WillisBack/dataset-financial-user-claim huggingface dataset:
XX/XX/XXXX, I received a letter dated XX/XX/XXXX, in the mail from a XXXX XXXX XXXX Out of XXXX , Kansas . 
In the letter they stated they had purchased my account from XXXX XXXX with the last transaction date of XX/XX/XXXX and owing {$1100.00}. They wanted me to pay them {$850.00} to settle the debt or it will be placed for legal action. I immediately called the number, but only got an answering machine. I did leave my name, number and a message stating that this was NOT my account. 
1. I have NEVER had a XXXX XXXX account, nor any other jewelry account. 
2. They mailed this letter to a former address that I haven't lived at since probably XXXX. ( However, I live in a small town, so the mail was forwarded to my present address ) 3. I have divorced since I lived at the former address, and did not use the last name I use now, that this letter was addressed me to at. 
4. I keep an eye on on my credit reports and this charge from XXXX XXXX has never shown up on any of my credit reports, If it would have, I certainly would have contested it, as it's not mine. 
5. I called XXXX XXXX Customer Service and they told me they did not find me in their system and to call XXXX who is over the charged off accounts to see if they have my name there. However, they were closed when I called. 
My conclusion is this seems like either a scam on XXXX XXXX part, or somebody opened an account fraudulently under my name, or they have my identity mixed up with another person with the same name. 
Whatever it is, I am upset over this, and I will press charges if needed against whomever is behind this.
On  XXXX  .13 I trie d to get a  XXXX  under my name but was not able to so they told me that I can use my boyfriend to see if we would qualify for one. At that time he was not home. He was at work but they insisted that is was ok. This application submitted was falsely submitted by the company 's rep. The sales person signed and had us all turn around to not look. And they told me that as a down payment they needed another vacuum cleaner of some sort and that they will return on Saturday to come by to pick it up. The next day I called them to let them know that I was not interested in purchasing the item anymore and since they were going to come by on Saturday to pick up the other vacuum they can just come by to pick up the  XXXX  instead. No one ever showed up to come pick up anything that weekend. I have made numerous attempts to contact  XXXX . All to no avail. The fictitious application and forged signatures do not bind me to any obligation with this company. Additionally, Merchants Acceptance is a 3rd party collection agency and has not provided any documentation to support that I truly and indeed owe them anything. Where are the original documents that bear my signature and prove that I signed a contract with Merchants Acceptance? I have never heard of this company nor have I ever did business with them. The  XXXX  sales team are frauds that practice fraudulent behavior.
I have contacted Trans Union and XXXX XXXX. I made the request several years ago to Trans Union and all of the past collection agencies claiming that I owed a debt to XXXX. I settled all of my prior debts with XXXX when I received my final bill prior to changing carriers. I 've disputed this for the past three years. 

Starting in late XXXX I began to receive letters claiming I owed this debt. I knew I did n't and waited patiently for Trans Union and the pool of collection agencies to realize that. I request on numerous occasions that I receive a copy of my original last itemized bill from XXXX. Trans Union nor any of the collection agencies honored my request. 

This Derogatory Public Record has cost me years of lower interest rates, possible credit and new job considerations. There should be some form of monetary restitution. Credit Bureaus and Collection Agencies must do a better job of investigating the facts before this irreversible damage is done to consumers. " This is egregious, and worse than, " Identity Theft. ''
I have been struggling to pay my student loans. I am XXXX and the options that Nelnet is offering me just brings my balance higher every time they report to the credit buearus.
On XX/XX/2018 I contacted Wells Fargo to make full payment to bring my account current. I have been away on family leave from XXXX to assist my mother who has failing health in Missouri. I'm behind 4 payments. I told them I was wishing to bring the account current. I was told they would not accept any payments from me because my house was in foreclosure. I have not received any notices what so ever. I went to county recorders office and found no notice of default. I'm really disturbed that Wells Fargo would not choose to work with me during this difficult time. I was told one week ago that they would email me a re-instatement statement with attorneys fees. As of today I have received nothing from Wells Fargo. The last person I spoke with I was told her name was XXXX XXXX at XXXX ext.XXXX
IN XXXX OF XXXX I OPENED A SECURED CARD ACCOUNT THROUGH XXXX IN XXXX TEXAS SECURED CERTIFICATE OF DEPOSIT IN THE AMOUNT OF XXXX CARD WAS PROVIDED WITH A LIMIT OF XXXX i MADE SEVERAL PAYMENTS AND CLOSED ACCOUNT BECAUSE OF UNAUTHORIZED CHARGES AND THE PAYMENTS NEVER REFLECTED THE PRINCIPAL BALANCE, CUSTOMER SERVICE WAS HORRIBLE AS WELL. iN XXXX XXXX I DISPUTED CHARGES AND ALSO AT THAT TIME ASKED THAT MY ACCOUNT BE CLOSED. I RECEIVED A COLLECTION CALL XXXX XXXX AT THAT TIME I ADVISED TO COLLECT CERTIFICATE AND DO NOT CALL ME ANYMORE. i FELL SICK IN XXXX AND LOST EMPLOYMENT AND GOT TIRED AND FRUSTRATED WITH HARASSING CALLS.i NEVER HEARD FROM THEM AGAIN, I CHECKED MY CREDIT AND SEEN THEY WERE REPORTING A DEBT IN THE AMOUNT OF OVER XXXX. I WENT TO XXXX AND CLOSED MY ACCOUNT ON MY CD. XXXX XXXX, THEY COLLECTED XXXX WHICH I FELT WAS INCORRECT.I WAS ADVISED TO CONTACT CARD MEMBER SERVICES ON XXXX/XXXX/XXXX, PER BANK REPRESENTATIVE. AFTER BEING TRANSFERRED 8 TIMES I SPOKE WITH XXXX XXXX BANKRUPTCY DEPT STATES MY ACCOUNT IN BANKRUPT STATUS, WHY IM NOT SURE NEVER FILED BANKRUPTCY, SPOKE WITH XXXX ALSO WHO STATED SHE WAS TAKING CARD OUT OF PENDING BANKRUPTCY STATUS, ADVISED THEM I WAS CONSIDERING HIRING AN ATTY. THEY STATED IF I HIRED AN ATTY THEY COULD NOT SPEAK WITH ME. THAT WAS QUESTIONABLE. I WAS CONTACTED BY XXXX ON XXXX WHO TRANSFERRED ME TO XXXX XXXX  XXXX WHO WAS SUPPOSE TO OFFER ME SETTLEMENT OPTIONS. HE OFFERED 50 % OFF OF XXXX DEBT I FEEL I DO NOT OWE AND THEN TRANSFERRED ME TO A SUPERVISOR WHO OFFERED ME A 30 % OF A DEBT I DO NOT OWE. i ASKED FOR A PHYSICAL ADDRESS AND A PHONE NUMBER THAT THEY REFUSED TO PROVIDE ME TO SEND CERTIFIED LETTER. ALSO THAT ADVISED ME THEY DO NOT COLLECT ON DEBT UNTIL AFTER ITS CHARGED OFF. CHARGED OFF XXXX AND HAS AFFECTED AND REPORTED TO MY CREDIT NEGATIVELY THE INCORRECT AMOUNT OF DEBT BEING THAT IT WAS SECURED.
" ELAN FINANCIAL '' FILED A " FALSE " ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY " CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. 

THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A XXXX BALANCE RESULTED IN " MY CREDIT SCORE DROPPING " XXXX POINTS IN A MATTER OF " 12 '' HOURS. 

I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! 

XXXX/XXXX/15 - XXXX/XXXX/15.
US Bank and XXXX XXXX violated NJ and federal law by forcing a buyer of a real estate property ( XXXX XXXX ) to purchase title insurance using the sellers title company.
I have an under-developed eye, microphthalmia from the Agent XXXX, and since the age of XXXX I have had to wear a XXXX. The XXXX are very expensive ( XXXX-XXXX ) and they last 5-6 years. I got XXXX when i was XXXX and XXXX when I was XXXX because of how expensive they are. I am XXXX now. Because of the cost of the XXXX and the fact that they are not covered by insurance I have been unable to get XXXX since. In my early XXXX 's it became clear that i needed a new one. I had heard that some insurances were covering the XXXX or part of it. This was the only way that I was going to get a new eye as I could not afford it otherwise. XXXX is one of the only places that can make them. I called XXXX and had a lengthy discussion asking about how much would be covered by insurance and that I could not afford the eye or any procedure until I knew how much I would have to pay. The people at XXXX assured me that they would work out a financial deal with me that was affordable and to just set the appointment. I went to the appointment thinking we would discuss the bill before we did anything but they immediately sent me to the back room and started the procedure of making me an eye. Its a rather painful procedure due to the clay they form against my eye. After they did the procedure I asked them how much this was going to cost and what deal they would work out with me. Thats when the doctor slid an envelope over the table and said it would be XXXX. Obviously I reminded him that I could n't afford that and that it was why we needed to discuss it before making the eye. He told me that i needed to pay for it and then they could see if the insurance would pay some back to me. Totally unacceptable and not at all what I had discussed with them just days before. I refused that option. I never received the eye and then I get a collection on my report for XXXX. I do not owe this money as I never received the eye. On top of all of that I will never go to XXXX again for their deceitful and dishonest practices.
I had accounts with XXXX ( when it was XXXX XXXX XXXX ), and XXXX XXXX Store Card which is current but I expect it will be closed the moment I pay it off. These were all managed under XXXX Credit until Synchrony Bank took over. All of the accounts managed under Synchrony Bank I have gone through the same treatment. You get approved, they either raise or lower your limit and then close the account without any prior notice. They are checking the customers credit reports every month without the customers knowledge which makes their credit score go down, Synchrony lowers the customers credit limit which makes the customers credit score go down, then they close the customers account which makes the credit score go down also. I really wish I would have done an online search for complaints regarding this bank because there are many that have experienced the same thing. I had XXXX returned payment on the XXXX card and they closed my account without notifying me. I missed a payment, but did pay the late fee, got caught up on my XXXX account and they closed it without notifying me. I never missed a payment with XXXX, they lowered my limit then closed the account without any notification. They have already lowered the limit on my XXXX Store Card and I am close to paying that off so I left to believe that they will also close my account once it is paid off as well. I do not understand how the way they operate is even legal, they close your account yet still charge you high interest rates each month along with fees as if the account is still active. I continue to make the payments on the Synchrony accounts that are not paid off each month, but it is a great burden.
I was making regular payments on my mortgage to the XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX contacted me by written letter stating they were transferring me to Seterus, Inc. to service the mortgage. XXXX XXXX XXXX refused to accept my XX/XX/XXXX payment. I called Seterus six ( 6 ) times before they sent me a " Welcome Packet. '' received on XX/XX/XXXX. By this time I was two ( 2 ) payments behind because XXXX XXXX XXXX refused to accept payment and Seterus , Inc . had not sent me a coupon book or contact address or the new account number. Along with the Welcome packet came a letter in a separate envelope threatening foreclosure, and demanding payment for XX/XX/XXXX also. I was not late in any payment to XXXX XXXX XXXX but they refused to accept my checks! I could not pay Seterus, Inc because I did not have the new account number, or their physical address! I did pay the $ {$950.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received no statement or payment coupon. I intend to pay ; but this whole effort was to put me in default so that they could foreclose on my house
I have regular Amex and a prepaid Amex. My prepaid Amex ends in # XXXX. Amex is doing away with the prepaid Amex card apparently. They sent me XXXX letters telling me that their fees were going up or they suggested I close the account. I called XXXX to close the account. I was told they had to mail me a check for {$1.00} ( the remaining balance on the card ) in order to close the account and avoid the fees. In order to mail the check I was required to update my address. With the help of the rep, I tried and tried and can not update my address because they need to validate my information. In order to validate my information I am required to send them proof of my address by fax or mail. I am not going to send in paperwork on my address or anything else simply to close out a prepaid card and get a {$1.00} cent refund just so I can avoid the monthly fees that are accruing. I spoke to the " supervisor '' of the information validation department ( XXXX ), who told me this is the only way I can avoid the fees. This is absolutely ridiculous on all levels. In order to avoid the fees I have to close the account, but can not close the account. Seems dumb. Just close the stupid account, keep the {$1.00} or send it to me, I do n't care, but I am not going to mail things back and forth just to update an address on an very old prepaid card. Seriously ridiculous. I may not be a customer of any Amex product, including the cc version if this ignorant behavior continues.
In reference to loan number XXXX through Freedom Mortgage for XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I accidentally paid my property tax out of pocket when I was sent a bill for it in XX/XX/2018.  This is normally covered by my mortgage company as a part of my escrow account and monthly payment. I informed Freedom Mortgage of the mistake and was told I would be refunded the full amount of {$1500.00} when the escrow was analyzed in XX/XX/XXXX. This is shown on page two of the attached statement, listed under " checks and substitute checks. '' It was check number XXXX, paid in the amount of {$1500.00} on XX/XX/18. 

I called again XX/XX/XXXX after not receiving a check in XX/XX/XXXX and was told there was no record of my original conversation and that I needed to submit a bank statement to prove I paid the amount out of pocket. I did this promptly to their customer service email, as instructed and did not receive a response other than an automated " receipt of email. '' it is attached below. 

I called again 10 days later to inquire as to the receipt of the email and was told I never needed to submit a bank statement and that they would begin an escrow analysis. 

I received a check in the sum of XXXX $ on XX/XX/XXXX. This sum is still deficient {$490.00} from the initial payment I made on my property tax in XX/XX/XXXX. 


I would like to be refunded this amount, as I was promised in XX/XX/XXXX of this year.
We have set up an automatic payment plan to pay this debt and yet we get XXXX calls every day and when answered there is no one on the line and the call is dropped.
XXXX XXXX has a lot of innacurate information reporting codes for collections that don't even match my information this report is from XXXX XXXX no XXXX XXXX XXXX or XXXX XXXX or a XXXX XXXX judgements that do not even belong to me .they keep altering my identity my name is XXXX XXXX maiden name XXXX.
I started a mortgage refi with Everbank ( my current lien holder ) on XXXX - sent in all docs required. MANY things were asked for numerous time and numerous time sent ( I have appx 26 fax transmittals to show how many times I complied with their requested for information that had been sent several times ) This became almost a daily activity - VOI/VOE was done for both of my jobs. My second job was sent a request to do a 2nd VOI/VOE, he complied. After appx 5 weeks of this and the day before my appraisal I spoke to XXXX XXXX ( my loan officer ) and told him that if they did not have everything they needed to complete my refi I wanted to withdrawal my refi and refund me my {$900.00} ; I sent him yet ANOTHER couple documents that had been sent before, he stated all looked good and ok to proceed. Appraisal was done ( {$900.00} XXXX the following day, on XXXX. I called on XXXX to see status and yes, appraisal was in - a copy was never sent to me until I requested it on XXXX. I am a co-signor on a few loans and during this process, Everbank requested that I have my daughters truck refinanced out of my name ( which I did at a higher interest rate ) and I did the same with my nieces truck as I was her co-signor as well. This was all done early on in the loan process. After appraisal was done and sent to me, yet ANOTHER ( XXXX request ) was sent to my XXXX employer for VOI/VOE and information on another loan was requested that had been sent already NUMEROUS times. Everbank has my tax returns, XXXX 's and paystubs!! I rec 'd my settlement estimate as well and fee 's and costs as well as the rate were NOT what I agreed to on XXXX. On XXXX I withdrew my refi requested and asked for a refund ; I sent a letter in writing to Everbank home office requesting a refund and a response to my concerns regarding this refinance. XXXX I called Everbank as NO ONE had called me and no refund had been rec 'd ; talked to a customer service rep who said he could n't help me, he would have to escalate my concerns and a XXXX would call me that day. By the end of the business day on XXXX NO phone call from Everbank. On XXXX I faxed ANOTHER request to Everbank in writing and as of today ; XXXX no one has contacted me and I have not rec 'd my {$900.00} refund. Please help me!
Company has called 3 times today. 

XXXX called me, left no message. 

XXXX called me, left no message. 

XXXX called and I answered. Hung up when I said hello. Called them back and they hung up on me.
When l checked my XXXX Credit Report, l noticed that an unknown hard inquiry was made by ALLY FINANCIAL on XX/XX/2016 which l have no idea about it at all.
my name at the time of this occurance was XXXX XXXX XXXX and on XXXX XXXX 2012 I typed up and hand delivered a notice to vacate my apartment before the lease term was up and listed the reasons why in this letter, and gave it to the Manager of the XXXX, chapel XXXX failed to provide a safe environment for my children and I so I gave them 30 days written notice and moved my children and myself outta that apartment complex, people in the stairwells doing and selling drugs offering them to my children when they come home, gunshots all the time I recall calling the police several times, unruly children and the list goes on and on ... the manager ignored all reports by doing nothing to prevent these things from happening. She did n't even live on the premises ... XXXX did not abide by the lease terms of providing a safe environment for tenants and they should not be coming after me for the remaining lease and ruining my credit, I had no choice but to move for the safety of my family!
XX/XX/2018 To Whom it Concerns, My Capital One credit card statement of XX/XX/2018 is incorrect by {$1600.00} plus interest! I contacted customer service in regards to this on XX/XX/2018. I did this when I made a {$500.00} payment on the account. The customer service representative XXXX ( XXXX ) said she would forward the information to the department that would correct the improper balance. She concured that the balance was improper. She could see that instead of a payment being reversed back to the account just one time it was incorrectly reversed two times back to the account. This was due to two different card numbers because I reported lost stolen and fraudulent payment made on my account. The same single account. I have never made a payment online!!!! I have only made all my payments from the same checking account. My phone was hacked!!! I reported right away and changed my password on my online account. I have had this credit card for several years now and I have always been responsible and obedient to terms and conditions. I also have no criminal record. I also have worked for a credit card company. I was told by the customer service representative that this statement would be corrected. She also did not inform me that I was supposed to write to capital one to report error in billing. Conversation was recorded and I spent 2 hours on the phone that day with the company. I was lied to by Capital Ones customer service representative and I was not informed proper on how to dispute the error in the billing. I want this corrected this is simple reading and math to correct this billing. I want all my interest for this mistake credited back for XXXX, XXXX, and XXXX statements. I have attached the statements of XXXX and XXXX. I also have enclosed a spreadsheet showing the improper calculation of statement. Please do the simple reading and simple math. I should not have to hire a professional accountant for a witness and an attorney to get this straightened out. This is horrible! 


Sincerely, XXXX XXXX XXXX
I am trying to work out a payment plan to be able to pay off this debt. The company refuses to work with me.
There was a purchase on my card where the merchandise was not received through XXXX and was not credited to my card. I disputed it with my credit card company and they reversed it and placed it back on my card.
I bought a NetSpend Prepaid card lost it before opening it they would not assist me in refunding my money already put on the card
XXXX XXXX through XXXX charges me outrageous late fees, refuses to work with me on making these payments, then tries to take money from my bank, causing me to get overdraft fees. Customer service representatives call me on a daily basis, are rude, and are unhelpful.
XXXX never sent a bill/invoice. On XX/XX/XXXX they sent a statement saying they have sent 3 invoices and I have until XX/XX/XXXX to respond. I called them, they did n't answer, I left a voicemail. XX/XX/XXXX Summit collection agency called my home letting me know I owe the {$83.00}. plus the collection fee of {$50.00}.
I have been cursed and threatened by the agents with this collection agency and this has been investigated twice before and been removed from my credit report and I am tired of the harassing phone calls and annoying letters from a debt that I do not owe.
Credit Card company ( XXXX ) allowed a charge from XXXX that was not authorized by me. 
There is an ongoing dispute on a contract which I had with XXXX XXXX that they did not perform on and we were in discussion on resolving this dispute.
I get a call at different times but every single day from a robot identifying itself as Diversified Adjustment Services ( XXXX ). this has been going on weeks now. It does n't respond to any button presses if i answer. When I do n't answer, these calls fill up my voicemail. I do n't carry a single debt and need these annoying interruptive calls to stop!