WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I had a billing dispute with XXXX so I decided to change carriers, ( XXXX XXXX XXXX ). I communicated via email with a manager of some kind who appeared sympathetic. Nonetheless, my account went into collections. The collection agency that handled my account collected about {$330.00} from me. From this point on, I thought the debt was satisfied. 2 years later, XXXX or the collection agency " Diversified Consultants '' is still listed on my credit report as a collection item. I called the collection agency and was informed by a representative that most items take 45 days to be removed from a credit report. This obviously did n't happen. I requested proof of payment from the collector and they agreed to send documentation. I called XXXX 's Finance department who informed me that I still owed {$230.00}. So, for 2 years I was responsible for a debt I never knew existed. XXXX said contact the debt collector. The debt collector said the account was paid and closed. So, for the sake of peace I paid this unknown, due balance on XXXX/XXXX/XXXX and asked for physical proof of payment. The representative said that they only provided confirmation numbers. Considering the discrepancy in information received and the negative impact this has had on my credit report, I need physical documentation that both confirms the debt was satisfied and that the item has been removed from my credit report. Had I not did my due diligence, this " ghost debt '' would 've remained.
XXXX is reporting on my Equifax and XXXX  credit bureuas, and according to the State of California and CFPB, these accounts are no longer my responsibility. I want this account removed from both credit bureaus. 

https : //oag.ca.gov/system/files/attachments/press_releases/XXXX.pdf http : //www.consumerfinance.gov/newsroomXXXX/
After an online application, I received correspondence from Bank of America stating possible approval of a business credit card for our non-profit corporation [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX if we secured it with a Bank of America Certificate of Deposit. I spoke with XXXX XXXX, a BofA small business specialist, and mailed checks to open a {$1500.00} CD with the bank. Additionally, I signed and returned [ by delivery confirmation XXXX all documents as directed in the correspondence I received from the bank. 

After not receiving the card in a reasonable amount of time, I called and attempted to speak to someone within the bank to check on the status of the promised credit card, secured by our Certificate of Deposit with Bank of America. After being placed on hold for up to 45 minutes one agent informed me that they had not received all required documents XXXX which were sent with delivery confirmation!!?? ] ; and that after we received the card it would require payment of balance in full at the end of each month. 

We feel very uncomfortable and do not desire to continue in any banking relationship with Bank of America. We feel that we were misled and given incomplete information. We feel that after depositing our monies, we 're not given the respect of attention to our concerns and return of our calls. I 've left at least three voice mails with XXXX XXXX XXXX XXXX XXXX XXXX XXXX without the courtesy of a return call all day. One female agent I spoke with today was very insensitive and condescending in her conversation with me. I 'm a XXXX years old semi-retired XXXX. I think all people deserve common respect.
I have XXXX credit protection through XXXX because my information was compromised through their security breach. There are now collection notices from Sunrise on my report. I am not behind in any of my debts. I never received a bill or any other notice that I owed money to XXXX XXXX XXXX XXXX prior to this notice on my credit report. I was not aware of this alleged debt in any way prior to this notice. I have disputed this debt in writing with Sunrise Credit Service. I do not believe these businesses should  be able to phish for a response from me by placing a notice on my credit report without first sending me an actual bill that I don't actually pay. I do not do business with XXXX XXXX XXXX XXXX in any way and do not have a debt with them.
XXXX I never consented to opening loan the school I attended never disclosed to me that I would be taking out student loans to cover the high priced tuition I would have never attended the school if I knew I had to take out a loan.
Affiliate Asset Solutions mailed me a letter to collect {$20.00} and {$18.00} for an emergency room visit on XX/XX/2016. I wrote back to dispute the validity of the debt because I paid the amounts described on XX/XX/2016 to the original creditor, XXXX. I provided a printout of the original creditor 's web account showing I paid the listed amounts and that I paid a total of {$240.00}. Affiliate Asset Solutions responded with a letter indicating that the original creditor showed the amount owed was XXXX, but that the balance due was the total {$1300.00} billed because the account was charged off as a delinquent account. The bill Affiliate Asset Solutions provided as proof of debt misrepresents the amount owed to the original creditor because XXXX has already paid the contractual amount of {$240.00} and I paid the patient portion of {$240.00}. Affiliate Asset Solutions is collecting more than the amount originally agreed upon in writing between XXXX and XXXX. I was assured by my health insurance that I may not be billed the difference between the amount billed by the original creditor and the contractual amount allowed by my health insurance provider. Affiliate Asset has also listed the alleged debt at both {$38.00} and {$1300.00}.
I was sent a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ) dated XX/XX/XXXX.
I spoke with a representative there on XX/XX/XXXXand set up 6 months worth of automatic payments with the understanding that these would bring my account current.
I made a note while speaking with them and they stated that they " do n't report to credit bureau '' as in this was possibly an internal collection company.
My payments were deducted as scheduled but inXX/XX/XXXX I received a collection notice from a DIFFERENT collection agency ( datedXX/XX/XXXX ) stating they are collecting a past due balance that was more than the original notice.
When I looked at my account online I found that XXXX XXXX  has been charging me a late fee each month and is now stating that the payments I was making did n't meet the minimum due and that 's why the payment is considered late, even though a payment was made on time each month.
At no point did XXXX XXXX XXXX  tell me that the payment I set up with them would n't be satisfactory to get my account back on track.
I had to set up a similar process with another creditor but once I made the agreed upon payments my account was considered up to date and back on track.
I 'm not understanding how this is legal to set up a payment arrangement but still charge a late fee each month because the minimum payment is n't met - which is the whole reason it went to collections in the first place.
I made two purchases on XX/XX/2018, and one purchase on XX/XX/2018, from an e-marketplace website called XXXX ( XXXX XXXX XXXX ) for virtual codes for a video game called XXXX XXXX XXXX. The purchases were paid through PayPal and I subsequently received the video game codes which I added to my game account. 

On XX/XX/2018, I received an email from the game developer of XXXX XXXX XXXX, stating that my game accounts have been suspended due to fraudulent purchases. The developers stated that the codes I had purchased from XXXX were found to " have been acquired illegitimately through fraud, hacking, or identity theft '' which led to the suspension of my account and the removal of the game benefits from these codes. From my correspondence with the game developer, it was revealed to me that XXXX is not an officially authorized seller for these codes and they are a marketplace where users can sell their extra/unneeded codes. 

On XX/XX/2018, I emailed the XXXX support team about this issue and requested a refund for my purchase. A XXXX support agent responded on XX/XX/2018, that they " can confirm that all of our codes are legitimate. '' In response, I asked the support agent to provide the original proof of purchase for the codes, such as date, time, and location of the original purchase. The support agent responded with completely irrelevant information. 

I submitted all this documentation, including the email from the game developer and my correspondence between XXXX, to PayPal to dispute these three charges. On XX/XX/2018, PayPal finished their initial investigation of the dispute and resolved it in the seller 's favor. They did not provide me with any information from the investigation and simply said that it was not in my favor. I re-opened the dispute and further explained the situation. On XX/XX/2018, PayPal finished their second investigation and still did not decide it in my favor or provide any information from the investigation. 

Therefore, I am submitting a complaint against PayPal for failure to disclose the outcome of their investigation and failure to protect and refunding their users from fraudulent web stores.
I had a visa credit card with Navy Federal Credit Union since  XXXX .  <P/> I rarely used the card, but paid interest on the balanc e (  card limit was {$1000.00}, and the balance was around {$200.00}  ) . I paid off the balance last week, and suddenly, the account was closed.  <P/> When I inquired what happened to the account, I was told that the account was closed in  XXXX . I was not notified of this, and had continued paying interest on the account, thinking that it was still opened.  <P/> I sent them a letter requesting that the account be reopened, since I paid interest all of this time, but they insist I apply for a new card. I feel like if they closed the account without my knowledge, and I 've paid regular credit card interest on the balance for the last 3 years, they either should reopen the account as per the previous terms, or they should refund all of my interest payments since  XXXX .
This information on my credit report was not reported per FCRA guidelines. I should have received documentation, or received contact, that this information would be reported to my credit report. I have disputed these claims, and have received no documentation confirming the right for these items to appear on my report.
I have tried to get my annual credit report from equifax and am unable to do so due to incorrect information on the questions they ask me if its really me? My name is XXXX XXXX XXXX and my phone number is XXXX could you please help me in regards to getting my annual credit report? Thank You very much. 
Sincerely, XXXX XXXX
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as XXXX XXXX XXXX. I have never done any business with this company and I demand a full investigation. I do not recall any payments or anytime timeline of activity ( DOLA ) with XXXX XXXX XXXX or XXXX.
My lease matures on XXXX XXXX and the car is due back within 10 day so maturity. In the beginning of XXXX, I called the US BANK to confirm that my final payment submitted cleared my financial obligation excluding charges for excess mileage, wear and tear etc ... They confirmed that I had satisfied my lease and in fact had a {$29.00} overpayment credit. No funds were due to US Bank. Today, XXXX I received an invoice from US BANK for {$430.00} due for XXXX. Confused I called the bank. After significant hold time, the first agent confirmed I owed nothing and had a credit. But, she could not explain the bill. After a transfer and hold time, second agent explained that a " computer sends the bills. '' I explained that this must be illegal, as I do not owe them anything and had I not called, I might have sent them the {$430.00}. She said that it was just an error and I could ignore it. Not satisfied, I requested that I log a complaint. She transferred me to billing. After 20 minutes holding, a clerk got on the phone and told me that the bill was " just in case '' we wanted to lease month to month. I explained, that it says nothing about that on the invoice ... it just says Payment due for XXXX. I received no letter or mail indicating that the car was available for month to month leasing after the terms are satisfied. And, on my XXXX calls to customer service in the past in preparation for the car inspection and return, no one had ever mentioned anything about keeping the car month to month and paying a fee that is less than my original lease. She was insistent that this was common practice and US Banks only intent. This is clearly US Banks attempt to fool customers into over paying against a balance that does not exist. In any other business this would be considered stealing under no uncertain terms. It is clear fraud to present an invoice for an amount you do not owe. The US BANK should not be permitted to continue practices like this.
I use my capital one account for almost every purchase. I use the " Drop '' app to accrue points for tracking purchases, but they recently told me the reason I'm no longer getting points is because capital one has blocked Drop 's provider 'Plaid ' from accessing the API. They said the only way to get Capital One to restore access is to file a complaint.
This complaint is associated with Wells Fargo Bank. I have had multiple accounts with Wells Fargo including a VISA credit card. Over time, I accumulated points by using that card. Recently I attempted to redeem rewards online without success. I went to a local Wells Fargo Bank to find out what was going on. I was told that Wells Fargo closed my VISA account. They maintained that I hadn't used the account for some time and that they sent a letter to me notifying me that the account would be closed. I have no knowledge of any notice and, according to my card, it is not set to expire until XX/XX/2018. The person at the branch was also told that since my account was cancelled, all of my accumulated points were cancelled, as well, even though my online account still states that the points are valid. The person at the branch attempted to get a copy of the letter purported to have been sent to me but was told that a copy of that letter was not available.
I recently received an alert of a collection on my credit report. From Enhanced Recovery. I never received a letter from ERC stating that they were attempting to collect a debt from nor have I received any phone calls. I have no knowledge of a XXXX account nor did I have a XXXX on the dates listed on my credit report.
There is an account on my Experian credit report that reported by XXXX XXXX XXXX. This account is inaccurate and incomplete. The account is not collectable due to statute of limitations and has not arisen from a written contract that I signed.
I have recently found out about inquiries that i was not aware of. After reporting mine being a victim of identity theft twice to consumer agencies XXXX has not removed items on my report. Only XXXX. XXXX XXXX XX/XX/XXXX ;XX/XX/XXXX ; XX/XX/XXXX XXXX XXXX- XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XX/XX/XXXX. XXXX XXXXXXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XXXXXX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX. XXXX XXXXXX/XX/XXXX. XXXX O XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXXXX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX- XXXXXX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XXXXXXXX XXXX-XX/XX/XXXX. XXXX XXXX XXXX-XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX ; XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX-XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXX/XX/XXXX
My vehicle is a XXXX  XXXX XXXX, yes I got behind but continued to make payments, I would deliver payments to one of the Wells fargo banks in person, made payments above the installment agreement. Wells Fargo kept hitting me with fees and extra interest as well as late payment charges. I have paid over 50,000 dollars to this bank on this trunk, remaining money owed is less than 4,000, the truck would have been paid for if not for Wells Fargo 's attempt to " take '' my asset. Yes, I am in financial trouble but I had been paying for the truck. Wells Fargo uses the credit/personal information bureaus to determine easy targets to take people 's assets I believe. This past summer I made extra payments every single month and then Wells Fargo auto finance began to send me " bank '' checks back to my address as if I would cash them, they transferred my account to another account and I only have a telephone number, they will offer me NO written correspondence as to how I can safely proceed with finishing this loan out. Eventually I had them to agree to put almost 2,000 dollars back against my loan that they had tried to send me payment checks back for. These are payments I made at the bank that they accepted and cashed my check payments. I would just as soon they give me my title as the payoff should be XXXX at this point! I will burn the asset before I give it to them! Wells Fargo is facing a XXXX dollar fine at this point with the FTC, it should be XXXX XXXX dollars and they should be stripped of the ability to steal from consumers ever again. I was one of the people when I had plenty of money they opened new accounts for without my permission and when the so called " opening balance '' fell below what they had opened these fake accounts at they started charging me added fees for my balance being below 65,000 dollars? I don't have much any longer, I'm about to go bust bankrupt wise but I need help and I want these people that orchestrate these criminal acts prosecuted to the fullest ability of the law! I want my title to my asset and this mess closed. I am not alone in this mess, hundreds of thousands of Americans have been taken for a ride with Wells Fargo. When I bought the truck, my credit score was XXXX on the XXXX scale, after I got the truck Wells Fargo would do credit checks to lower my score every single month until I caught on to what they were doing to intentionally lower my credit score and of which I filed one of these reports and they were forced to stop because they knew if they could lower my score I could not get a better finance rate as they well know when someone with a high score is paying 8 % interest at the time that many will come knocking to refinance your rate. It's not just me, they do or did this to everyone! XXXX XXXX XXXX, he owns and controls this bank.
I work very hard to pay my bills and I want very much to keep my student loan payments in good standing. I can not afford the XXXX a month payment Discover is requiring of me. And now they tell me I have no options. None. I have tried all I can to come up with a payment plan that works for us both. I am a new father and have even taken on a XXXX job to try and make ends meet. Discover let me pay a reduced payment of $ XXXX/month that was just doable for me. Now I am out of options. The only option now, it seems, according to Discover, is to default, which I do not want. I have XXXX co-signers : my brother who is in the XXXX XXXX and can not afford these payments and my sister, who also can not as she is a stay-at-home-mom. I want to be in good standing. I want to work with Discover, but they refuse. This can not be how their business works : " Sorry, too bad, nothing we can do. ''
When shopping for a home mortgage U.S. Bank made multiple promises to us as first time home buyers which made us select them for a loan over XXXX XXXX. These promises included covering 1 % of the mortgage interest rate for the first year, providing a 0.25 % reduction in the mortgage interest rate for having a U.S. Bank platinum account, and submitting the loan through the Illinois Housing Development Authority for the first time home buyer assistance program. The US Bank mortgage officer stated that US Bank is the only bank which can underwrite for the IHDA loan program in the state. None of these ended up being applied to our account. US Bank even failed to submit us to the IHDA first time buyer program.
I have a mortgage on a property in Mississippi. Since I have had this mortgage, I have made 2 payments each month, with instructions to the Servicer that an additional {$50.00} is for the Principal, and the 2nd payment of {$400.00} is to be applied totally toward the principal. XXXX bank and XXXX had no problems in doing this, but in XXXX 2013 Ocwen took over the Servicing. Ocwen is applying my additional payments to future months, and I have to call them each and every month to force them to correct this. Each month I do this, I get a letter from the Onbudsman that the issue has been corrected and will no longer happen again. But each and every month it continues to happen. I spoke with XXXX XXXX XXXX, Senior Counsel, Ocwen Financial Corporation, and she assured me that this would be resolved. I have letters from XXXX XXXX from the Office of the Ombudsmand for Ocwen Loan Servicing , LLC that states that it was resolved. I have spoken with Ocwen 's outside Counsel, XXXX XXXX, XXXX, ( XXXX ) XXXX, whom also stated that this would be resolved. My next step is to file civil action in U.S. District court to seek relief or some solution. That is when I found this web site where I can file a complaint to attempt again, for the last 2 years to get this resolved.
I have a case with you is XXXX I receveid a letter from nation star saying tht I was missing documents when I had printed out from there site that all paper work was recived so what are they doing playing with my feelings all I ask is for me to keep my home iam XXXX XXXX XXXX and all I want is to lower my mortgage payment that there going to raise in XXXX to XXXX wich I can not afford due to the fact that I I lost my wife along are the papers that they send and the papers that I printed out from there web site that everything was completed please help me Sincerely XXXX XXXX