WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX sent XXXX medical bills to collections. I do not owe any medical bills. I had full coverage insurance on all three bills. Medical foundation will not take responsibility for XXXX of the XXXX bills. I have proof that insurance information was sent over for XXXX of the bills. The XXXX bill the Dr. Office did not send over insurance information. My dispute was denied through the credit bureau. How do I make the XXXX XXXX take fault in their mistake? I 've reached out to a few professionals. One told me to pay the {$900.00}. The other one told me small claims. XXXX XXXX wants to charge me {$200.00} to erase the debt. Finally professional told me to gather all information from Dr. Office & XXXX an that I will be not be at fault if insurance was active, and covered the bills. The dispute will remain between the Dr. Office & XXXX.
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX ( XXXX ) XXXX XXXX XXXX XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently.
On XX/XX/XXXX I sent via Certified mail to JPCHASE Research Department/Archives/Proper Clarification Department XXXX XXXX XXXX XXXX Ohio XXXX - Requesting Documents of : Rearranges " said Amounts Owed for *Start up/Re-instatement of My Mortgage in the amount of {$14000.00} of which XXXX Paid, thru XXXX XXXX What JPCHASE " sent '' / " Billings for this Amount- I am Requesting Itemized amounts of {$14000.00} ( Which is on My Loan '' ) **ANY AND ALL DOCUMENTATIONS USED/PERTAINING TO EHLP BILLINGS FOR PAYMENT AND/ALL CORESPONDENCES TO/FROM XXXX XXXX AND HUD- FOR , I AM : DISPUTING THIS SAID AMOUNT '' ..AND TO THIS DATE I, HAVE NOT OBTAINED MY RECORDS ( AND AS STATED ABOVE SENT VIA CERTIFIED MAIL ON XX/XX/XXXX OVER 1 MONTH *AGO*. 

AND, I AM, ALSO-*DISPUTING* THE CHARGE OF {$19000.00} * XXXX ** in XXXX I was under a loan Modification and on trial payments : XX/XX/XXXX Amount- {$800.00} PAYMENT- plus All other Trial payments /Prior *where not applied correctly and/or Never Applied at All / these amounts " sat in ( unapplied balance ), and last " Principal Balance in XX/XX/XXXX was {$160000.00} And on XX/XX/XXXX Principal Balance JUMPED to {$180000.00} JPCHASE ADDED as- " loan maintenance fee '' of $ XXXX I Dispute- These Charges.. I - do Not have ANY Billings or Documentations of " Charges '' and " Credits are Not being Applied Correctly/and/or Not At ALL, and I am Not Receiving INFORMATION REQUESTED AS SUCH.
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CAR CAREONE/ SYNCHRONY BANK XXXX XXXX XXXX XXXX XXXX FL XXXX Dear SYNCHRONY BANK, SSN # XXXX Account Number Ending XXXX Why does your hard inquiry ( XXXX XXXX, XXXX and XXXX hard inquiry on XXXX XXXX XXXX ) appear on my XXXX XXXX credit report. ( XXXX credit monitoring inquiry report attached ) Are n't you aware that you must abide by the permissible purpose provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 
Sincerely, XXXX XXXX XXXX
I recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in  XXXX  are the ones I did not authorized.
Using Citi 's Mobile App, I scheduled a bill payment for my internet provider, which was due on XX/XX/18, to be paid on XX/XX/18. Citi 's Bill Payment service provided a message that stated " Payment should be scheduled at least 2 business days before payment due date. '' On XX/XX/18 I received my monthly internet bill and found that the payment was not received until XX/XX/18, and I was charged a {$10.00} late fee. I called Citi and spoke with a female in FL, to request credit for the late fee. She told me the system said to allow 5-7 days, more than once, and declined the credit. She did not listen to what I said, and treated me like I was not able to read English. She wanted me to log on so she could walk me through submitting a bill payment. I told her that I had just logged into my phone before I called, and it said to allow 2 business days. I disconnected the call. 

On XX/XX/18, I contacted Citi via Chat and requested to speak with someone regarding the incorrect information Citi is providing on the Mobile Appl, requested credit for the late fee and an apology letter to send my internet provider. I don't appreciate having a late payment on my payment history. He declined the credit and he did not forward my complaint to anywhere!!! More than 2 months later, no letter or contact at all has been received. 

XX/XX/18, my husband & I opened new bank accounts with another bank, and we have moved all but about {$600.00} out of our accounts. The remaining balance will be withdrawn, and we want both our checking and savings accounts closed at our request. I am not going to ruin my excellent credit that we have worked so hard to maintain. 
Also, as of today, XX/XX/18, the Mobile App still shows the same message to allow at least 2 business days, so it still has not been corrected. I wonder how may other Citi checking customers have been assessed late fees unnecessarily due to incorrect  messaging. 

About a week or later, I contacted Citi via Chat using my tablet to ask how to stop the recurring transfers from Checking to Savings. Again, the representative did not ask what device I was using, and gave instructions for the full website. I ended the Chat.

Citi wants to push customers to use the Web and Mobile site, but they do not ensure the correct information is being provided. I understand that the Mobile App does not allow all of the functions as the full site, but providing incorrect information and not filing complaints to investigate reported issues is unacceptable.
REFUSAL TO GET ME A PERSON I CAN HEAR ON A HAND HELD PHONE. 

CORPORATE REFUSES TO GET ME SOMEONE I CAN HEAR. 

SUPERVISOR REFUSES TO GET ON A HAND HELD PHONE. 

XX/XX/XXXXXX/XX/XXXX I WAS DISCRIMNATED BY A SUPERVISOR. 

VERY NASTY AND REFUSAL TO ACCOMODATE THE DEAF AND HARD OF HEARING AND TO ACCOMODATE ME ON A HAND HELD PHONE AND NOT OVERSEAS. 

2 SUPERVISORS FOUGHT ME TODAY AND REFUSED TO LET ME HEAR. 

discrimination twice from XXXX I want to report XXXX who was so rude and nasty at XXXX on XX/XX/XXXX They can pick up their handset because XXXX at XXXX just did when I called back. Fire XXXX.
I received a call from Alliant Capital stating I owe money on a payday loan to XXXX. I told them they had the wrong party. A second person got on the phone and asked to verify my address in order to have a service processor sent to my home because I belong in jail. I hung up because I felt like I was being bullied.
I get about XXXX phone calls a day from XXXX XXXX XXXX XXXX a XXXX search indocates it is likely a Wells Fargo Collections attempt. ONe voicemail mentioned {$10000.00} balance and some options to pay it off. I do not bank with Wells Fargo and I do n't anybody who does. All of my bills are on time.
I was applying for an auto loan. Auto loan was approved through XXXX XXXX XXXX XXXX. They let you see your credit report after they run your credit. On my credit report there were, what I believe, to be fraudulent charges. XXXX was a XXXX dollar loan from a jewelry company, XXXX was from my cell phone company, XXXX, and XXXX was another collections amount from XXXX. I do not have the full credit report in front of me and do not pay for a monitoring service - this is just from visual memory, looking at the report on my financial rep 's monitor. Also on the report were student loans, which ARE ACCURATE, so I knew that we were looking at the correct credit report. Now, I am trying to refinance on my existing auto loan ( approved through XXXX the day I found out about potential fraud on my credit ), however, XXXX will not approve due to an insufficient DTI ( dept to income ratio ) percentage. The DTI percentage is only high because of the fraudulent jewelry charge and other collection amounts on the credit report.. 

I went ahead and contacted XXXX customer support, followed by their credit department. The representative, XXXX, did not seem to believe I was telling the truth, and would not let me speak with a credit fraud representative. I was only trying to figure out why there was a XXXX collection amount on my credit report.. To her knowledge, there was no history of delinquent payments, or anything sent to collections under my account, XXXX XXXX , after running her search many times. 
****It should be noted, I received a piece of mail on XX/XX/XXXX from the XXXX about my XXXX account ending in XXXX, and XXXX privacy and account sharing policies. This is n't my account, according to XXXX and her records. Nor did she have any indication that XXXX or the XXXX or the XXXX had sent me any such notification for that matter - especially in an account ( XXXX ), not listed under my name. 

I have not started following up with the jewelry store ( XXXX? ) or my cell phone company, but I have a feeling they are going to give me the same response as the XXXX representative. I never received anything from the Jewelry company about a loan being opened in my name OR it not being paid off.. Neither have I ever received anything from XXXX ( a cell phone company I 've used for many years ) of having missed a particular payment so severly that it would be sent to collections ( XXXX would not allow continuous service, as they do now, with a delinquent cell phone payment ). 

I 'm hoping this is the proper next step to take in resolving this issue, it looked like some of these problems are dated XX/XX/XXXX, and my credit score is hurting very badly as a result. Please, contact me for additional information - I 'll help in any way I can. 
I do not have access to a scanner at this time, but can always find a scan and send in the XXXX letter if necessary.
Hi, I am trying to get CitiMortgage to remove my property tax impounds. I believe law states if Loan To Value is less than 80 % it is not required. I chose to have impounds when I XXXX bought the home XXXX years ago. The value then and now ( even with California XXXX XXXX property tax assessor valuation ) is higher and at {$500000.00} +. My balance is {$370000.00} for an XXXX of approx. 75 %. They keep making up new rules each time I have called them. I 've tried about XXXX times in the last XXXX months and it 's always some different rule. Newest XXXX it is based on the value of the property or original loan balance XXXX {$390000.00}, I put 20 % down ) whichever is less, so it makes it 94 % ..??? I asked where was this disclosed on any of the documentation, she said it is not and an internal rule. I said I did n't agree to this and it was not informed nor in writing within any documentation of this loan. I feel they have taking advantage of consumers and they over estimated my impounds. It almost seems they want to keep this money for other illegal reasons, to keep their company liquid, because they are trying so hard with invalid reasons to keep this money. Based on California Impound information I read about as well as RESPA, I feel this is a possible class action lawsuit issue. Please advise. 
Thank you.
XXXX XXXX XXXX threated to suit me ( XXXX XXXX XXXX XXXX XXXX ) and threated me to take me to court while I was unemployed and on financial hardship on XXXX 2013, and I am in a financial hardship as of now, and asked me to pay {$1800.00}. they did not care and asked me to pay the debt if not they will take me to court.
My husband and I are currently paying our XXXX loan through Merchants Acceptance. We elected to move a monthly payment forward and we were not asked to repeat or confirm our card number. Due to the payment being scheduled for the weekend it would not run until the following Monday, which I confirmed on the day the payment was scheduled, and again nobody verified or asked me to confirm my card number. Our payment never went through and when we called the next day we were told the card number was invalid. Confused, based on the fact that we have the same card for all automatic payments on file and nobody confirmed the card number ( which had been done on every previous call to the switching of this specific payment. The representative, XXXX, read the wrong card number that was entered, and then read the correct card number after. The last 4 digits slightly different. I asked for a manager and was told that not only were there no managers, but also no compliance team or HR department. The representative then continued to cut me off and place me on hold in the middle of my sentences. There were points where he raised his voice, I exclaimed that I was not being aggressive towards him so he does not need to do so towards me. He then stated he was n't yelling, immediately placed me on hold to get to another representative. The man who jumped on the line was XXXX, who did not clarify he was not a manager, like I had asked for. He began in a matter of fact tone telling me that he will listen to the call and check on the NSF fee. If I had not asked him if he was a manager I do not think he would have told me and would have let me believe under false pretenses that that was who I was speaking with. I asked if they had anyone who handles CFPB/FDCPA complaints and the representative became very defensive. He would not let me finish a sentence and would raise his voice higher and higher as I tried to speak. They informed me that a 'manager ' is only present after XXXX XXXX and would not be able to assist me in any way.
I recently looked at my credit report ( XXXX, XXXX and XXXX ) and it indicates that I was 30-59 days late on my XXXX University loans in XX/XX/XXXX / XX/XX/2016. 
I was not 30 days late. 
I would like to let it be known that I received the letter attached ( dated XXXX/XXXX/2016 ) from XXXX XXXX ' that clearly displays a quarterly amount due of {$560.00} ( quarterly payment due date : XXXX/XXXX/16 ). 
I would like to let it also be known that I logged in to XXXX, and made a payment of {$560.00} on XXXX/XXXX/2016 - which is the amount that was due, and which is the full amount that was indicated and reflected as due online at that time. My payment history in the last 12 months shows that I have been paying at least this amount every quarter. 
I have not received any written or verbal notification of change in my quarterly amount {$560.00} or my interest rate. I was not aware that a late fee would be assessed or was assessed since this was not reflected on XXXX on XXXX/XXXX/2016 when I made full payment. 
Just like the university, I am committed to pursuing truth unto its innermost parts. My ideal resolutions would be that XXXX University and Campus Partners immediately remove this mark on my credit report as I have proof that I have been paying the amounts due well before they were 30 days late ; AND to provide me with a clear updated and transparent status of the loan including amounts due and dates due as well as the policy of late fees ( fee amount and when they are assessed during the quarterly cycle ). 
As a result, any report of late payment to the Credit Bureaus is unjustified, abusive and improper.
On XX/XX/18 TransUnion refused to let me dispute a hard inquiry. TransUnion said that inquirys stay on my credit report forever. I told them I had inquirys removed in the past and the TransUnion rep hung up in my face!
I was working with XXXX to repair my credit. I got in writing a log note from Allied stating if I came in and signed they would remove from credit. They forced me to sign a confession of judgment to go on a payment plan to repay the amount owed to Allied. Against my better judgment they told me they would not remove from credit unless I complied. I did so by signing the documents. Now, they are refusing to remove from my credit stating it wo n't be removed until it 's paid in full. This was not the agreement. This is causing my score to be in jeopardy through the credit bureaus and it 's causing me to be declined for a home loan. I have all the documents to back up what I am stating. This has been going on for three months now, with no progress.
I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. Please block, and or delete this items. I wrote letters to have this information verified and I've gotten no response. When I called over the phone, I was told to sent a letter which I had already done but they were unable to locate it. Each rep I spoke with were from another country and we had a disconnect with verbal communication. I mailed each letter to the address listed on the web site so I had no idea of how a rep from a foreign country would be able to locate it anyway. Please respond to this attempt, I have no other options left except to pursue legal action.
Was approved for a loan on XX/XX/XXXX-2017 for XXXX. I have made 6 payments of XXXX which they are automatically taking from my checking account. I called the Pa dept of banking and securities because I asked inbox loan for a payoff amount and its over XXXX. Ive already paid back the principal of the loan and over Pennsylvanias max interest rate of 6 %. The dept of banking and securities suggested I contact your dept and file a complaint. My loan # is XXXX.
In 2005 I was approached by a man by the name of XXXX XXXX, told me he was working with a team of people that wanted to help lower income families create a stable environment .for family. He said they could help me get a home. Shortly after that I met with XXXX 's business partner XXXX XXXX. They assured me that I was in good hands and they would take great care of me. At that time I was XXXX years of age just moving from XXXX to XXXX and working at the XXXX XXXX XXXX XXXX. I was very naive and needed someone I could trust, I thought, " this is what I 've been asking XXXX for! '' The two men begin taking me to see homes, they showed me three homes but were very persistent on the house on XXXX XXXX. I decided to get that one. We closed on the house and I received my keys ... days later I begin to see that the work that was completed on the house was cosmetic. Plumbing went bad and had to be replace throughout the entire home.Floors were rotted out and had to be replaced and the electric had knob and tube wiring and needed to be replaced throughout. I also needed a brand new roof and the house had no insulation. I contacted XXXX and XXXX, they promised to return and make things right but never made good on there promise. When all that occurred it made me curious so I wanted to know more about the guys that I should not have trusted. I found out that the house was actually for sale for {$23000.00} they sold the house to me for XXXX. I was beside myself and very angry. the home was foreclosed on and went to the tax sale were I was able to purchase it for the taxes. I own the house out right but I still have that loan on my credit, which has basically ruined numerous opportunities for me to better myself and move on in life. This loan has with out question hindered my life! XXXX # : XXXX
I currently have many student loans, all through Great Lakes loan ( GLL ) services. I have been overpaying my loans to more quickly pay them off. According to great lakes loan ; " The regular monthly payment goes first to accrued interest, and then is prorated over the loans within the account. If your payment is larger than the regular monthly payment, the overpayment is applied to the principal on the loan with the higher interest rate, assuming all outstanding accrued interest is paid. " When I first setup my account I was asked to setup a monthly auto-pay for a 0.25 % interest deduction. I of course did so. This auto-pay is assumes a default " 10-year '' repayment plan. What I have been doing is making extra payments 1-2 times a month in excess of {$1000.00}. Using their phone app everything looked like it was going well. I then logged onto their website and saw a discrepancy. GLL has been taking my extra payments and applying them equally across all of my loans, not to the ones with the highest interest, like initially thought. After contacting GLL they informed me that the statement above only holds true if I overpay via the " monthly payment '' not the " one time payment ''. This is purely a ploy to not pay off my highest interest loans and keep me on as long as possible. Their statement says nothing about a " one time payment '' exception. When i called them out on it they replied with ; " We are happy to reapply any additional payments as you direct, assuming all accrued interest has been paid, although it is necessary for you to submit a request via email or phone after each payment is made in order for us to do so. Thus, it is generally to your benefit for you to make a single, larger payment at the time you make your regular monthly payment, rather than to make a separate, extra payment after making your regular payment. '' How does this make any sense? why would they be treated any differently? I have to contact them after each " one time payment '' to tell then to put it towards my highest interest loans ...? I have been repaying my loans now for 2 years and could have avoided hundreds of dollars of interest if they had done what they said they did with overpayments. which is what a " one time payment '' is, regardless of whether it is part of the standard monthly payment or not.
Dear Sir or Madam : I am writting to you because on XXXX XXXX, 2015, I did received a letter from Portafolio Recovery Associates LLC., Sender is : XXXX XXXX XXXX XXXX XXXX , XXXX, XXXXIn this letter he or they is/are claiming that I have a debt and they do not disclose the name of the person or company making the claim. 
I certainly can submit proof that I never have incur in any debt, nor done or signed for any kind of loans or credit cards or buy something or used a service to pay later, since all my life I have used cash to pay for any product or service I wanted. 
I am a retired senior and I do not acknowledge any kind of debt. 
Please, I will greatly appreciate it if you please get in contact with me via letter or phone and let me know of how to respond to this kind of scam, because this is a fraudulent debt collector. This person or company is requesting that I contact them, but I have not done so, since I am afraid what tactics he or they may use in order to implicate me in their nasty claims. 
For your attention and prompt replay to this matter, many thanks in advance. 

Sincerely, XXXX XXXX.
Received a call from National Credit Adjusters from a " spoof '' phone number after XXXX. Receive numerous calls a day from spoofed numbers attempting to collect an unknown debt.
Ive had a Chase credit card since 2014 and made payments on time for 4 years. I set up automatic payments by phone, but they didnt go through and I was delinquent 2 months so they closed my account without my knowledge. I got an email to make a payment before XX/XX/XXXX so I made a big payment by phone for {$560.00} on XX/XX/XXXX and was confirmed by a rep. I also set up automatic payments for the rest of the year to pay off the balance. Was told that my account was now up to date. On my credit report its showing account closed and my score dropped XXXX points. I have been trying to resolve this for a month and keep getting passed around on their automated system. A chase branch rep, actual human told me to call the credit bureau Dept and I couldnt not get a hold of that Dept. I got a job that pays more and will be able to pay this credit off, but need this negative strike removed and my account back open to show my history with Chase.