WillisBack/dataset-financial-user-claim huggingface dataset:
Designed Receivable Solutions - XXXX XXXX XXXX XXXX, Ca. XXXX XXXX Incorrectly reported what it seems to be a medical bill from XXXX XXXX XXXX XXXX XXXX in XXXX, Ca. I have tried numerous times to have the collection removed from both credit agencies. They have admitted this debt belongs to someone else. They are requesting a copy of my credit report. I have a problem providing that information to them, and I do n't feel comfortable sharing so much confidential and private information. They claimed it is my responsibility to prove they made a mistake. I am willing to share a portion of my SS # and a copy of my XXXX.
XX/XX/XXXX we received a letter stating that our mortgage loan of several years from XXXX  had been sold to a company by the name of Mr Cooper. We continued to have our payment of {$450.00} taken out of our checking account by-weekly. Suddenly when the payment came out automatically on XX/XX/XXXXthe amount had increased to {$600.00}.

On XX/XX/XXXX I contacted Mr Cooper at XXXX. I spoke with a supervisor in there Ohio location. She explained that I was being charged more money due to the fact that I had no home owners insurance. At this point I told this person that I have never NOT had home owners insurance, that this payment also comes out automatically every month. She then stated that Mr Cooper had faxed over 4 separate letters to my insurance company XXXX XXXX  and that XXXX XXXX had not responded. I said, then why would you not contact the homeowner, she said because we do not have to do that by law. So at that point Mr Copper takes it upon themselves to charge you a fee for homeowners insurance. I said that is a terrible business practice and not the correct way to do business. She said that if I could get XXXX XXXX  to fax over proof of insurance that I would have my money back in 2 days. At this time I contacted XXXX XXXX, In speaking with the office manager She stated that she is the only one there and has not received a call or fax from anyone claiming to be Mr Copper. She then faxed them the appropriate information twice and copied me via e-mail.

On XX/XX/XXXX another payment was taken out by Mr.Cooper for {$600.00}. I then contacted Mr. Cooper again at XXXX I spoke with a woman by the name of XXXX in there Georgia location. She was in the insurance division apparently. She stated to me that she could see in the system where XXXX XXXX sent over insurance proof and that she would change the system to reflect this. She then went on to say that I need to call back in 5 business days, speak to someone in the escrow department to be sure that this is in fact fixed. I said, that does not make any sense, you told me you were fixing it right now. She stated, well I can only do some much just contact them in 5 days. Then I proceeded to ask, when will I receive my refund for the 2 over payments that total {$300.00}? She said, oh, well why would you think you would get this money back? I said, because I have my own insurance and you are charging me for your insurance. She said, oh you pay for your own insurance? I said, isn't that the reason we are having this discussion. She then said, well if in fact they do owe you money you will need to wait to call them in 5 days, then they will process it from there and that will take another 5 days. This is just unacceptable ....
USAA my credit card issuer put a hold on my travel reward points because I exceeded my credit limit on my card. I pay my credit card in full every month- I do not carry a credit balance month to month. My payment was not late. I made a wire transfer to clear some of the balance but it has not hit their account so the hold is now going on day two. How do they have the right to seize reward points I have already earned? I pay my balance in full every month and reward points are earned on the prior months balance. From a financial viewpoint I have earned the points but from a practical standpoint USAA has seized my assets ( reward points ).
I opened an account with Citibank promising a {$400.00} bonus for depositing {$15000.00} for one month. After {$15000.00} being in my account for three months, not only have I not received the bonus, but I have written five letters to Citibank without receiving the bonus. I also have not received a confirmation that I will receive the bonus. I need to use that {$15000.00} elsewhere. 
At this point, I believe i should receive three {$400.00} payments for the bank holding my {$15000.00} for three months and purposely delaying payment through stalling techniques. Please ask them to pay me now.
I leased a Chrysler Town and Country with financing through Chrysler Capital. I returned the vehicle XXXX XXXX, XXXX with 4 lease payments remaining totaling about {$1300.00}. Upon turning in my vehicle I was told I would be responsible for paying the remainder of the lease payments and that I 'd be receiving a bill. A few months later I received a bill dated XXXX XXXX, XXXX in the amount of {$27000.00}. I called and spoke with customer service who said the amount was wrong and they 'd send another bill. The next bill stated they disposed of my vehicle on XXXX XXXX, XXXX and I owed {$2600.00}. I called again, and the next bill they sent had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2800.00}. The next bill I received was via email and had a vehicle disposal date of XXXX/XXXX/XXXX and an amount of {$2300.00}. Most recently I received a bill saying my vehicle was disposed of on XXXX/XXXX/XXXX and I owe {$2300.00}. There is also a discrepancy in the final odometer reading among the bills as well. During the last year I have received numerous calls from Chrysler Capital trying to collect on this bill, but due to the lack of accuracy in their record keeping I have not made a payment. I was told the amount I owe is not my remaining lease payments, but instead it is the adjusted lease balance less the realized value, meaning they sold my car for less than it was worth and that I owe the difference. I started keeping a log of all communication with Chrysler Capital XX/XX/XXXX because the amount of calls were excessive and unproductive, no one was able to give me accurate information. Many times I was receive calls and they 'd hang up when I answered the phone or it 'd only ring once and hang up. Since XX/XX/XXXX ( in 8 months ) I have received 25 phone calls, 8 of which were hang ups, and one email. I filed a complaint with " XXXX from the Office of the President '' which did n't actually solve the problem or stop the constant phone calls, and she no longer returns my emails or calls.
XXXX, headquartered in XXXX, Pennsylvania, merged with First National Bank. Following the merger, online bank statements prior to the effective date of the transition ( XXXX/XXXX/16 ) are no longer available.
It appears that there are Liabilities on my credit report that do not belong to me. Such as XXXX, XXXX, XXXX, and etc. These are causing a decrease in my overall credit score. These expenses that have turned into collections do not belong to me. There is a huge error in my report. These expenses have been added to my report that belong to an entire different person. This need to be corrected.
I have a Capital One XXXX Rewards card.Recieve 1 % cash back for every dollar charged. 
I redeemed {$500.00}, and recieved check XXXX.I failed to cash check within 90 days, and check voided.I called customer service, and was told my account would be credited {$500.00} within 90 days.That did'nt happen.I called again, and spent 2 hours being passed from agent to agent. 
Capital One has violated Terms Of Agreement by not refunding this money to me.
I filed a complaint with Experian to vacate a public record of a Ch. XXXX proceeding filed but dismissed by the court as an error and withdrawn by the court the same week it was filed in XX/XX/XXXX. I became a victim of Identity Theft regarding a mortgage with my name on it that was foreclosed illegally by XXXX XXXX. Every other CRA vacated this public record court case # XXXX last year after I was affirmed to be a Identity Theft victim when our house was stolen! Experian in XX/XX/XXXX signed an accord to vacate ANY public record without all XXXX DATA points on the public record. My public record does not have enough data points of identification so it should be vacated as well! See news article on Page XXXX.
i had $XXXX added to my paypal account on monday XX/XX/17 and paypal refuses to release my money to my account after telling me everyday what i have to do to receive it which ive done everything and they still will not help me receive my money everyone ive talked to have lied to me just enough to get me off the phone or hang up on me
XXXX   XXXX   XXXX   XXXX ,  1. ) Filed a false claims on my credit report. and 2.  )  XXXX   XXXX   XXXX   XXXX , did n't respond to by letter dated  XXXX / XXXX /   17  received by  XXXX   XXXX   XXXX   XXXX  on  XXXX / XXXX /   17  disputing these bogus claims dated  XXXX / XXXX / 17 .
My mortgage servicer recently changed from XXXX XXXX to Selene Finance. I have requested a mortgage modification to bring my mortgage current because when my mortgage servicer changed from XXXX to Selene Finance, XXXX didn't forward my mortgage payments that were debited from my account to Selene Finance. This has caused me to become delinquent with my mortgage.Selene has been difficult to work with. I don't want to loose my home.
After years of reviewing credit reports from the big three on a rotating basis from the web, Equifax now demands that I print and mail a form, and attach copies of other documents. This has happened after Equifax failed to secure our data, and now appears to wish to make the process more cumbersome for consumers in order to reduce the number of people following the process to actually see if they have been compromised. I 've been at the same house and same job for 25 years so it is not feasible that they need additional information from their paper forms. SImply, it appears that they have, for their own purposes, defeated the concept of Annual Free Credit Report to Nuisance Copy/Print/US Mail Credit report in a month or two or three.
I 've been with us bank for some while now. And, per my opening of my account I 've opted out of over draft protection. A couple of times, they 've had to refund me money because somehow unexplainable its been put on and off. So, a couple days ago from this notice here. I was charges a overdraft fee. Telling me I went in the negative when.certain checks went through. Ok, they could not prove it. My account went in the negative from what I seen, when they charge me overdrafts when I should n't have. So, when my other transactions came in, the money was n't available. So, that 's when I was in the negative. Then I 've been cashing my dads checks for a while. Now since I 've made a complaint. I go to withdraw. Branch manager XXXX located in XXXX, I 'll. Tells me I could n't cause they have no proof the check was endorsed. Well why is it, and others cleared. I can use my card. But ca n't withdraw now?. She made all the running around the answer. I need to file a complaint and get all the money back I 've been charged..
XXXX RAN MY CREDIT ON XXXX WHILE I HAD A FRAUD ALERT THUS CANCELLING TWO APPLICATIONS FAILED. I WANT BOTH INQUIRIES REMOVED SEE ATTACHED
I sent {$100.00} to a friend in NY on  XXXX / XXXX / 17 . It took a week without receiving the money. I tried callin g Western Union on s everal occasions but all to no avail. And now when I checked on the phone, they are telling the money has been paid to someone in Colorado, why Colorado when the money suppose to go to NY?   XXXX  This is definitely a scam fro m Western Union!!    XXXX  Lesson learned ... never use  western  union.
Capital one is blocking me from authorizing a third party savings application for some reason unbeknownst to me. Please help me fix. Thanks!
Been speaking to XXXX XXXX from Wells Fargo home mortgage. Had left numerous calls to make a payment prior to XXXX XXXX to make a payment, no return calls, received and spoke to the rep who stated she could still take the payments although Wells Fargo had me locked out. Advised I would be making payments the following week. 
On Monday XXXX XXXX, 2016 a rep from Wells left a notice on my door in which I called the number and it was for a payment. XXXX XXXX then called, while speaking to Her she had advised that Wells Fargo had submitted back in XXXX an inspection on the property. Mind you at that time I was n't even 2 months down and there already beginning the wheels rolling with foreclosure and went into explain what I had gone through for 5 years with Wells Fargo and the errors. 
I advised that if Wells was going to start foreclosure already without helping to see what happened with the title company and the calls to me telling me I had to resign my documents 6 months later to send me short sale and deed in lieu documents. 
I proceeded to tell XXXX XXXX that she really had no empathy for the position she worked. She really had the nerve to tell me why should she have empathy with me since im telling her what im doing. 
WELL LETS SEE MAYBE IF SHE WOULD HAVE RETURNED MY CALLS I COULD HAVE MADE A PAYMENT PRIOR TO XXXX XXXX AND NOT BE BACK WHERE I WAS 5 YEARS AGO. 
MAYBE IF SHE CARED A BIT ABOUT PEOPLE AND THERE HOMES AND INVESTIGATED MY CASE PROPERLY I WOULDNT BE BEING FORCED OUT YET AGAIN! 
Its apauling that Wells Fargo have people there that scream and yell. Not her. And This rep., mocking me and the whole process. 
Due to her mocking me and my situation I have asked for a new customer service representative that is n't rude, that does n't mock. 
I AM ALSO DEMANDING THAT THE PHONE CALLS BE REVIEWED AND LISTENED TO AND I WANT WELLS FARGO TO CLEARLY TELL ME THIS IS HOW THERE STAFF SHOULD TREAT PEOPLE.
A couple of years ago, we were introduced to Nationwide Biweekly Administration regarding a Mortgage reduction plan they were promoting. After speaking with them, they ensured us that there were no up front fees other than a {$3.00} processing fee taken from our bi weekly withdraw. They further stated that the key to the biweekly process came from XXXX bi weekly withdraws ( essentially paying 13 months instead of 12 months ). The process would include an initial debit that acted as a " deferred payment '' which they assured would, in its entirety, eventually go to our mortgage payment. In mid XXXX of 2015, we were contacted by Nationwide Biweekly and informed that for an unspecified reason, they could not pay our bank that month, that they were essentially dropping us until the problem could be resolved, and that we would have to resume making our own mortgage payments for that time. We inquired about the money already taken out for the month, and they affirmed it would be redebited to our account ( which it was, minus {$3.00} ). However, while recently researching making bi weekly payments directly through our mortgage provider, it came to our attention that Nationwide Biweekly had charged its customers a large lump fee up front, which we were told was not the case when we signed up. We then contacted Nationwide Biweekly and inquired about the alleged initial fee. This was the first time anyone at Nationwide Biweekly informed us of that fee. While she would not quote an exact monetary amount, she informed us that it was withdrawn from our initial first debit. Since Nationwide Biweekly failed to inform us of this fee, and since they dropped us prematurely ( prior to the completion of the mortgage pay off ), we wanted to know how to get that initial fee back ( since they originally told us it was a deferred payment that would go toward our final payment - which is did not, nor will it since they dropped us ). The representative told us it was non refundable, but upon further pressing, stated she was not able to answer that question and would transfer us to someone who could. We then waited on hold for approximately 45 minutes before our connection was terminated.
I sent an email to the company after I discovered the loan is not legal in the state of Alabama which I am a resident of as they must be licensed in my state which they are not. Below is my email and also their response.

Dear Lender, It has come to my attention that payday lenders must be licensed by the state of Alabama in order to offer loans to its residents. Since your company has no license in my state, the loan contract I have with you is not valid. Although I am not legally required to do so, I am willing to repay the principal balance of this loan. To date, I received a deposit of {$500.00} on XX/XX/18 and have paid {$1200.00} back.. This results in an overpayment of {$760.00} At this time I am requesting a return email acknowledging that my loan has been paid in full. Also, I would like a refund of the {$760.00} overpayment. A refund check of {$760.00} should be mailed to me at the address you have on file. 
I am also revoking authorization for ACH withdrawals and any wage assignment I may have signed. I have given a copy of these revocations to both my bank and my employer. Any future attempts to collect funds in this manner will be blocked. 
Please respond to this email with acknowledgment that my account has been satisfied in full. Details of when I can expect the refund check, as discussed above, should also be included in the email.Also do not call my place of employment as my employer forbids these calls.Any communication in this matter you can send thru my email, XXXX XXXX XX/XX/2018 tal Amount Due : {$390.00} Hi, You have remained unresponsive to our requests. Our efforts to build on the mutual engagement and cooperation have been documented. Act now if you are still interested in setting up biweekly payments of {$78.00}. If you need a more flexible arrangement please reach out to me. 



If you are not able to respond to this email, please call me as soon as possible, XXXX Thank you, XXXX XXXX. 

XXXX XXXX XXXX cid : XXXX Direct Line : XXXX Toll Free : XXXX ext XXXX
Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX.
OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it.
Soon after I received a bill from a collection agency ( Professional Account Management, LLC )  with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}.
Can you please advise me how to fix this injustice.
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
A fraudulent purchase was made in my name, on or about XX/XX/XXXX, from a company called XXXX XXXX, XXXX. The charge was sent to a collection agency, XXXX XXXX XXXX XXXX   XXXX, XXXX, MN XXXX. 
On about XX/XX/XXXX I was notified of a change to my credit report, advising of a lien. 

I have never received an Invoice, Statement or notice of Lien from the Vendor or their Agent. 
The sale was made to a party in XXXX XXXX, FL, and not to me personally. 
The collection Agencies have not responded, nor has the collection Agency. 
This is adversely effecting my Credit Score.

I notified all 3 Credit Agencies and the FTC of the discrepancy, as well as the Collection Agency. No action taken by them.
I purchased a pair of eyeglasses fro XXXX XXXX utilizing a promotion offering 12 months no interest. My wife is the person in our home who pays the bills. One year later I received a call from Calvary Portfolio Services who were bring to collect on a debt for my glasses. However, when they called and asked for my name, address, and city, all of the info the had was incorrect. My name was spelled wrong, my address was wrong, and it was not in the city in which I lived. As a result of this inadequacy of who ever was inputting my info, my credit has been disrupted. I am attempting to refinance my home, and became aware of the marks against my once perfect credit. I have contacted XXXX Bank who opened the credit card and they said that they can do nothing to help get my credit corrected. I have also contacted Calvary Portfolio Services to see if they can assist me, I am currently paying the debt to them, and they also said that they could not do anything to help my cause. I feel that I have been the victim of some person 's inability to input information correctly leading me to file this complaint.
I owned my condo for 14 years without ever a late payment. I became ill, lost my longtime job with XXXX, and had to stay with family out of state due to physical limitations. XXXX and their debt firm Codilis & Stawiarsky ( XXXX, TX ) foreclosed on me over {$1500.00} and I was n't aware until after the sale on XX/XX/XXXX. Codilis is very unethical and unprofessional, ignoring most of my communication and dodging payment of the excess proceeds from the sale. They also have not paid off the mortgage, running up the payoff to XXXX. XXXX states they have no control over what Codilis does or does n't do. <P/>I require medical care, my XXXX hearing has finally been set after 26 months of waiting, and I need this money for groceries and medication. The laws give these companies freedom to take advantage of taxpayers ( yes, being single, I have paid a lot of taxes over the years ) when they should be held to the same short timelines as the borrowers.
1. I left the U.S. and moved to work at XXXX in XXXX since XXXX XXXX. Therefore, I cancelled my Macy 's credit card. 
2. In XXXX XXXX, I received an email with my Macy 's credit card statement so I called the customer service immediately and told them that I already left the U.S. and could not receive any mails from them and I already cancelled this credit card. Their customer staff ( a girl with an XXXX accent ) told me that I still had XXXX unpaid payment with US {$44.00}, which was overdue at that time. I told her that I always paid before the due date ( my credit score was " XXXX '' as of XXXX XXXX, XXXX ) and this must happen during my travel so I asked her if she could ask her supervisor for one-time exemption of the past due fine. She put me on hold about 10 minutes and she said it 's been resolved and I only had to pay the remaining amount of {$44.00}, which I spent for my last purchase online in XXXX. 
3. After I received the confirmation from Macy 's customer service staff on XXXX XXXX, XXXX, I paid {$44.00} right away on the same day from my XXXX account ( banking record proof ). 
4. I thought my due payment was all cleared. However, in XXXX XXXX, I noticed that Macy 's still kept sending me bills by email. That 's very ridiculous! Therefore, I tried to email them at XXXXXXXXXXXX to reflect this issue. I emailed Macy 's at least three times and also left my official complaints online but had never received any email responses from Macy 's credit card center! 
5. I called their customer service number at XXXX more than 5 times and they told me it 's been taken care of and they assured me that I would not receive any bill from them. 
6. On XXXX, my last phone communication with Macy 's. I demanded to talk to the customer service manager of Macy 's because this situation was getting worse. I actually recorded our conversation as proof when the manager assured me that my Macy 's account balance would become zero in the following month statement ( i.e., XXXX, XXXX ). 
7. Recently I 've been notified that my credit score dropped from XXXX to XXXX because Macy 's reported a delinquent account with a total of {$270.00} past due payment. This is outrageous!!! I certainly do not owe Macy 's any penny!!!
I have hard inquiry that need to be removed. I have XXXX XXXX XXXX   and XXXX XXXX that I dont pay. Because I dont have a loan with them. And also I have turned this car in. That is mess up my credit. Which they would not fixs it. It was a lemon. I have problems by trying to get loanss. I hard inquiries on my credit that also pull my credit to XXXX and. And my credit things is still on them way in XX/XX/XXXX XX/XX/XXXX. Please help me