WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX from Harris and Harris located at XXXX XXXX XXXX in XXXX called my daughters phone number about 3 weeks ago. My daughter has developed medical issue dealing with her XXXX in the last year. Last summer she went to XXXX XXXX for emergency care. They never asked for her information but sent a bill. I am the insurance holder so I submitted my insurance information. Earlier this year another representative from Harris and Harris called me. I explained that the {$950.00} bill was inaccurate as XXXX never submitted it to my insurance and never sent payment reminders. I also said this should not be a case of collections. This representative apparently did submit the insurance information BUT we still never received a bill. Three weeks ago XXXX called my daughter who is not the insurance holder and told her if she did n't give her money over the phone this would go against her credit. My daughter asked her to send us a bill after explaining the situation. XXXX repeatedly said that she had to pay money on the spot or this would go against HER record. I am tired of medical companies billing practices. This is not the first bill that has fallen into the cracks and has appeared a year later. We simply asked XXXX to send us a bill through XXXX as this is NOT a collection issue and she refused. I did receive a bill BUT through the collection agency. I have paid many other medical bills for my daughter. There is no reason why I would n't pay his one. Medical companies should be required to bill consumers accurately within 30 days of a service and follow up on a monthly basis before sending bills to collections. Since this situation is a billing issue with XXXX it should not eve be handled through any collections agency.
SLS mortgage provider is servicing two of my loans. 
On one of the loans they 've lost a payment for the month of XXXX 2017. I  did send a payment and have a cached check image on file with my bank. 
SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. 

I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. 
Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. 

I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. 

I would like the poor service provided by SLS to be reflected on their public rating and record. 

I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.
IRS contacted me about breech of 2015 tax document involving my SSN and said I could get a year of credit monitoring for this problem caused by their agency. I contacted Equifax for myself and have had no luck getting them to help. They say I have not proven that I am who I say. I submitted documents with my driver 's license and last year XXXX form along with a cover letter. After 7 phone calls, I can not get past the " protocol '' of the phone answering people who are completely uninterested in the incident # or promo codes that I have been given by the IRS to deal with this matter. I find their company cumbersome and disorganized in their phone interactions and I had similar problems trying to do this online. I want an informed person who speaks decent English to contact me so I know that my sensitive material that I have given to their " phone answerers '' is not making an even bigger problem and that I have the help the IRS says they are to give. Thank you
I was threatened to be sued. I was mistreated and harassed with several phone calls. Theyve been stalking me on social media sites. And they are attempting to collect a debt in a state other than where I signed for the original loan.
please find attached the letter from the creditor for which they have approved of this account being inaccurate reporting. please help me to have XXXX and XXXX to remove this inaccuracy from the credit reports
XXXX XXXX keeps calling my number trying to locate someone that owes them money I 've already explained to them they 're calling the wrong number but they keep calling
I disputed the account with the collection agency Medical Data Systems and they sent me back copies of personal medical information sent from the hospital.
On the date of XX/XX/2018 I sent a certified letter requesting Equifax to investigate the accounts that were appearing on my credit report and to send me proof and original signed contract with my signature on it using Section 609 ( a ) ( 1 ) ( A ) which they are required by federal law to show proof that the debt is valid and they have not been able to prove this information. I have also sent a second letter on XX/XX/2018 requesting a second time for Equifax to remove student loans that are appearing on my credit report and I have disputed them as fraud and have submitted a FTC fraud form along with 2 police reports stating that these accounts are fraud and that they should be removed due to fraud and that the company XXXX can not produce an original signed document with my signature. I am requesting assistance with this issue I have also sent them a copy of my XXXX report that shows that theses accounts have been deleted due to the fact that these companies did not verify with XXXX that these accounts were valid, however Equifax has continued to state that these accounts have been verified but has not submitted proof. I am prepared to move forward with legal action with guidance from your office if that is an option for me. I am attaching documents that support my claim. Two notarized disputes letters, Copy of deleted accounts that I have disputed with XXXX, Certified mail receipts to Equifax, Two policed reports for identity theft, and the FTC Identity theft report. 

I thank you in advance for your effort and attention XXXX XXXX
Please see complaint : XXXXThey responded today with : Dear XXXX : Thank you for contacting First National Bank. 
In order to fully assist you with your request, please contact us at XXXX. 
Sincerely, XXXX XXXX. 
Customer Care Senior Specialist. 

The only problem is ... ... .There is no XXXX XXXX at the XXXX.?? 

I spent 27 minutes on the phone with the company, today ( XXXX/XXXX/2015 ). Asking for XXXX XXXX ... ... she docent exist according to XXXX Customer Service people. 

No XXXX XXXX and the President of the Company goes by XXXX Different names??? 

Whats up with 1 st National Bank Omaha? ABA routing number : XXXX ... ..at least according to their website. But, who knows? 

Do they pay their FDIC premiums on time???????? 

Thank YouXXXX XXXX XXXX XXXX
I made a payment arrangement with CBHV and sent a written request to remove all verbiage pertaining to dispute and to report accurately to all XXXX credit agencies to reflect the 6 months of on time payments as agreed. To this day they have not responded adequately.
Both my husband and I are disputing an auto loan with XXXX XXXX. We paid the loan and on the documentation, it shows the loan paid on the XXXX report dated XXXX XXXX, XXXX. I disputed this XXXX credit that showed up with it showing a repossession. XXXX XXXX andXXXX are the same company. Furthermore, XXXX backdated a deletion of XXXX XXXX on XXXX XXXX, XXXX! They deleted the correct account and kept the incorrect one. We are obviously getting caught up in a someone else 's bad car loan. 

We have tried to deal with all three bureaus and no one is deleting the incorrect information.You can see that the loan origination date is exactly the same. 

Please help
My vehicle has been determined as a total loss by my insurance company. A payment has been  sent to Santander Consumer USA to apply to the auto loan balance. But, there is still a balance owed. I called Santander to inquire if I may hav e my loan payments reamortized based on the remaining lower balance. The representative I spoke with said he is unable to assist me and there is no one for me to speak with and that I must wait to receive a letter or a phone call regarding the remaining balance and payments due on my loan.     I would like to continue making payments on the loan until the balance is paid in full. But, I can not afford the current monthly payment. I would like a modification of my auto loan.
XXXX has been non-compliant with removing the unverified account XXXX Opened Date XX/XX/2012 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that XXXX was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Was a victim of identity fraud I have multiple addresses aliases and fraudulent information on my three credit bureaus these addresses or validated addresses Thur Accounts open by fraudulent actors.
My private XXXX loan was sold for pennies on the dollar to a predatory collection agency named Capital Management Services operating out of XXXX, NY. My mom co-signed this loan, which has a balance of XXXX back in XXXX or XXXX. 

My mom received a call on XXXX XXXX XXXX, XXXX asking for personal information and money. She called me and I called this predatory agency back on the same day around XXXX XXXX. 

The woman I spoke with was very intimidating ( I 'm sure they are trained in bullying consumers XXXX. I was told I had XXXX options to pay this loan or they would go after my XXXX year old mother and did I want that to happen? By the way, I was never told what the XXXX payment option was. 

To make matters worse, I am having financial difficulties, which I explained to the bully on the phone. I said I could make a {$25.00} payment on XXXX XXXX to prove I was interested in settling this debt. The remaining payments had to be approved by a manager and I was put on hold. I doubt there was any manager approving anything because I never spoke to the supposed manager. REMEMBER-they bought this loan for PENNIES on the dollar, they are a FOR PROFIT collection agency. The girl came back on and said her 'manager ' approved XXXX payments of {$400.00} to settle the debt. I ca n't afford that. I said I could n't afford that much. Again, my MOTHER was brought into the conversation and how she could pay half and WE could call her and explain that this needed to be paid. Scare tactics and bullying AGAIN. So, I agreed to the arrangement and I ca n't afford it. 
I thought about this arrangement for days and called back on XXXX XXXX XXXX, XXXX to speak with someone who may understand my situation. I thought I could get through to someone who could work with me. I was wrong. 
The XXXX man I spoke with listened and was cordial. He had to transfer me to someone else. I got transferred to another male. I explained my situation and he listened. He then proceeded to bring up my mother. How she should help because she co-signed and how I needed to get money from her. He asked what I made a year and I said about XXXX and after taxes and insurance it was around $ XXXX every XXXX weeks, not a lot for XXXX VA area. He did n't believe me. I offered to send pay stubs. He said it did n't matter. Again, they bought this loan for pennies on the dollar. He offered a XXXX arrangement of almost {$300.00} a month for XXXX months, no settlement if I lower payments. He bullied me again. 
I want you to be aware of their predatory practices and that they use scare tactics to make a profit off of your debt. I would be happy to pay monthly if the payments are reasonable.
I have several direct student loans and several parent plus student loans. After speaking with Nelnet ( the service provider ) on more than one occasion, I followed their guidance to consolidate my loans. ( XX/XX/2017 ). I now find out that by including one parent loan in the consolidation, I am only able to take advantage of the ICR repayment plan. This repayment plan caps at 20 % of my discretionary income. The other plans ( which I can not take advantage of because this one parent loan was included in the consolidation ), would carat 10 %. I have tried to deal with Nelnet on this issue. Their bad advice is the reason I can not have the lower payment. Nelnet customer service said there is no way to fix this problem.
Well Fargo dealer services, they keep harassing me. I will get 4 to 5 calls a day from them. After they disconnected with my line they call my brother 's number the same amount of time, that between 8 to 10 attempt in one day. Not only are they calling the loan holders but they are harassing other member of my family that have nothing to do with this loan. 

When we do speak with them, the supervisor XXXX, threatens me about coming and getting my car, tells me that my hardship is inexcusable and will not work with me at this time. I have explained my hardship and tried to work out an arrangement with them. 

I am still being harassed by Wells Fargo dealer services even after we have explained that I am going to be filing bankruptcy
Hello My Paypal Account was suspended in XXXX 2016, and my money was on hold for 180 days. 
After 180 days my money got cleared on XXXX XXXX 2016 the amount was of XXXX . Paypal does'nt allow to withdraw money in XXXX, it only allows to add a XXXX account to XXXX Paypal account . How could have someone got a XXXX account living in XXXX? if they ca n't give their services completely to XXXX they should stop Paypal services there. Now as my money got cleared i need to take it as i have to pay my son 's fee, i waited for 180 days to got it clear, but as my Paypal account is still limited i can not transfer it to any other Paypal, when I contacted paypal through call about this issue their customer representative told me to mail them requesting money transfer to a Paypal Id. So 14 days back on Monday XXXX XXXX 2016 i mailed them giving them the id to which the money should be transferred first i got a reply that this Id does n't exist, i again send the id and on Wednesday i got an email that your inquiry has been escalated and you will be contacted soon, till today nobody has contacted me, i also mailed them first they did n't reply than their complaint department said to do n't use abusive language and rephrase the email so i again contacted them, but still till today XXXX I have n't received a reply from their side, neither do i have got my money in the given Paypal id i.e : XXXXXXXXXXXX ( kindly note that all letters are small ) I 'm in too much pain since i do n't have money When i call them they say to contact them by mail which is also wasting my credit! and when i contact them by mail decently they do n't reply
Good evening, I recently started trading crypto currency through Coinbase. I bought and sold a few shares and recently decided to cash out my account due to Coinbase issues Id heard about. 

They put these transactions through as debits vs. credits, over drafting the account tied to my debit card. Amounts of {$450.00} on XX/XX/XXXX and {$430.00} on XX/XX/XXXX. 

Ive tried emailing/calling/XXXX and anything else I can think of. This seems to be a very common problem if you dig deeper into this company.
I opened a CitiGold account on XXXX/XXXX/XXXX under promotion XXXX, which offered XXXX AAdvantage miles after completing {$1000.00} in debit card purchases and 2 bill pays in consecutive months. I completed the terms of this promotional offer on XXXX/XXXX/XXXX. I secure messaged Citi to confirm I had met the terms of this offer, and received a response on XXXX/XXXX/XXXX from XXXX XXXX XXXX stating that I did indeed complete the requirements for the offer, and that I will receive my AAdvantage miles no later than XXXX/XXXX/XXXX. I did not receive my miles by XXXX/XXXX/XXXX, so I contacted Citi again via secure message. XXXX XXXX responded and apologized that the miles did not post yet, and offered to open an inquiry. Every month I have waited for the miles to post, messaged citi, and received another response stating that they will open yet another inquiry. The results of these inquiries were supposed to be emailed to me, but that has not been done. And frankly I do not care what the results are for the delay. I want the miles that I have been promised. I have been paying a $ XXXX monthly fee for this account, which is completely unfair as they have not fulfilled their end of the agreement. The marketing materials related to the promotion were entirely false and misleading, and it is absolutely unacceptable that I should have to wait 6 months from the date that I fulfilled the terms of the promotion to receive the miles that I am entitled to.
I noticed that theirs a debt collection in my credit that is not mine! I tried sending dispute letters twice!! I tried calling them and talking to them, and they are still making me pay something I never even knew it existed!!! The amount is XXXX dollars from XXXX XXXX  XXXX, and apperantly it was opened XX/XX/2017, I tried talking to them, sending disputes and they wont help me, they only want me to pay something is not mine!!!!
In XXXX of 2015 I bought receivers from XXXX using capital-one Credit card for {$1600.00}. The purchase was made through paypal, and the merchant and I contacted through XXXX messaging. The merchant however never sent in my full order and the order that did come in was n't as promised/advertised ( the merchandise was not only fake, but did not work ). I talked to the merchant, and they denied to refund my money. So I took it up with capital one bank, thinking they would listen to their customers. I have sent in pictures, proof of purchase, a statement explaining the situation, and overall it has been a very lengthy process, and I still have not received my refund over the time frame of almost 5 months. I find it ridiculous that I am being penalized by my credit card company for a faulty and fake transaction. I sent in everything that they requested me to send to resolve this problem, but Capital One Bank is only doing things in the merchant 's favor.
I was a member of the XXXX XXXX and was XXXX in XXXX due to injuries sustained in XXXX I had a XXXX Card with a {$8400.00} balance in XXXX. So far, Transworld Systems Inc has collected a total of {$8700.00} from my tax returns and an additional {$1900.00} from my pay checks. I contacted Transworld Systems Inc and they informed me that they contacted via mail back in XXXX, but since they sent it to a wrong address, they said I forfeited a settlement and they took garnishment actions. I have not heard anything from them in 5 years, yet every time I turn around, they are taking money without me knowing. Had I not called The XXXX XXXX XXXX XXXX today, I would have never known about the garnishments of my wages. I have asked XXXX and TSI numerous times for a breakdown of what I owe and have yet to receive anything since XXXX. I am a little confused on how this is the slightest bit fair.
We were notified by New York Community Bank inXX/XX/XXXX that our HELOC was going to " expire '' in XX/XX/XXXX and the entire amount would be due at that time. Our original loan documents state the loan terms would end in XXXX. I called and was told this was not true and the letter had been sent in error and that nothing is due. We had filed for bankruptcy and the loan was discharged in XXXX and not re-affirmed. They said all a payments were voluntary. We called many times and were told by New York Community Bank that they were no longer doing any of their HELOC loans and we had better find another lender. We were then sent a new letter stating that our loan would expire in XX/XX/XXXX and this letter referenced our Bankruptcy. We contacted our bankruptcy attorney and she stated the bank violated the Bankruptcy stay by sending us the first letter. But to sue them we would have to pay to do so. We are struggling financially and have missed some payments. She suggested we offer them money to try and buy the lien. We have made offers and now they wo n't even return our calls. They sent an appraiser to our house and when we received a copy of the appraisal they compared our home to homes in a different city with views of the ocean and another home that was one bedroom larger than ours. I spoke with the appraiser when he came in Mid XXXX. Then when we asked for assistance the single point of contact sent us a letter stating they may do an appraisal and requested we pay for it. The appraisal had already been completed at that time. Our HELOC was an interest only loan which was/is predatory in nature. When I tried to get assistance from them back in XXXX they informed me the Obama program did not pertain to HELOCs. I then found an article stating that New York Community Bank was selling all of its HELOCs that it had acquired from AmTrust to XXXX XXXX this article was dated XX/XX/XXXX the banks deal will go through in the third quarter. So it looks like NYCB is trying to call all HELOCs due and not sell them to XXXX XXXX. Ours was one of those as were many others. But they called all of the HELOCs due and gave consumers three months to pay these amounts and if they do n't they can foreclose. What are families going to do? I do n't have XXXX XXXX dollars to give them and how does one of the largest ( wealthiest ) banks in the US not work with families. They wo n't even return my calls.
History : After our bankruptcy discharge they refused to send us statements and they punished us by refusing to credit my payments which were paid in full on our account which I was able to access on-line they broke up our payments into small amounts and said they were short payments. When I called no one I talked to could explain it and they said they would look into it and call me back ... they never did. I have attached a copy of what I was able to print out. I am not able to access my " account '' at all for the last year.
I have been getting calls from Midland credit. They call constantly using obscene tactics in fear. I was told from a caller because I could n't afford to pay that he " Knew a place I could get XXXX free meals a day ''. They have somehow gotten my mother 's phone number and told her they have a case with me with the XXXX XXXX district attorneys office. They are also now calling my partner 's parents. I have no idea how they are getting this information and the harassment will not stop. I saw there is a pending case on them as well.U.S. v. XXXX XXXX XXXX XXXX, XXXX, U.S. District Court, XXXX District of New York, XXXX. I feel helpless to stop these harassing and embarrassing calls.
I requested original bill from said hospital. The company trying to collect sent me one. On the bill is says amount due XXXX .... On a piece of paper from collection company. They tell me to ignore what is on original bill from swift emergency. If the Bill says I owe XXXX. How can they create a random amount and attach to my credit report.