WillisBack/dataset-financial-user-claim huggingface dataset:
InXX/XX/2018 I received a letter from Frost Arnett for an attempt to collect a debt for {$350.00}. I spoke with them and asked what this debt was for. They stated that the debt was for money owed from XXXX XXXX XXXX XXXX hospital stay. On XX/XX/2018, I reached out to XXXX XXXX XXXX concerning this debt. I explained to a female represetatie that my XXXX insurance was supposed to cover my debt, and if they did not cover in full, that my Medicaid would. She told me to call and get my ID number. I called Medicaid on XX/XX/XXXX, and they provided the number to me. I also called Frost Arnett on XX/XX/XXXX which they have record for at XXXX. I explained that I spoke with the original creditor, and provided my Medicaid information. I asked BOTH parties if I needed to follow up with them concerning this debt. Both said that if there were any issues, I would be contacted via phone or email. 

On XX/XX/XXXX, I received an alert on my phone stating that this account was in collections. I immediately contacted both the collection agency, original creditor, and XXXX XXXX XXXX Hospital. Everyone has a record of me contacting them concerning this debt except XXXX XXXX XXXX. XXXX XXXX XXXX stated that it is now too late to apply my Medicaid ID, and they had reached out multiple times although I have not received any communication from them.
My sister transferred funds from my mother 's HELOC accountto her personal account per Bank of America. These transfers occurred approximately XXXX years after our mother died. 

Original HELOC had XXXX co-signers. XXXX are deceased and I am the third. B of A suspects my sister represented herself to be our mother and made transfers of approximately {$300000.00} between XXXX and XXXX. 

My sister continued to make all interest payments. Further she sold house, collateralizing the HELOC XX/XX/XXXX and made no principal payment from sale proceeds, yet she provided the buyer a Warranty Deed. Bank of America charged off the HELOC in amount of {$340000.00} XX/XX/XXXX and it appears on my XXXX credit report. I had no knowledge of this until XX/XX/XXXX
XXXX XXXX continues to threaten me with legal action if I do not pay a debt that was written off by Orchard Bank and XXXX well over 10 years ago. They continue to insist on their right to report it as an unpaid debt on my credit report. 
They call me at work, and are verbally aggressive and discourteously harassing me, even when I tell them I can not talk at work. 
They refuse to send me documentation that proves the origination of the debt as well as their explanation for why they are allowed to collect on this debt that is well past the statute of limitations I do n't know what to do or how to stop them from call me. I have blocked their numbers on my phone, only to be called from yet another number. It 's quite distressing. 
The debts written off were from the economic recession when my husband and I had a XXXX business that failed. We lost everything including our home. Now, he has terminal XXXX and we are living off social security. I do n't want these people calling me for an old debt but they wo n't stop. What should I do?
I am submitting in regard to case number XXXX I had already filed a complaint and gotten a response. The XXXX bank done what they needed to do after investigating the initial complaint ( XXXX XXXX, atm didnt ' give money/filed all proper disputes/etc ) and they had responded saying that they had keyed in a credit thru their processor to American Express ( which is the card I had used at the atm ). Well, American Express has closed my card without my knowledge first and now I am wondering how I am supposed to get the credit that was keyed back in to my card?
I opened an account for XXXX card in order to finance part of the purchase of a timeshare with XXXX XXXX. The amount on the card was {$3000.00}. I paid the balance on the card prior to XX/XX/XXXX and never requested or received a replacement card, so I assumed the account was closed. 
XXXX XXXX, who was my wife at the time, was not an authorized user of the card, however, in XXXX of XXXX she advised me that she had been using the card for some time. I don't know exactly how long, and she had accumulated a debt of over {$17000.00} on the card. She advised that a collection agency was trying to collect payment for the debt for XXXX Bank XXXX, and they had threatened to garnishee her wages if she did not pay a certain amount by a date certain. She also advised me that she was issued a card in her name on my account by XXXX. 
About a week before XXXX contacted me about this, I had received a letter from XXXX in which they claimed I owed them {$17000.00}. When I learned about the debt from my ex-wife, I wrote to XXXX advising them that I had not authorized XXXX to use my account and I did not assume any responsibility for the debt, and I requested them to remove the debt from my credit report. On XX/XX/XXXX XXXX responded to me that since their records reflected XXXX as an authorized user on the account, they considered the debt to me as accurate and they would not remove it from my credit report. I discovered from the credit bureau that XXXX had written the debt off in XX/XX/XXXX, although they had never mentioned any debt to me prior to XX/XX/XXXX. Since my ex-wife was never authorized by me to use the card, and XXXX never attempted to verify by me that she was authorized to used the card, I think they are attempting to extort money from me to pay a debt I did not incur or authorize, and I would like for them to remove the debt from my credit report and to not harass me about the debt again. My ex-wife did not reveal the debt in the divorce decree, because she intended to hide it from me. Therefore, because of her concealing the debt from me and the fact that I never authorized her to use the card and XXXX never attempted to verify that she was an authorized user and never notified me that charges were being made by XXXX on my account, I consider the debt her sole responsibility
I paid my statement balance, thinking that would avoid any interest. I was told when I spoke to a customer service rep, that the statement balance means nothing and that I need the pay the purchase balance in full on the date I make the payment, including purchased made after the statement was printed. I rely solely on the statement to determine how much I need to pay, and I try to pay the purchase balance in full to avoid interest. I do not think it is fair to charge interest on a balance that is unknown until the next statement arrives.
A lender was trying to see my credit score on Transunion. The score was not showing up for them so I called them a few times. Starting on XX/XX/XXXX, XX/XX/XXXX and again on XX/XX/XXXX. Each time I had asked why my score wasn't showing up. They kept telling me that there was no reason why it would not show up. On XX/XX/XXXX called again and was told lender had to call them. Was sent a credit report but no score was shown and it said I had to pay for it. I have a credit score but if ran against XXXX and XXXX it will not show up.
I applied for a loan on the phone with US Bank. I was told I would get an application to sign and that I would also have someone calling me on Monday, XX/XX/XXXX, this was Saturday XX/XX/XXXX. I had waited a week and I never received a call or an application. 

I called on Monday XX/XX/XXXX and I had asked for a supervisor to call me and to date I have not had a supervisor call. I tried calling a mortgage number that I had, two days in a row it is over an hour hold time and no way that I can leave a message of phone number for someone to contact me back.

I feel like this must be against disclosure and lending laws. Don't they have to get an application out to me within three days? 

Thank you, XXXX XXXX XXXX
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   : XXXX Experian.n : XXXX XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : XXXX Experian : XXXX   XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX XXXX : XXXX Experie.n : XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, Unknown XXXX : XXXX XXXX Unknown XXXX : XXXX.
Primary Capital deposited my loan payment on XX/XX/XXXX. Primary Capital then sold my loan to XXXX XXXX, XXXX. My loan payment was never applied to my loan with neither company. I called Primary Capital on XX/XX/XXXX and was told to email proof of the deposited check. I emailed Primary Capital 's customer service department on XX/XX/XXXX a copy of both the proof of payment as well as the deposited check by Primary Capital. I called Primary Capital onXX/XX/XXXX and was told that a refund was being mailed to me within two weeks. On XX/XX/XXXX, I spoke with another Primary Capital representative that told me a refund was not possible and that Primary Capital applied my payment to the wrong loan. The representative said they had were having trouble getting a response from XXXX XXXX XXXX about sending my payment. I requested escalation of my issue and got a call from another representative of Primary Capital onXX/XX/XXXX. I was told that my issue would be resolve within 10 business days and that I would receive an email confirmation that my issue was being resolved. I have never received any type of email from Primary Capital. I called XXXX XXXX XXXX on XX/XX/XXXXand was told that they have never received any communication by Primary Capital and that they were lying. My payment has been deposited for more than 60 days and has yet to be applied to my loan. I have received no responses to my 3 emails sent to Primary Capital 's customer service department. I have received no communication from Primary Capital that a mistake was made by applying my payment to the wrong loan and that they were working to resolving the issue. I ca n't get a response from Primary Capital and my payment was deposited but not applied to any loan. I ca n't get a refund or any type of resolution or even communication from Primary Capital. Please help as I have no other options for assistance.
I was over drafted  XXXX  dollars, the morning for unknown transactions. I had used   XXXX   XXXX   the day before to put some money into my account because I just got back from vacation and I do n't get paid until early Friday mornin g pnc  has jacked me around for a long time now with the pending transactions I need this app to work so I can have a stable balance in my account
I am filing an official complaint against ARS Account Resolution. They are not putting this collection back on my account, when they sent me written verification that the account was closed and they would remove it from my credit report. If it had not been for me checking my credit this morning I would not have known this. They are in violation of the FDCRA as I have asked them in the past to give me the written contract with my signature on this as well as a signed  HIPAA  Release form. If this account and all subsequent accounts from ARS Account resolutions are not removed from my credit report I will take legal action. If this company can not provide a signed contract, a signed  HIPAA  release form stating I gave this provider permission to share my medical information then I am asking they be investigated for violation of the FDCRA. I notified them in writing many times and they are now in violation.         Credit Items ARS ACCOUNT RESOLUTION  S Ad dress :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  No phone number available Account Number :  XXXX  Original Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX  Address Identification Number :  XXXX  Status : Collection account.        Status Details : Th is account is scheduled to continue on record until  XXXX   XXXX .   This item was updated from our processing of your dispute in  XXXX   XXXX .       Date Opened :  XXXX  Reported Since :  XXXX  Date of Status :  XXXX  Last Reported :  XXXX  Type : Collection Terms : 1 Months Monthly Payment : {$0.00} Responsibility :  Individual Credit Limit/Original  Amount : {$580.00} High Balance : NA Recent Balance : {$580.00} Recent Payment : {$0.00} Payment History :  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX   XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX  ND  XXXX   XXXX  Account History : Collection as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  Your Statement : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ).
Issue that occurred was on Friday afternoon, XXXX XXXX, Capital One bank contacted me, and informed me they accidentally drilled into my safety deposit box, ; they said i needed to go down there and pick up my items. The bank is located at XXXX XXXX XXXX, XXXX, Texas XXXX. The Manager who called me is XXXX XXXX However, upon arriving at the bank, the bank refused to release or even let me see the contents of my safety deposit box, unless i signed a form, waiving all liability to the bank, and confirming that all items were intact despite not having been able to see them. I was offered a chance to review an inventory that was hand written, illegible, and disorganized.
XXXX XXXX, XXXX To whom it may concern, I 'm filing this complaint, with the hopes that you will please assist me in resolving a Release of Lien matter with Bank of America. 

I originally signed a balloon HELOC loan with them on XXXX XXXX XXXX. That 's loan matured on XXXX XXXX XXXX and I am unable to make payments on this. When I signed on that loan, I was just a couple of years away from depending entirely on SSI comma for income, yet I spent the next ten years, depleting my savings, making certain that they got their payments and over the course of the loan, paid just over {$30000.00} in interest on this note. 

The note is due and I can not pay it. I 've turned to a broker, who negotiated the sale of my home, last month, and we 're getting absolutely NO COOPERATION whatsoever from Bank of America on this matter. 

There is a first position on this loan - XXXX. XXXX will be receiving full pay off and there is roughly {$5000.00} in Surplus cash to offer to Bank of America to settle and release this note. 

I can no longer to afford afford to even pay my primary mortgage payments, moving forward, and desperately need your assistance with this. 

THANK YOU! 

Loan information - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Loan number - XXXX
In XXXX I injuried my XXXX 3 times. I 'd seen multiple doctors, surgeries, pt 's. I ended up with XXXX 's of dollars in debt, and zero way to pay it. I lost my job, I lost my entier life savings. I was living off my daughter ssi of XXXX dollars a month, and in massive physical pain. About a year later in XXXX. I 'd be reported to collections by XXXX. For over XXXX dollar. I send them XXXX dollars. I think got a bill for XXXX dollars. I never called them and worked out a payment plan. I did n't do payment plans because I could n't honor them. My mom every 6 months would send me some money for medical debt. I sent them XXXX dollars, in XXXX, and that was the last I heard of them until yesterday. 5 years. When the filed 5 years of non payment collections on my credit. They never called me, they never billed me. They made zero effort to bill, call me, never sent it back to collections. Until XXXX/XXXX/XXXX. My money problems never got any better. I since been dx with possible XXXX, and I live off I and my daughter XXXX, at XXXX dollars a month.
I had been looking for a new Credit Card to transfer a balance to and after reading some reviews, I saw that the Chase Slate card offered a 15 month 0 interest balance transfer option and no annual fees which would give me an opportunity to pay off the amount in that period without being charged interest. Perfect right? So I applied online and indicated I desired to transfer a my balance - close to {$8600.00} in the application. They also listed XXXX APRs - 13.24 %, 18.24 %, or 23.24 % that they offered and I would be placed in XXXX of these buckets. So they approved my application, but only for {$3500.00}, and also placed me into the worst APR bucket at 23.24 %. An account was opened and they initiated the balance transfer. Here is the problem - AT NO TIME DID I HAVE AN OPPORTUNITY TO APPROVE WHAT THEY OFFERED ME. If I had known they would not approve the full amount, for whatever reason, I would not have agreed to open the account. I also would not have agreed anyway on a 23.24 % APR which is absurd considering I have good credit standing and securable assets. It still is mind boggling why we allow credit card companies to even offer these high rates.
My father has fraudulently filed for bankruptcy under my social security number in a different state.  XXXX  claims that they " verified '' that the bankru ptcy is mine after multiple disputes and sending proof that it isnt mine. It is not possible to verify this bankruptcy via US Bankruptcy Court of  XXXX  b ecause i have already called twice and they have stated over the phone that they DO NOT sent out verifications or have an online system for credit reporting agencies to validate bankruptcies.  XXXX  is in multiple violations of the FCRA and FDCPA.
They called me XXXX times in a matter of XXXX hours over a balance of {$490.00}. This is ridiculous.
Dear Sir, I have a one Month past due on my credit card payment. 
The bank unilaterally withdrew {$1000.00} from my checking account and applied it to a credit card number which is no more active - but did send the money to the current the credit card. 
-There is NOT part of a scheduled / recurring payment plan -This not an E-bill 1.i went to my bank and a agent called customer care which could not justify the withdrawal or provide authorized document signed by me. 
2.I sent them a letter to my bank agent enquiring about the withdrawal and asked them the return of this amount. 

3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written " Speciality Claims research and Resolution '' stating the below : " what you need to know " " we are unable to return {$1000.00} at this time because your account is currently past due, over the credit limit or both
With Chase a {$620.00} charge ( XXXX 2015 ) was originally disputed due to an obscure merchant name and the monies reapplied to the merchant who uses XXXX account. Chase then send us a our statement which was paid the full amount in XXXX. The merchant is indicating that XXXX is saying they have not been given the money. I have reached out to Chase XXXX times and in each case they say they are showing that the issues lies with XXXX. Regardless it seems they are not interested in solving a customer service issue with their backend payment process as they have been paid and the merchant has not been paid from Chase.
I applied for a credit card online on XXXX XXXX 2015 and within few minutes I got a message on my screen saying my application was approved and I will get the card within 1 week. I did not receive the card till XXXX XXXX and when I called, they said I will receive within 5-7 business days and that too 'after the card is mailed '. So at the very first place they should not have given the statement that I will get the card within a week. 
When I requested them to send it via expedited shipping they refused. 
I waited till XXXX XXXX ( which is after 7 business days ) and then I called them. The executive told me that he will cancel the original and send me a new one via expedited shipping and I will get the card within XXXX hours via XXXX. I waited till XXXX XXXX and did not receive the card. 
I called them up again to get the tracking id of XXXX and now they told me it will take take more 5-7 business days for them to mail the card and then again 5-7 business days for me to get the card. Then I spoke to the executive 's account manager and he said I will get my card in 5-7 business days. 

I had my plans for the card and finally all travel plans ruined, vacation plans go waste and left with nothing but utter frustration. 

To conclude -- they provide incorrect information over internet. 
- customer care executives give wrong information to customers. 
- they do not have a dedicated department to take care of these grievances which canont be taken care by customer care. 
- they do not have the process of sending expedited card to new customers where as other credit card companies do.
I credit reporting for payment history since XX/XX/XXXX on my credit card Ive contacted TransUnion about this type of issue before
I submitted a dispute with Experian on XX/XX/2018 for my accounts to be properly verified and once verified. However, they have still not identified who their company verified the accuracy of these accounts, or how they verified them? Nor have they provided the physical proof of such verification. Under the FCRA section 616 and 617 it's Experian responsibility to authenticate the documents their files that were used to verify the disputed accounts.
I applied for a loan and was told that my name came up on the XXXX as a person on the XXXX list. I contacted all XXXX credit reporting agencies and have been told numerous things but mainly that XXXX does not show up on my credit report with their agencies. XXXX, Transunion, and XXXX. I have no idea how to get this cleared up and I am in need of assistance.
On XX/XX/18 I called Chase Freedom to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that they could possibly help me. They asked me a ton of questions about my income, my monthly payments, my utilities etc. XXXX seemed to want to help and said he could get me a lower interest rate and payment and even set a date for payment. He then put me on hold and when he came back, he said he couldn't help me. He said his manager didn't give him an explanation but that he could not help. He suggested a debt consolidation company and ended the conversation.
A collects account from XXXX was deleted last year XX/XX/2016 and has been reinserted and lowered my credit score XXXX points. I did not receive any documentation stating it would be reinserted and why.
Tried to resolve issue with XXXX debt reported on my credit. They advised that I would have to speak with the original credit about reporting the incorrect amount. I forwarded them emails to correct the amount and they refused to correct the balance. They read me notes that they received a call from an employee of the property that I was not responsible for the debt, but they said that they said that they needed to get paperwork from the property. I forwarded emails to the collection company from the property showing that I did not have a balance, but they said all they can do is forward it to their accounting department. I am just trying to understand why they are trying to collect on an account that shows that I have a zero balance.
I was scammed out of {$80.00} from a person claiming to have concert tickets for sale. I was asked to use XXXX through my bank account. I soon realized this was a scam but had no way to get the money back and Bank of America refuses to help with it besides asking the person whole scammed me to give the money back. Obviously that wont happen. XXXX is advertised through them yet they have no fraud protection on it.