such a huge economical lost.
The debt was entered into my bankruptcy ; however its showing up as a separate debt on my credit report with an outstanding balance due. Page 14 on the attached document shows that it was included.
Bank of American continuously charges overdraft fees that are way above interest rates. I was short {$4.00} ( which was available in my savings account ) and they charged me XXXX overdraft fee.
I made purchases through XXXX promotions, XXXX eighteen-month financing and a twelve-month financing. My payments are timely, never late and always more than the minimum due. XXXX XXXX, XXXX I made an online payment of {$150.00}. I noticed my balance appeared {$800.00}. more than it should be. I then noticed I was charged {$790.00} in interest on the eighteen-month financing promo. I did n't realize the 18-mth promo ended and the deferred interest {$790.00} was applied. I immediately contacted Best Buy to resolve the matter without success. I was told the promo balance of {$650.00} needed to be paid to avoid the interest. I offered to pay an additional {$500.00}. immediately to waive the interest and was told an emphatic " no ''. I made several calls to Best Buy and got different answers but all said " no ''. I also called BBuy Dept. of Citibank and spoke to a woman who said I had 20 days to pay the promo balance which would have been XXXX XXXX, XXXX. A matter of 4 days cost me an additional {$790.00}. I also spoke to another BBuy rep and was told someone would call me back and no one did. As a matter of good faith, I paid an additional {$500.00}. on my account XXXX XXXX, XXXX. That would make a payment of {$650.00} to satisfy the {$650.00} promo balance. I also researched the Credit Card Act 2009 and TILA. Both state the disclosure of the time frame of the promotional period must be clear and conspicuous. Looking at my BBuy statement the things that stand out to me are the bold banners and large print. The disclosure re time frame is in the lower third of the statement in very small print. The time frame notice on the statement does not appear to meet the standard set by the Credit Card Act 2009 or the TILA, i.e. " readily noticeable to the consumer ''. Something as relevant as the disclosure should be prominently displayed with a reasonable font size. Apparently, this has happened to many consumers. I have read multiple posts where consumers have been the victim of this practice for even larger amounts of interest, all without success in having the interest removed. I would have at least expected a friendly compromise and/or some flexibility in the interest charged. It is not like I called months later and it is not like I did not offer to immediately satisfy the {$650.00} promo balance. What is certain is that Citibank Best Buy credit card practices are predatory and in direct violation of the Credit Card Act 2009 and the TILA, Truth In Lending Act. In light of that, I would like the deferred interested waived and removed from my account immediately.
To whom it may concern : I took out a car title loan around XX/XX/XXXX from XX/XX/XXXX and unfortunately fell behind on my payments. My vehicle was repossessed, however, I quickly paid to have my car reinstated back to me in the amount of {$1000.00}, which was wired to XXXX XXXX XXXX on XX/XX/XXXX using code # XXXX ( reference # XXXX ). 

I called XXXX several days later to pay off my balance and close the account. I was told by the agent that the repossession fee had cleared, and that my pay-off balance was {$3500.00}, which I paid on XX/XX/XXXX ( reference # XXXX ). I asked several times to make sure that this was all I owed and each time the answer was Yes. I was also told that my title would be released back to me, which led me to believe there was no longer a lien on my vehicle, or any balance owed to XXXX. 

Come to the present, I was going through my paperwork and realized I never received my title. I went online to the XXXX website only to discover a {$210.00} balance on the account. I immediately called on XX/XX/XXXX and explained to the agent the issue, and was told a supervisor would review my case, and that I needed to call back the next day. 

I called back on XX/XX/XXXX and calmly explained to the agent the issue again, and was rudely interrupted telling me that she needed to explain what the supervisor noted. I asked to speak with the supervisor, XXXX, who reviewed my account and was told she was not there, even though I was told to call back that day to speak with her. I then asked to speak with another supervisor or manager and was placed on hold for over 12 minutes, which is excessive. 

Frustrated, I called back and talked to XXXX, who was actually polite and quickly got me to a supervisor. Low and behold the supervisor was XXXX XXXX, whom I was told was not there in a previous call. XXXX said that there were 2 charges of {$80.00} and {$75.00} assessed to my account that were part of the repossession charge, and any amount from XX/XX/XXXX to now is all interest fees. I told her I was never disclosed this information and that I dispute any balance on my account. I said I was promised my title and I felt I was deceived. I was then told that she would waive the interest fees, but unless I pay them {$150.00} they will not release my title. 

I am now frightened that they will try and repossess my vehicle over a balance that was never disclosed, or charged to my account incorrectly. I believe that XXXX in violation of several consumer protection acts, withheld information and behaved in an unfair and deceptive manner. 

The resolution I am seeking is for XXXX to waive the entire balance owed and release the title immediately through certified mail. 

Thank you,
I took out a star card through the military, I was told that everything must be paid before you can clear post, including your star card. I have since been out of the military and no longer have access to banking records to show payment. Also a fellow soldier in my unit has been committed for credit theft, he has since XXXX. He stole a bunch of cards and went missing ( XXXX ). Im not positive but he may have stolen my card as I believed I had it paid in full and was allowed to clear the post.
Unauthorized Credit Inquiry XX/XX/2017 XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX
I monitor my credit to prevent fraud. From XX/XX/XXXX until XX/XX/XXXX, my credit represented by my credit score stood at or above XXXX. In XX/XX/XXXX, it was XXXX, but in XX/XX/XXXX, it dropped to XXXX, indicative of serious error or criminal conduct. This prevented me from applying for a business loan. 

I wrote to the credit agency, requesting per the terms of the Fair Credit Act of 1970, to provide me with an explanation as to what negative information was introduced into my records to drop my credit rating by 150 points in a month. I have included a plot of the data. 

The agency sent me a form letter without addressing my core question. I then asked their legal department to review my request and respond to it, ensuring compliance. I wrote that I did not need a form letter, but an accurate investigation and a clear and concise explanation. The agency never responded. 

I respectfully request a careful review and a statement that includes precise entries that resulted in the significant drop in my credit score from XXXX to XXXX in the XX/XX/XXXX-XX/XX/XXXX period. Please do NOT send form letters, and list any and all issues that caused the SIGNIFICANT drop.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX called to say that they had been hired to collect on a check for {$250.00}, which I had simply stopped payment on due to a misunderstanding between me and another person. There were no goods or services for which I was paying. The person who received the check did not collect the money, though XXXX claimed that she did. They said that the XXXX XXXX XXXX in XXXX had paid the {$250.00} and now wanted to recover the money from me since I had stopped payment. In fact, the bank had charged the recipient {$30.00} for a bounced check. I do n't know how this company was able to get a copy of my check. But I find it disturbing that they did and clearly just started phishing with a copy of my cancelled check.
Notwithstanding several attempts to have the below corrected since XX/XX/XXXX via telephone complaints/request to Macy 's credit ; to date, I have received no replies or corrections. 
XXXX Re : Macy 's credit card number XXXX As communicated in my call to Macy 's Credit Services of XX/XX/XXXX , that my Macy 's credit account which is my oldest credit reference is not being reported by XXXX, XXXX nor XXXX. Said account is reported as closed by XXXX. 
Per your request on XX/XX/XXXX, this is my written request to have my credit reference of this trade reported/updated correctly with all the applicable credit bureaus. 
Attached you will find a copy of my most recent XXXX report which corroborates this issue. 
Please confirm execution. 
Thanks for your assistance. 
Sincerely,
I received my credit report from XXXX, which show inaccurate information from company INNOVATE LOAN SERVICING CORP, I have sent letters, and tried calling the companies number provided by XXXX, with no response for 3 months straight trying to contact this company regarding this issue. The original creditor XXXX XXXX XXXX advised another company who sent me a letter showing a different amount owed. Please see this has my complaint.