WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I were seen and treated separately on XX/XX/2018, at XXXX. We each paid a {$50.00} co-pay. We were told that our insurance was accepted. We later received bills stating that {$65.00}, was left remaining on our bills. The total bill for our visit was {$110.00} each. When I received the statement, I called XXXX and explained that we were told our Insurance was accepted there. She said it is accepted, but that is not a guarantee that our insurance will pay. I asked her if they would reduce the bill to a self-pay amount. She said no. I intended to contact my insurance company to dispute. However, it was put off. On the evening of XX/XX/XXXX, I received a letter, dated Saturday, XX/XX/XXXX, stating if full payment of the overdue amount is not received by the due date, ( there was not a due date on the letter ), we will have no alternative but to turn your account over for collection. I paid both of our bills in full on XX/XX/2018. On XX/XX/XXXX, I also received an email with my statement attached that stated the account will be referred to collections within 10 business days if payment is not received. I have been contacted by Transworld Systems, Incorporated. They claimed that my husband and I owe them {$97.00} each. I explained to them that I had paid the bill in full on XX/XX/2018. They now say I owe {$32.00}. XXXX paid the {$65.00} to Transworld on each of our accounts on XX/XX/XXXX 7, 2018. I have explained that the bill was paid prior to it being turned over to collections. They have acknowledged that it was turned over on XX/XX/2018, but they insist that XXXX says we owe the fee for collections, regardless that it was paid prior to it being turned over to their office.
Update : I spoke with a bank representative on XX/XX/2017 regarding same charges associated with this new/updated complaint. Representative submitted a partial fee refund of {$100.00}, 50 % of the fees acquired in the course of 11 days ( {$210.00} ). Since speaking with the representative I have incurred 2 additional {$35.00} fees totaling {$70.00}, after being told I should not expect any additional fees until XX/XX/XXXX. These fees were charged on XX/XX/XXXX and XX/XX/XXXX. In addition, I am currently in the dispute process with XXXX for unauthorized charges that were made on my account in the amount of {$130.00}. This charge was attempted to be deducted out of my checking account twice, was returned, and a fee of {$35.00} was assessed both times by Bank of America. I have documentation of this ongoing dispute. In conclusion, the call received on XX/XX/XXXX did not resolve my complaint in its entirety. I was under the impression that zero fees will be assessed after that call. Since then, 2 new fees have occurred. Bank of America continuously give inaccurate information. 

Imported from previous case opened on XX/XX/2017 : I am a long time Bank of America customer, starting off with this company with a Student checking account many years ago, and am saddened to say how disappointed I am in the practices at this institution. I spoke with Bank of America on XX/XX/2017 in regards to transactions made on my account between the dates of XXXX-XXXX. In the course of 11 days my account incurred six fees of {$35.00} each, totaling to a whopping {$210.00} worth of bank fees. I was told these fees were incurred due to 3 separate transactions that were attempted to be paid through my account. Not only am I a victim of these excessive bank overdraft fees, they are also unwarranted. There has been occurrences in the past where I was told that the BOA mobile app does not accurately show your available balance and that you must go to the desktop version of the site in order to view your actual balance. The misrepresentation of account balances is another way to push customers into overdraft, allowing the banks to collect multiple overdraft fees. 
After speaking with the bank rep, I was told that I may opt in to overdraft protection, in which if a transaction can not be paid, it will simply be declined by the bank. I am extremely upset that this is the first time I have been notified and given this " option ''. With that being said, since I am not currently enrolled in overdraft protection, any attempted transactions are to be paid by the bank. The issue here is that not only were the transactions between the dates stated above returned ( NOT paid/declined by bank ) but a {$35.00} return item fee has been charged to my account six times ( three in one 24 hr prd ). This is insanely ridiculous. I do not wish to end my longtime relationship, however I am a hardworking XXXX year old, that simply can not afford to throw money away on bank fees. If this issue can not be resolved, I will research alternative banking options.
On  X/XX/17    at  XXXX  CST I received a call from (  XXXX  )  XXXX , a number which originated in  XXXX   XXXX  , FL  according t o caller ID. Upon answering, I heard a message saying the call was from " Chaplain Financial Services '', and this message was intended solely for Me, and if I was the named party, I should press  1.  I did as instructed and was greeted by a female who identified herself as "  XXXX   XXXX  ''  ( o r  XXXX   ).   XXXX   XXXX  informed me she was calling from " Chaplain Associates '' and that her client was in the process of filing "  XXXX  allegations and  XXXX  complaint '' against me with my  local county c ourthouse, and that they were just calling to get a statement from me. She then asked " so, you did n't pay back the loan, right? Why did n't you pay it back? Did you lose your job? '' - It should be noted that at no point did  XXXX   XXXX  inform me that this was an attempt to collect a debt, and any information gathered would be used for that purpose- I informed  XXXX   XXXX  that I did not wish to make any statement on my own, but rather if they needed a statement that I would allow my attorney to make a statement on my behalf. She asked me to repeat what I had said, so I did, and then she said " well we just need a statement in order for these  XXXX  allegations and  XXXX  complaint to be filed against you with your local court ''. I asked  XXXX   XXXX  what she meant by "  XXXX  allegations and a complaint '' and she said " it means our client is attempting to have you charged with Theft by Taking and Passing Bad Checks. I asked  XXXX   XXXX  if she was familiar with the Fair Debt Collections Practices Act, specifically Subsec tion 807 whic h says The following conduct is a violation of this section  : ( 4 ) th e representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person ... as well a s ( 5 ) :  The threat to take any action that can not legally be taken or that is not intended to be taken, and that an individual can not be charged with " Theft by Taking '' for the alleged nonpayment of a debt. She replied " no one is saying you 'll be arrested, just that we 're trying to have you charged. But you seem really on point with all this, so we 'll go ahead and move forward with filing this with you r local county reco rder, and you better get legal representation ''. I replied " well thank you for the legal advice, you seem to be an attorney '' at which time she hung up on me.
Credit reporting allows organizations initially resolved in bankruptcy to resubmit debt under different names. No identification. No honoring judge legal order. No following FCR laws. I paid previously during time required. I never applied for other credit but system process and freezes consistently fail me. Its illegal after years of bankruptcy process and instructions to SIMPLY MAKE ME START OVER. Equifax,  XXXX , and Others. My problem is Known unfair practices!
There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC.  See  attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
I'm went in to XXXX XXXX XXXX 's XX/XX/XXXXwith a credit score of XXXX. Paying my debts on time took my score to XXXX. XX/XX/XXXX my score went downstairs 74 points. My creditors are showing a good payment history on my credit report but they put it in negative status. XXXX XXXX, Barclay Credit Card , XXXX XXXX. XXXX XXXX XXXX has me owing XXXX dollars when I only XXXX dollars. I've been doing everything I can to satisfy my debts with my creditors and raise my credit score so I can purchase a home. I do not think it's right for them to put me in negative status since they agreed to the terms bye XXXX XXXX. They were in a positive status. Then all of a sudden it's negative.
I asked for my yearly credit reports XXXX, Trans Union, XXXX online. I never received any of the reports. I did this in XXXX and around XXXX I checked with all to see if my annual reports of hard copies had been sent to me. The hard copy reports had not been sent, but Trans Union, and XXXX stated they had been sent, but I never received them. XXXX would not even let me check to see a status unless I bought a XXXX look to see if it was there. I have till this day not received any of them, and I have a dispute I want to check with XXXX, and they will not even let me see my report.
I have a collection account on my transuion report XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX fro {$87.00}, and i dont owe them nor do i know who they are.
I have been a customer of Wells Fargo since the XXXX. I purchased my 2nd home in XXXX, and then refinanced my property in XXXX. At the time of the re-finance, my property was appraised at {$130000.00}. I recognize that this amount may have been inflated due to all of the illicit activities that were occurring during that time. As a result of this refi my new lender ( investor ) was XXXX XXXX. Prior to this my loan was with FHA. In XXXX, I applied for a re-fi with Wells Fargo, where I paid for an appraisal. The appraisal valued my home at {$25000.00}. While this was shocking, I attributed this to decimation that my neighborhood had experienced as a result to the mortgage crisis. Because my home did not qualified for the Refi, it was suggested to try the Harp Program. When applying for the Harp, I was told that the Investor- XXXX XXXX did not participate in this program. 

XXXX XXXX benefited greatly from all of the TARP funds but provided their customers with no benefits. It seems unfair. It was reported that XXXX XXXX received {$10.00} XXXX in TARP funds. I was told that the mortgage arm of XXXX did not benefit from the TARP funds. 

It is now XXXX, and I continue to make on-time payments of my mortgage, however because my market value is only approximately {$43000.00} I still am unable to refinance the property. 

I would like someone to investigate whether Wells Fargo or its representatives benefited from my loan being with XXXX. Is or was there something that Wells could have done to assist. Was there something illegal that occurred
I became behind on payments due to financial hardships, TD Bank began calling me XXXX times a day everyday. I clearly stated to the representative that I was enacting my rights granted under the guidelines set by the FTC for them to cease contact immediately. TD Bank continued to call me XXXX times daily for months until I finally was able to make them remove my number from their calling list last month. Now they have turned the account over to XXXX XXXX who has began calling me daily. I spoke to a representative yesterday XX/XX/2015, and informed them I was under a do not call list, and verified XXXX times that they were removing me from their calling list. Today,XX/XX/2015, XXXX XXXX contacted me again to collect the debt. I spoke to a supervisor who identified herself as XXXX ( sp? ) And informed her that I was to be put on a do not contact list, she then stated there is no record of this request. After I informed her a third time that I was to be removed from the calling list, she still attempted to collect payment after I stated that I did not feel safe making any transactions over the phone with their company.
I am submitting a complaint against Early Waring Services because I have been a victim of Identity theft and sent in the required documents that they requested Police report, ID and consumer Identification form. There is an inaccurate reporting showing from XXXX XXXX on my file with them In which I sent in a dispute to them along with the Identity Theft Remedy documents requested and they claim that XXXX XXXX claimed the account to be verified as reporting accurate. I called today and spoke to a supervisor ( XXXX ) who told me that XXXX XXXX did not respond as to why they believe the account to be accurately reporting so that gives them permission to remove the reporting from my file. Shortly after XXXX called to tell me that XXXX XXXX responded as to why they believe the account is reporting accurately and that the reporting was going to be reinserted in to my file. They said that I can rebuttal the reason as to why XXXX XXXX believes the reporting is accurate and I have to explain why I disagree. I have already stated why I disagree the moment I sent them a Valid Police Report Specifying that this account reporting is Fraudulent and Identity theft. They are completely violating my FCRA rights and ignoring that fact that this is an identity theft account that was opened fraudulently. Why should I have to rebuttal what is obvious in my initial dispute with them? This situation seems to be completely biased as this company was formed and XXXX XXXX has partnership and interest in the stock of this company.
I have received several phone calls from a company claiming to work for the county. They state that they are trying to serve me legal documents and by not returning the phone calls it will result in a missed court appearance and a warrant being issued for my arrest. I have called them back repeatedly, informed them that I am recording the phone calls, at which time they immediately hang up on me. I have no idea what the debt is for, if it is a real debt or if it is a scam. They are calling 5 or more times a day.
I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still  XXXX   XXXX  customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence.  XXXX   XXXX  reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period
The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times. 
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do. 
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX
There was fraud on my wells fargo secured credit card. I disputed the charge, wells contacted me and and we began the dispute resolution process. I spoke with the dispute resolution center several times. They assured me during this process I would not be debited the amount in dispute. On XXXX XXXX they suddenly closed all my accounts without warning and froze my account. I had asked if such an action would be taken during my conversations with the dispute team and was assured it would not. I now have no access to my funds and no other bank account as I was not prepared for such an aggressive and seemingly illegal maneuver.
Missing {$350.00} in payments to my loans, please see attached for the list of payments that are missing and the acknowledgments of the payments.On  XXXX 17 Interest was paid twice, once on  XXXX -17 and once on  XXXX -17. All the amounts from the acknowledgments did come out of my bank account.
My house has an FHA loan through Caliber Home Loans. I have been trying to get reviewed for homeowner help programs for many months but Caliber has never completed this review. Every time I call in I talk to someone different. When I send in the paperwork they always lose or misplace it. When I ask to talk with a XXXX speaker I get put on hold and don't get anyone to help me. I am frustrated and now have a sale date on XX/XX/XXXX. I had a temporary hardship but now want to fix this problem and begin making payments again. Caliber has not given me access to the government programs that are set up to help homeowners in my situation like modification and forbearance and others. They are supposed to help me and let me have an account manager who speaks XXXX  and review my financial information but they have not done this.

I bought this home about 2 and a half years ago with an FHA loan through XXXX XXXX XXXX that was immediately transferred to Caliber by the time of the first payment. I had a good full time job working in a XXXX when I buy the home along with my wife and adult daughter who live here with me. I had problems when I got laid off from my job in the summer of XX/XX/XXXX I could not keep up and began missing mortgage payments. I did side jobs and XXXX jobs to feed my family but could not find full time work for several months. I tried applying as soon as I went late and sent all of the paperwork in to Caliber but nothing ever happened. I would send in all of the papers but then be told that something was missing so I would have to send that in and this happened over and over and then they would break off contact and then I would have to start over. I never had a dedicated point of contact, it was someone different every time. I had requested to work with a XXXX speaker since that was my native language but that was literally impossible for Caliber to do for me.

I am now working full time doing XXXX and XXXX  and in a better place and able to afford a fair mortgage payment. The problem is that Caliber gives me the false statements and ignores my requests for help. Instead of doing a review of my financial information they set me for foreclosure sale.
XXXX Dispute Number XXXXTransunion Dispute Number XXXX An account with XXXX XXXX was settled on XXXX XXXX, 2015, in the amount of XXXX. During the next reporting period, which was XXXX XXXX, 2015 no update to the credit bureaus had been posted. On XXXX XXXX, 2015, I filed formal disputes with all XXXX CRA 's, and within XXXX days, all three reported my settlement as a single payment, with a derogatory balance remaining. This has further damaged my credit rating. I have attempted to call XXXX, who refuses to update. Also, two of the XXXX CRA 's have stated that their investigation is complete. Not only did the company in question not stick to a written agreement, but my questioning them has lead to them reporting false information, when I physically sent in a copy of the agreement to transunion, with not even a furthur investigation by either of the three CRA 's ; as they deem, to be needed. This appears to me to be a vindictive action of the creditor, being upheld by all XXXX CRA 's, all of which refuse to listen to me. This has hurt my credit rating even further, making it difficult for me to find proper housing ; as, I was left without the home during my divorce. I have settled with several other companies, all of which reported appropriately. I am just asking for the CRA 's to investigate further, which would require XXXX to be honest, and hold them accountable to their settlement agreements. Thank you. Also of note, my payment was sent the XXXX/XXXX/15, scheduled for delivery XXXX/XXXX/15, and picked up by XXXX XXXX/XXXX/15.
Dear CFPB : Resurgent Capital Services keeps trying to collect on an old, already-repaid credit card debt. I repaid this credit card debt in XXXX 2006! 

Unfortunately, the original collection agency never reported my debt as repaid to the XXXX main credit reporting bureaus. 

Today, Resurgent Capital Services called XXXX of my relatives and left a " threatening, creepy '' message for me on his answering machine. This is totally illegal! Resurgent should not be harassing my relatives or friends! They should not be leaving threatening messages! 

I already sent Resurgent XXXX letter, via certified mail, stating that I had repaid the debt in 2006. 

In addition, XXXX XXXX XXXX and XXXX XXXX both stated they were no longer going to try to collect on the debt, as it had already been repaid. That is why I was very surprised to hear I had received a threatening message today from Resurgent Capital Services.