WillisBack/dataset-financial-user-claim huggingface dataset:
Hello-A doctor 's bill was sent to the wrong address, so I received a debt collection notice via the telephone saying I owed payment. No big deal, I contacted my insurance company and doctor and they confirmed it was legitimate. I told the debt collection agency that I was in the process of contacting those companies and I planned to pay when that was confirmed. I received the XXXX notice about 10 days ago. 

I received a call from the collection agency today and was told they were going to report the bill to the credit agencies. I said okay, I 've confirmed it 's real and I 'll pay it online right now, since I do n't feel comfortable giving my credit card information over the phone. They said that if I pay online, it wo n't post for three days and by that time I will have my debt reported. I said okay fine - I 'll take that chance and I 'll have a confirmation email, which I can use to clear that up later. They said I would n't receive a confirmation email for the payment either, so I had to pay over the phone. 

This seemed odd, so I asked to speak to a supervisor and they said the same thing. I hung up and paid my bill online. Unsurprisingly, I received a confirmation email immediately. I called back 15 minutes after making my payment and I was told their system shows that my balance was paid in full. So obviously, all of those previous statements about online posting and confirmation emails were bold-faced lies designed to be pressure tactics. It was pretty disgusting.
I suddenly was notified by fifth third bank about my account being in the negative. there was no reason for the account be in the negative. I then began to question the bank on why my account was in a negative balance, and the bank proceeded to inform me that a a check for XXXX was deposited and withdrawn, then a XXXX dollar check was deposited and withdrawn, the XXXX dollar check was deposited and withdrawn then a XXXX dollar check was deposited and withdrawn, the a XXXX dollar check was deposited and withdrawn, then a XXXX check was deposited and withdrawn and finally XXXX dollar check was deposited and withdrawn from this account. 
I continued to question the customer service rep concerning these transactions and notified them that i did not authorize any of these transactions at any time. They began to inform me of an XXXX XXXX who was in newyork and said that the payment was taken from the account for medical expenses. Which I have never been to any doctor in New York for any medical expenses being taken from my account. Then another check and withdrawal was supposedly for wages earned by myself from a grocery store that I was suppose to have worked. Which I have never heard or worked at any grocery store when I was able to work, because I have XXXX which at this time of my life i am confined to a XXXX XXXX, and have been for years. So there is no way that I could have traveled to connecticut to work at any grocery store. 
I have attempted to work with the bank, but the bank is refusing to give me any information on my account. So i can see no other option but to report Fifth Third Bank to the consumer finance because of their actions and practice at this bank.
I am losing my home. My home became default for less than {$50000.00} dollars. I was trying to keep my property by way of loan modification or reverse mortgage. However, the current lender has not assisted me. So I have entered into contract to sell my home. All I needed was a postponement of the auction sale scheduled for XX/XX/XXXX until XX/XX/XXXX the date of my closing. The lender has declined. 
Please note that me " as is Value '' of my property is at least twice the debt that is owed on the mortgage. I don't want to lose my equity in the property at the auction. I received a payoff only good to XX/XX/XXXX. I requested another payoff but have not received it from lender. I never received a face to face with my lender.
For more than a year, Capital One Credit XXXX. XXXX XXXX XXXX VA XXXX has been sending me someone elses credit card info via my email address 'XXXX '. I have received emails from the time they applied, was approved, was late, made payments, etc, all to MY email account. The person 's account # ends in XXXX. I do not have a capital one credit card account. Furthermore, I am not sure how capital one even got this particular email address. I have ran a check of my credit and there was no indication that my credit was hacked. I have not capital one credit card account and nothing supiscious is on my credit report. I have been calling, emailing, and writing capital one for nearly a year concerning this issue. I have also filed a complaint with BBB but that turned out to be a waste of time. They, capital one, should thank me that I am not a criminal with the the info they have sent to my email address. I would like for capital one to cease sending me this person 's private info. This has to be a violation of privacy issue among other things. I am tired of the run around between the BBB and capital one. This is not my account, I have no credit card account with capital one and they need to cease from sending me this persons account data. The sent me another email today, XXXX XXXX 2017.
Several years ago I fell behind in XXXX mortgages : XXXX resulted in foreclosure and the other ended in a " sort of refinance. '' Bank of America had so many hoops to jump through, documents to submit, and questions to answer that I finally had my " new '' mortgage modification payment at a now 8.25 % rate ( which was higher than the original ). I wrote back saying that increasing my rate would increase my payment, and as a consumer I was looking for payment relief in order to get back to financial health. I never heard from them as a result I am paying a mortgage payment {$200.00} higher than previously with a balloon payment in addition. I have made payments on time and am paying more than the payment amount. I just want a reasonable rate with a lower payment. I am XXXX and may not be as solvent in the future.
I am writing this complaint due to Equifax not responding to request to have a inaccurate account removed due to it being fraudulently added to my account. I have disputed the account several times and I get the same generated response days later. I initially contacted Equifax on XX/XX/XXXX by mail, in reference to the account from XXXX XXXX XXXX XXXX, which is in the amount of {$380.00}. Following the generated response from Equifax, I contacted them again by mail on XX/XX/XXXX. Receiving yet another generated response, I contacted Equifax by mail again on XX/XX/XXXX. This account is fraudulent and inaccurate, and is being published and distributed to 3rd parties and is damaging my reputation and credit worthiness.
On the XX/XX/2018, Someone used my card information and make a fake credit card. I recevied a text message on my phone that someone had been used my credit card to purchase something at XXXX XXXX with amount of {$3900.00}. I declined already but XXXX XXXX  still took my money out. I reported to the XXXX XXXX to do the investigate but they won't give back my money.

XXXX XXXX XXXX   Account number : XXXX XXXX XXXX XXXX Amount charges : {$3900.00} Last 4 digit SSN : XXXX
I XXXX XXXX paid off a vehicle lease several years ago. However, the loan company XXXX still has me reported with a balance of {$350.00}. That is not possible if this same company shows the lease status as a full termination. I have protested this reporting with Equifax and the matter was not sufficiently completed with a proper reinvestigation. Accordingly, I believe the matter should get resolved, whereas the balance should show as XXXX. This correction is necessary to fulfill the obligation of XXXX with Equifax under their subscriber agreement with the credit reporting agencies in general. This credit item needs to be corrected immediately.
Several years ago, my information was stolen and a loan was placed in my name through Lending Club. However, Lending Club ( LC ) is still on my XXXX credit line. In addition, because of this identity theft that took place, I can no longer be accepted for a personal loan via LC. I am writing to say that : 1. LC needs to erase the false information from my XXXX  credit bureau history. 

2. I strongly believe that I did not get accepted for a personal loan this time around because of the past stolen identity that took over my personal & sensitive information. However, I appeal this decision. Instead, LC should re-consider the loan denial and give me an actual chance of paying them back. This is NOT fair to customers at all and I will be sure to spread the word to prospective customers about the injustice I have faced through Lending Cub.
This letter is to request the CRA to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, 328 F.3d 132, 139 ( 4th Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( 2d ed. XXXX ).
On XX/XX/2019, I called the Barkclay Bank MasterCard to cancel the card prior to having to pay another annual fee. The agent convinced me to not cancel the card but to convert it to a no-fee card. The agent proceeded to tell me that I had unredeemed miles on the account and asked if I wanted to redeem them. I said yes and that I wanted to redeem them for a statement credit. The agent repeated what I said and then said he would redeem the approximately XXXX miles for an approximately {$180.00} credit. I said, yes. Meanwhile, my husband who was in the room with me said to me that wasnt right. He then took the phone and explained to the agent that we wanted a statement credit for travel expenses which is redeemed at a rate of {$1.00} for each XXXX miles versus the general statement credit which costs XXXX miles for each {$1.00} of credit. The agent said sorry but he had already pushed the button processing the credit. We then asked to talk to the supervisor who also said sorry, she couldnt change it. This was all in the same phone conversation! 

This arbitrary action cost me approximately {$180.00}.
I had to credit cards with Continental Finance : A Matrix MasterCard and a XXXX Mastercard. Last XXXX, I enrolled in a debt management plan with XXXX XXXX XXXX and both accounts were enrolled in a hardship program with the agreement to pay XXXX per card per month. Payments have been made consistently as agreed upon by the debt management plan proposal. However, Continental Finance is currently showing both of my accounts as " Charged of as Bad Debt, Profit and Loss Writeoff ''. In addition, they showed me as 30/60/90 days past due for the last several months. Both I and XXXX XXXX XXXX have been attempting to get a satisfactory resolution to this matter for over a month now. Last week, XXXX XXXX XXXX had been told that I had been " exited '' from the hardship program and that they would need to submit new proposals. However, today I received a letter from Continental Finance indicating that " Our records indicate that your account is currently enrolled into the hardship program. '' In short, despite being told I had been exited the program and despite the fact that timely payments have been made for the last 5-6 months, Continental Finance has incorrectly reported the status of my XXXX accounts which has caused a significant drop in my XXXX score.
I received a collection notice for {$1500.00} from Simon 's agency Inc. dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I notified them that we are disputing the validity of this debt as : 1.We were billed for services not performed. 
2.We did not authorize some of the services that were performed. 
3.Some of these charges are for fraudulent billing. Simon 's agency has been notified about this. 
4. My insurance and I have already paid them about {$1600.00} Instead of providing us the requested info Simon 's Agency reported this amount to credit bureaus XXXX as " unpaid '' and " collection '' in an attempt to damage my credit report. When I wrote back to them they informed me that they have reported the account as disputed. However, none of the credit reporting agencies is reporting the account as disputed. 

In spite of my repeated requests Simon 's Agency has not properly investigated this matter and has not provided us the information that we requested. I last wrote to them on XXXX/XXXX/XXXX. 

As a result of misreporting of this information to credit reporting agencies My credit score has dropped by about XXXX points.
I received communication from a credit bureau that my account was closed. i had not received any notification from the credit card company. I called & was told it was closed for inactivity & that a letter had been mailed XX/XX/2019. i have not received any correspondence as of today XX/XX/19. I verified that my contact information was correct. The bank that has the credit account is XXXX XXXX, and I have had problems with them once before with a refund they owed me last fall on a different account ( which they finally sent, twice ... .the 2nd refund was returned ). 
What is the course of action when there is no notice?
XXXX XXXX contacted me about a debt they stayed I owed. I informed them I needed to see where I owed this money in writing. They instead sent a payment arrangement to my email. They threatened me by stating my account was going into proceedings back in XX/XX/XXXX and I only had less than a week to make this arrangement. Here it is XX/XX/XXXX and they are calling using the same tactics. They called my place of business and I sent an email to them on XX/XX/XXXX staying Im not allowed to receive correspondence at my work. On XX/XX/XXXX I received a call from XXXX XXXX stating they sent an employee verification form to the school where Im housed and telling me I had a meltdown about it. I am not employed by the school but housed in their facilities. So at this point, they are reaching out to an entity that is not my place of employment trying to get information about me. I have copies of emails and voicemails ( that are also transcribed ) of our communications if needed.
On yesterday, XX/XX/XXXX @ XXXX and " again '' @ XXXX I contacted Bank of America ( Automated System ) to get my daily balance ( as I do everyday ). According to Bank of America 's ( BOA ) automated  system there were 5 transactions that reported " CLEARED '' to my checking account on XX/XX/XXXX in the following order : 1 ) $ XXXX-CLEARED ; 2 ) $ XXXX-CLEARED ; 3 ) $ XXXX-CLEARED ; 4 ) $ XXXX-CLEARED ; AND 5 ) Check # XXXX in the amount of $ XXXX-CLEARED leaving my daily balance @ {$31.00}. Yesterday, I made 2 deposits totaling : $ {$36.00}. However today,XX/XX/XXXX @ XXXX, the BOA automated system reports the " exact same '' following transactions as " PENDINING PAYMENT '' with {$35.00} charged to each 1 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 2 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; 3 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed ; .AND 4 ) $ XXXX-PENDING PAYMENT w/ {$35.00} fee assessed. I am DISPUTING, the 4 separate {$35.00}  fee 's assessed totaling : {$140.00}. I am also DISPUTING, the two other {$35.00} fee 's assessed for  Check # XXXX in the amount of {$62.00} and Check # XXXX in the amount of {$55.00}. According to the BOA female representative ( today, XX/XX/XXXX prior to my transfer to XXXX ), CUSTOMERS have until XXXX the next day to submit payment before fee 's are assessed. However, fee 's are already assessed to my account for the two checks that were processed overnight last night Check # XXXX ; and # XXXX ( prior to XXXX ). When I spoke with XXXX today, XX/XX/XXXX he credited my account with 2 of the assessed fee 's of {$35.00}. I am still, a VERY DISSATISFIED BOA CONSUMER. BOA, have reported transactions ( via the BOA automated system ) in error which caused my account to be in a " NEGATIVE '' status. The BOA automated system reported transactions as " CLEARED '' when they had n't " CLEARED '' causing complications with my account. I am requesting, that BOA correct THEIR error 's by crediting all of the improper fee 's assessed to my account for their improper reporting 's on yesterday, XX/XX/XXXX as " CLEARED '' items. I check my account ( via the automated system because of previous ID theft via the internet on-line banking ). This problem is a daily occurrence where transactions are reported as " CLEARED '' when they really are NOT. Sincerely, XXXX XXXX @ XXXX.
Today, I attempt to create a temporary unfreeze and instead the automated service created a freeze that I now can not lift without a newly issued and arriving by mail pin or submitting documentation by mail. So I can not apply for the loan I need now.
I am a Non-XXXX mortgage borrower ( my loan was not under XXXX XXXX or XXXX XXXX ) and I fall under President Obama 's ' plan that " Helps Responsible Homeowners '' keep their homes. I live in XXXX of the most hardest affected financial cities in America affected by the great recession. All homeowners in my city and a large part of the state are under water, owing more on their homes than what it is worth. Before the onset of the recession however, I was given XXXX mortgages in XXXX when I purchased my XXXX home ; that mortgage was provided through XXXX XXXX. The primary loan was an adjustable rate ( ARM ) ; the XXXX was not, but will mature in five years ( XX/XX/XXXX ). 2 1/2 - 3 years later, my loan was sold to XXXX XXXX Bank and soon after that, maybe a year or XXXX later XXXX XXXX XXXX sold my primary loan to Ocwen, who is presently holding my loan. As the XXXX years went by, my payments increased. Then, the housing market dropped. While interest rates were low, I attempted to pay as much on my XXXX mortgage as possible. Then my XXXX salary was reduced due to the economy ; I could no longer place additional funds on my principal. So I called called Ocwen in XXXX to see if I could refinance. They stated that I could not, but offered me the chance to modify. I requested for them to send the information, but I did not follow through with the paper work. I did not follow through as a result that the interest rates dropped even lower, so that provided me the opportunity to try to pay off more dept hopefully to off-set a possibly increase again. During that year, I made calls, to Ocwen and Loan XXXX, a financial affiliate associated with Ocwen and they could not help me refinance ; I went to every bank and loan organization I could think of and they told me I need to go back to Ocwen and that Ocwen should be able to help me. In XXXX XXXX, Ocwen mailed a statement stating my ( primary loan ) payment would increase from $ 790.-XXXX even though my interest rate has and remains at 2.62500 %. I figured then, this was another opportunity to refinance. I called Ocwen about refinancing, and that at that time, I did not qualify for refinancing, but they could send out modification packaging. This time I completed the modification package and returned it in XXXX, XXXX. On XXXX XXXX, XXXX I received a statement form from Ocwen stating that they do not have anything I qualify for. However, they were positive that I qualify for a Short sale, and that I should immediately respond to get the Short sale process active. I did not return the papers. I could not understand. I have never missed a payment ; I have always been on time regarding my payment despite rising costs in consumer consumption, not to mention, as a teacher, my pay will not ever increase again ... ; my credit score is very good, yet I am the only citizen, it seems, in the US, who can not get refinanced or locked into a fixed rate. All I want is a preventive measure put in place so that I can keep my home and afford it. 
I am a responsible home owner.
Hello I have 6 hard inquirys. that are on my transunion report. I have disputed these inquirys with the companys and with Transunion and they refuse to remove them. these are not attached to any accounts. they are making it hard for me to get approved for credit. these are the inquirys. 


XXXX XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX/ XX/XX/XXXX XXXX XXXX  / XX/XX/XXXX XXXX XXXX/ XX/XX/XXXX XXXX XX/XX/XXXX/XX/XX/XXXX
This is my THIRD complaint to CFPB after the merchant agreed to withdraw the charges, it continues to pursue collection through a collection agency. Please refer to Case numbers XXXX and XXXX. None of the charges represent charges for products or service. All of the charges by FleetCor are for account servicing or late fees on unpaid account servicing when the card was not used. As noted in my prior complaint ( which included a credit account statement and closing letter ), I just want my account closed and do not ever want to hear from these miscreants again. They continue to increase the bill on my account although there were never services or products purchased with their credit cards. The credit cards sat in a desk. I am refusing to pay fees and charges for account servicing or late fees. I want their collection letters to stop. I owe them nothing. 

As noted in
I have a Chase credit card. My son was an authorized user. On XXXX XXXX I phoned Chase and told the agent I do not want my son to be able to use the card any more. She removed him from the account and told me he would no longer be able to use the card. I asked the agent if he had a different card number than my card, and she said no, that his card and mine were both the same card number. She assured me that he would no longer be able to use the card, even tho we had the same card number. A few days later, he made a {$380.00} charge on the card. I called Chase, and they told me although he was no longer an authorized card holder, his card was still working and that I would have to pay or he could be charged with fraud. I explained it was not fraud, because I had not been able to call him to let him know he was no longer and authorized used, because he had no phone. I protested that it was a Chase agent error, the supervisor said they would review the phone call from XXXX XXXX.. On that day, they changed the card number so that my son can no longer use the card he had. This is what the first agent should have done, they said. 
On XXXX XXXX Chase called me - they had reviewed the phone call from XXXX XXXX, and admitted that I was wrongly told my son would not be able to use his card after he had been removed as an authorized user, and that I should have been told that the card number should have been changed. They would use this opportunity to coach and reprimand the agent, but I was still responsible for the charge. 

I do not feel I should have to pay the {$380.00} charge. The Chase agent made a mistake. The agent should have told me to cancel the card, but she did not and as a result, my son was able to keep using it.They say I have to pay. They want to call it a fraud, but it is not a fraud - my son did not know he had been removed as an authorized user. He had no phone at the time, and he lives in XXXX, while I am in XXXX XXXX, so I had no way of contacting him to let him know he had been removed as an authorized user. 

After many phone calls, they gave me an address and a fax number for their executive office. I will write a letter to them. Please advise what is my legal right in this matter. Who is liable for this {$380.00} charge??? 
Thanks