WillisBack/dataset-financial-user-claim huggingface dataset:
Global Financial Solutions has been taking {$300.00} from my account for 2 and half years. Plus {$100.00} to another creditor also takes out {$100.00} per month. My total debt was {$18000.00} they told me I will save {$4000.00} for settling because they will help me settle but now I received lawsuit from my credit card companies and Global Financial Solutions is telling me that they did not pay these creditors suing me now because not enough money. I do n't know what they did to the {$9800.00}.
In XX/XX/XXXX, I used PayPal to pay for several purchases. I got a bill from PayPal Credit.
My PayPal account is backed by a VIsa credit card. I have always paid PayPal thru this credit card. That is the way I want it to STAY.
I called PayPal Credit. They have opened an account thru Synchrony Bank, IN MY NAME!!!!.
This was done WITHOUT my Knowledge or Approval!!!!!
I consider this FRAUD!!!!!
I closed the account with Synchrony Bank.
I saw online, That in XX/XX/XXXX PayPal PAID a XXXX XXXX FINE for doing this ILLEGAL ACTIVITY!!!!! THEY ARE STILL DOING IT!!!!!!!
P.S. I had to go online to find out who to complain to. I asked PayPal credit & Synchrony Bank. THEY WOULD NOT TELL ME!!!!!
On XX/XX/XXXX and XXXX I faxed Equifax A six page complaint including drivers license Social Security card and a police report.in result to faxing them this I have contacted them over eight times verified their fax number and a department that it was sent to and they are constantly telling me that there 's no documents uploaded to their system or no way to locate my personal information. They refuse to give me any other updates and telling me that I have to dispute each account one by one and seeing in the documents over which I stated to them that I am not in the US and therefore all the documents have been sent to the US and not able to do so at the time.they also told me that it will take an additional couple of days from the initial time that I sent and the complaint the representative then open up disputes on that account I asked to backdate them to the XXXX which I was given the answer no. This is very unfair to me and my family because my credit is how I support my family without Credit I can not get a place to live a decent job to take care of my kids as a single mother I am all my kids have.
I 've checked credit report and noticed I few things I was n't aware of I 've tried to dispute the items but there still there
Portfolio Recovery calls everyday from all kinds of phone numbers. Calls multiple time while I'm at work. I have asked to stop calling, but then will use another number to call again.
Interest was charged on my account even though I had paid the bill in full and a full week before it was due.
I applied for a Discover It credit card in XXXX XXXX 2017. I was approved but for a very low credit limit of {$1000.00} a month ( the average credit limit for the Discover It card is {$3000.00} ). I have an Excellent credit score, long history of credit use and very little debt. I requested that my credit limit be increased. When I asked a manager why I was approved for such a low credit limit, they replied that they do not consider joint credit when determining credit limits. I explained that my credit cards are joint cards with my spouse because we are married and all of our accounts are joint. They replied that they would not consider any of those accounts or credit cards because they are jointly held because they do not know if I am just free-riding on my spouses credit. They said that I would need to build an individual credit history apart from my spouse. I explained that this discriminates against married couples. They replied that this was their company policy, and there is nothing that they can do to change it. In a country where the Supreme Court recently established that marriage is a right under XXXX, I was stunned that a company would discriminate against married couples and would force married couples to separate their finances in order to get credit.
My credit report on XXXX is showing under my personal information that I have an alias called " XXXX XXXX ''. That is not my name and I have never used that name in relation to any financial legislation. I have witnessed this false information on XXXX  under my credit report on XXXX/XXXX/17.
Wells Fargo, XXXX Iowa XXXX. 
Opened bank account. 
The clerk and did not let me read any of the documents because they were on her computer screen and are only printed after you sign. 
I did not receive adequate explanation about fees, ended up closing the account which involved standing in line again and a waste of time. 
When closing the account I asked why was n't I notified about the fee details or allowed to read the paperwork and was told that it is a nationwide bank policy.
Ocwen Loan Servicing acquired my current home loan. Previously, Ocwen reduced the mortgage payment to about {$1100.00} per month without me having to refinance. Recently, Ocwen increased my mortgage payment by a ridiculous {$800.00} extra per month. Now my current payments are {$1900.00}. Ocwen said this was due to an escrow shortgage.???. Anyway, I have been sacrificing to pay this outrageous amount for the past several months and I know the escrow shortage should be cleared up by now. I requested that my payments be lowered back to around {$1100.00} and was told that couldn't be guaranteed since the shortage amount had already been calculated and included in the remainder of the loan balance. Ocwen said that I could re-finance. I DO NOT want to refinance with Ocwen. I didn't refinance for them to lower my payment prior to this huge mortgage increase so I shouldn't have to refinance now. This will only add additional fees and increase the loan amount. I also received a notice from Ocwen stating they have PMI insurance on the loan. I want this removed to help lower the mortgage.payment.
XXXX hospital of XXXX XXXX has been sending us medical bills asking us to make payments on bills that have already been paid by the XXXX our health insurance company. They recently sent XXXX of our bills to a collection agency called Firstsource advantage. Firstsource advantage has been leaving automated messages on my wife 's work phone. They also sent us a letter in the mail trying to collect the money. My wife, out of panic made a FULL payment of those amounts resulting into a double payment to XXXX hospital. I am attaching below XXXX payments XXXX made to XXXX hospital including the EFT payment code and date. XXXX hospital is trying to collect the SAME bill from us. 

1. Claim DetailsLearn More About Your Claim Details and Paying Claims Online {$300.00} Total Amount billed by Health Care Professional : {$220.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( You ) Date ( s ) of Service : XXXX : XXXX : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT Number:XXXXHealth Care Professional : XXXX XXXXYou PayYour Plan PaysAmount $ XXXX received by XXXX on XXXX/XXXX/2015 {$220.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open XXXX, WITH XXXX $ XXXX paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : CLAIM XXXX DetailsLearn More About Your Claim Details and Paying Claims Online {$420.00} Total Amount billed by Health Care Professional : {$290.00} Your plan pays : {$0.00} Amount you can expect to pay out of pocket : Member : XXXX ( Daughter ) Date ( s ) of Service : XXXX : MedicalStatus : CompletedClaim SummaryClaim ID # : XXXX : CompletedPayment : Made on XXXX/XXXX/2015 to ProviderEFT XXXX Care Professional : XXXX XXXX PayYour Plan PaysAmount $ XXXX received by XXXX XXXX XXXX/XXXX/2015 {$290.00} $ XXXX XXXX member rateSERVICES IN THIS CLAIM : Open AllMEDICAL SERVICES $ XXXXNot paid ( excluded by plan ) $ XXXX paid toward meeting your deductible $ XXXX paid toward your remaining coinsurance $ XXXX copay amount {$0.00} Your total responsibility : {$0.00} Total amount you can expect to pay out of pocket : THIS IS A SCARE TACTIC BEING USED TO COLLECT MONEY ON BILLS WHICH WE DO NOT EVEN OWE.. NOT ONLY ARE WE CALLED BUT WE ALSO HAVE TO LIVE IN THE FEAR OF BEING REPORTED TO CREDIT AGENCY AND OUR CREDIT HISTORY WRONGLY MANIPULATED. THIS IS UNETHICAL AND IMMORAL. XXXX and XXXX 's hospital IS RESPONSIBLE FOR IT BUT SO IS FIRSTSOURCE ADVANTAGE llc. WE WOULD LIKE OUR MONEY BACK. PLEASE CONTACT US VIA PHONE OR EMAIL FOR FURTHER QUESTIONS.
I had applied for a refi with XXXX XXXX through loan officer XXXX XXXX. He kept encouraging me not to pay my mortgage on time because we might close on the refi. This went on for 4 or 5 months and then I was told I was denied in a voice mail. He said I would receive a denial letter explaining everything. I have never received it. I notified him and I notified his supervisors on more than one occasion and I still have not received the denial letter.
XXXX XXXX XXXX sold our mortgage to Carrington Mortgage Services in XXXX of 2015. According to them I started out a month behind in payments. I had paid every month they sent statement and tried calling customer service to discuss this but got nowhere. They offered to take a partial payment by check as the website would only allow a payment in the amount of two months XXXX, however there was a fee to do this. I then mailed a check to them and in the meantime started receiving certified letters of Intent to foreclose on our house. Even if they are correct we are only about 3 weeks behind on XXXX payment this is so ridiculous. We looked into this new mortgage company and were horrified to see what had happened to other people, they had lost their homes in a matter of months with this company. We paid the extra month they said we owed just to avoid ruining our credit and losing the property and the day we paid I received a statement in the mail informing us they were raising out monthly payment by {$210.00} explained only as other in the payment breakdown. I ca n't afford that and there is no reason for it. The escrow is currently {$510.00} a month which is {$6100.00} a year. The projected annual escrow payments are only {$5600.00} a year. The amount of yearly escrow? now if that 's even whee its going will be {$8700.00} per year. They do not need to pad the escrow with an extra {$3000.00}. We are very afraid that we will lose this property and need to know what we can do.
It has come to my attention the CITI group is actively attempting to interfere with rights guaranteed by the Constitution ( 2nd Amendment ) by manipulating or denying service to certain entities or transactions that are protected by the Constitution. I do not expect CITI group, or any other financial institution to be controlling the nation 's activities through such unpatriotic and un-American behavior. I do expect CITI group to tend to the business of their business and stay out of the business of social tyranny.
On XXXX XXXX there were, multiple unauthorized charges on my Citi Debit Card. Citi blocked my card and refunded me the transactions ( worth of {$700.00} ). Three weeks later, the same transactions show up in my account saying " other '' under description. I call Citi, they say the case was not in my favor. I ask what " case '', I was supposed to have XXXX liability for unauthorized transactions, not was I ever contacted in regards to the transactions. I am given a fax number - and it took over an hour on the phone - saying I should prove I have n't authorized the transactions. I check online, the original fraudulent transactions are completely deleted from the account, I just have Citi 's recent withdrawal of the same amount under " other '', with no merchant detail or information. Today I went to a branch to fix this. After one and a half hour, no resolution. It took that long for the manager to even find the original transactions since they have been deleted from the account. They all happened on XXXX XXXX - I have proof of a phone call with Citi as well as the issuance of a new card. Citi says XXXX of the transactions actually happened on the XXXX ( by which my card had to been blocked ), and that they are re-investigating, however they ca n't refund me the money. I was told it was an online transaction and I should check in with the merchant - that would have been useful if they had told me to do that XXXX XXXX, when the transaction happened, not now, 3 weeks later, when the order must have been fulfilled. it 's not my job to police fraudulent uses of my card, it 's Citi 's - they are supposed to have my back. Have they contact the merchant? I will never know because not XXXX single detailed of the so-called case has been shared with me - nor was I notified by Citi withdrawing that money. This is no OK. The bank ca n't just delete transactions, take money out of my account - all without notice or approvals. Now I am still missing {$700.00} worth of unauthorized charges and Citi says they are looking into it. How can I trust them with my money? This could happen tomorrow and they would be like " sorry, we do n't believe you ''. How can I prove I had n't authorized online charges, three weeks later, with no merchant data or warning / details form the bank as to what they have found? I understand they have to find a way to make a difference between unauthorized charges and disputed ones, but as a customer, I need to know they have my back. Even the manager was confused as to why the transactions disappeared from my account, or the multiple misleading informations regarding the transactions ( I was told it was done XXXX XXXX, then XXXX XXXX when in fact I had found it XXXX XXXX. the only proof I have is the text message from Citi warning me of a fraudulent transaction that they later did not own up to ).
XXXX / XXXX /  XXXX      XXXX   XXXX   to     XXXX   XXXX   I spoke to 2 representatives. One was a regular representative and the other was a supervisor named    XXXX   XXXX  fo r 39 m inutes about the glitc h the Trans-Union had that erased my inquires and they added them back without formal   communications about what had happened. Neither of the representatives helped me and I was told that they would not help me.
It shows on my credit that I have a XXXX account which I have never owned a XXXX account let alone know how to use a XXXX. This should never have been on my credit.
This place continues to call me and they have the wrong number. I have told them this several times and they do n't believe me. I 've blocked their number and now they are leaving messages from an unknown number. They also shout and use profanity and threats. They are known as a debt collection company called " Credit-Check '' in  XXXX  MI. They have the wrong number.
I have been requesting Experian to investigate inaccurate reporting on my credit report since XX/XX/XXXX I have not received any results back from the investigation that has taken place. Certified letters have been mailed XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. I have received a response that a telephone number has been deleted. I have requested the inaccurate reported accounts be investigated. To date, Experian has refused to investigate the inaccurate information.
I received a letter from C. Edwin Walker, Attorney at Law, XXXX XXXX XXXX. XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX XXXX, IL XXXX, stating that I owed {$480.00} to XXXX XXXX , XXXX plus reasonable attorney fees for work that they completed at my home. I requested written verification that my credit card was presented for payment and rejected by my bank to insure that the plumbing company did try to present the payment and to rule out any type of bank fraud that might possibly have taken place. The money was available at the time of payment and I paid other workers with cash from the same bank account after the date that XXXX XXXX was issued my credit card number. If the plumbing company presented the card request within one to two days the card should have gone through. If the card was rejected by XXXX XXXX bank or my own bank the POS ( point of sale ) machine would have issued a receipt showing that the payment was declined. The attorney told me to go to my bank and get verification that the plumber 's payment was rejected but I stated that debt collection laws required his company to do the work by requesting the information from the company that is accusing me of the crime of non payment. C. Edwin told me that he would advise the plumber to file a civil suit against me. I do not believe that C. Edwin Walker is a valid Attorney at Law and I am requesting an investigation into the matter by the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX, XXXX, XXXX
Webster Bank advertised a {$350.00} bonus for opening a checking account by XX/XX/XXXX  and making a payroll direct deposit by  XX/XX/XXXX . I opened my account on XX/XX/XXXX , and a payroll direct deposit occurred on  XX/XX/XXXX . The terms of the promotion stated that the {$350.00} bonus would be deposited by  XX/XX/XXXX , but that did not happen.
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On  XX/XX/XXXX , I sent a secure message to inquire about the bonus, and was denied because I supposedly did not have a payroll deposit to the account. I replied pointing out the payroll direct deposit on  XX/XX/XXXX  from my employer, and on  XX/XX/XXXX , was told that I would hear back after more research was done. Today is  XX/XX/XXXX  ( over 2 weeks later ), and I have heard no additional information.
To Whom It May Concern : I 'd like to register this complaint regarding my past XXXX and initial phone calls to Bank of America Credit Card services. I recently opened a line of credit with them and have been wanting to do a balance transfer. XXXX call was made 2 weeks ago, XXXX calls have been placed this week, XXXX two days ago during evening and XXXX a few minutes ago, a Friday afternoon. I was told by an automated system message that the waiting time was between XXXX to over 2 hours. Last time I was told the same and offered a callback. This lack of service must be in violation of the company/corporations minimal service threshold. As a XXXX who helped push for the creation of the CFPB, I seek your help in having this issue addressed or filed.
On XX/XX/2018 I got an alert on my credit report saying I had collection accounts effecting my credit score. There were 3 accounts with a total of about 65k. So I did some investigating and found the company XXXX XXXX as the collection company. They listed the original lender as XXXX XXXX ( which does not do student loan lending ) but my credit report has XXXX XXXX XXXX as the original creditor. So I disputed this info on all 3 reporting agency reports. XXXX, XXXX and TransUnion all returned saying the accts were accurate. So after hearing this I reached out to XXXX and requested the original loan docs for my 3 accts that they were reporting for me. As of today XX/XX/XXXX they have failed to provide any type of proper documentation to show proof that the acts were mine. No loan docs, no promissory note, or any type of paperwork showing my signature or date. I also tried to contact XXXX XXXX XXXX but they aren't a real company, and XXXXXXXX XXXX does not do student loans. I explained this to XXXX, XXXX and TransUnion but they would not remove the collections from my report. How are these companies able to reflect false information on my credit report while the " reporting agencies '' willingly accept the info without proper documentation? If proper documentation is not available to show proof that I own these accts then they should not be on my credit report.
cit bank cards has DELeteD reward points from online account. 

check online account nd XXXX reward points have been REMOVED ILLEGALLY from my account. 

Citi Bank is untrustworthy and attempting to deny my earned reward points
In XX/XX/2017, I purchased products from XXXX using a XXXX Credit card, after receiving my products an XXXX credit card was issued by Chase was open / issued to me without my authorization. 


I contacted XXXX / Chase at that time they canceled the card and closed the account with no money owed by me. 


On several occasions Chase have sent bills to me on this account that for # 1 ) I didn't authorized, # 2 ) that I NEVER used or OPENED. 


I sent numerous letters, but I'M continued to get a monthly bill on this authorized account.
I have requested each of the credit reporting agencies multiple times over the past year requesting a freeze on my credit reports. With each request, I have included name, social security number, and address verification. None of the CRA 's are following through with the freeze request, and have even prevented me from accessing any of my credit information. Experian claims they do not have a credit file on me even though I have a copy of my credit report and include it with my requests as well. XXXX won't provide me with any information either. 

I have also submitted police report regarding identity theft, which has also been disregarded and ignored. 

In an attempt to apply for a home improvement loan, none of the CRA 's were willing or " able '' to lift the security freeze as requested over the phone nor in writing - even with various documents proving identification.
I got an email from my payroll dept regarding a wage garnishment. The company Biltt and Gaines, P.C.  located at XXXX XXXX XXXX XXXX, IL XXXX Ph : XXXX fax : XXXX. Case No XXXX XXXX   XXXX for debt collection and wage garnishment of {$8000.00} from credit acceptance from XXXX. I have never owned a car until XXXX nor did I have a Drivers license at the time. 

I do not know how this was possible but I have a suspicion it was my ex-boyfriend who is currently XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the girl he was cheating on me with are the ones responsible for this. I am going to file a police report but this company is trying to garnish my wages. help.
I applied for a credit card from XXXX XXXX on XXXX/XXXX/XXXX. Experian gave them my credit score of XXXX ; which made the APR 24.99 %. I always check my credit scores at the end of every month. TransUnion ( XXXX excellent ) & XXXX ( XXXX Good ). I 'm unable to check Experian 's because they charge a fee ; however I can check it on my credit card statement. I want to know why there is a 70 difference between the three credit report agencies. 

I have worked hard to build and maintain good credit worthiness ; and a credit reporting agency can destroy it by reporting negative information. On XXXX/XXXX/XXXX, I contacted XXXX XXXX and they directed me to Experian. Contacted Experian and was told that they would send me a copy of my credit report. I went on line and got my report and there was nothing on it to give me a LOW SCORE. 

Someone needs to investigate why credit bureaus can do or say whatever they want to about a person that can destroy their credit worthiness. 

PLEASE SEE ATTACHED DOCUMENTS. I will be mailing a hard copy of my dispute/complaint to Experian, XXXX XXXX XXXX XXXX, XXXX, TX XXXX - per the internet.
I FILED A COMPLAINT WITH YOU AGAINST XXXX XXXX ON XX/XX/2018. THE COMPLAINT NUMBER IS XXXX. WITHING A WEEK, I RECEIVED A RESPONSE FROM YOU AND THE COMPANY, XXXX XXXX. XXXX XXXX SENT A LETTER ATTACHED TO THE RESPONSE THAT DUE TO THE FACT THEY HAD ISSUES WITH THEIR SYSTEM AND NO ONE COULD CONTACT THEM EITHER ONLINE OR PHONE, TO CONSIDER MY ACCOUNT SETTLED IN FULL. NOW THEY WANT A PAYMENT. I ASKED TO SPEAK TO SOMEONE IN THE XXXX XXXX   COMPLIANCE DEPARTMENT AND THE AGENT SAID SHE DID NOT HAVE A NUMBER FOR THAT DEPARTMENT. I NEED HELP. XXXX XXXX NUMBER IS XXXX. I STILL CAN NOT CONTACT ONLINE.