WillisBack/dataset-financial-user-claim huggingface dataset:
Due to financial hardship I was unable to keep up with monthly payments on my Synchrony/CareCredit account, which was in excess of {$3000.00}. At XXXX point about XXXX months ago they offered to settle it for a fraction of the balance but I told them I intended to pay the full debt but needed more time. I then began receiving threats to charge off the account, to which I told their representative on the phone that I did not want it charged off but needed more time to be able to start payments again. That person said they would note it on the account. 

I now come to find out that this shady company went ahead and charged my account off anyway, thereby breaking their word and damaging my credit rating. They are refusing to to take it off chargeoff status until it is paid in full. 

I acted to me detriment based on false assurances from this company 's representatives. What I want is to have the full account restored and this damaging information removed from my account. 

I AM NOT A XXXX!!!!!! I am a hard-working XXXX who, like millions of others, have been suffering under the current draconian economic climate. Synchrony/CareCredit is proving itself to be a predatory lender.
They continue to call and hang up on my cell phone XXXX the number I listed above ). I do not owe anyone any money and have an excellent credit rating in the high 700 's. It is harassment.
Was never informed of XXXX loans going into repayment status and was told my representative that issue was going to be resolved. Never was now fighting to get off credit report because loans were transferred to another association.
We have automatic payments that come out of our XXXX to pay a Bank of America credit card monthly. We recently sold a home and decided to pay off the Bank of America credit card, not with our XXXX account, but with another account XXXX. We went online, changed the bank to XXXX and submitted the payment. This was on XXXX XXXX. The next day our XXXX account was debited for {$11000.00}. This left us {$11000.00} overdrawn since we only had {$300.00} in that account. We called Bank of America and explained the situation, they could not say why the funds were taken from the wrong account. They cancelled the payment and told us it would take from 2-9 business days for them to return the funds. Nothing was or is overdue, our account was up to date. We then called XXXX to explain the situation, they were willing to wait for Bank of America to return the funds. Luckily Bank of America returned the funds ( XXXX ) the next day on XXXX XXXX along with the {$40.00} fee for NSF. We thought the problem was taken care of. On XXXX XXXX they resubmitted the debit to XXXX for XXXX. Their reasoning was that their system is automated and automatically would try to retrieve a prior payment with NSF. However XXXX paid the charge the first time so it was n't as though the system would recognize it as not paid. Today is XXXX XXXX, there have been 3 phone calls and countless hours. They promise that they will return the funds to our XXXX account within 2-6 days. We had to call XXXX again and repeat the same process. They have sent us a complaint form which we will fill out this evening.
XX/XX/2019. I sent {$200.00} through Chase Quick Pay with XXXX to purchase two tickets to a XXXX XXXX game from a seller on a XXXX XXXX XXXX tickets page. The seller never transferred the tickets through XXXX as they said they would and subsequently deleted their XXXX account. I immediately contacted Chase, who states they can not return the payment or stop it even though its still pending. They also stated they cant tell where exactly the money has gone in this instant transfer.
On  XXXX ,  XXXX , I received a claim demand from Register of Wills for {$1900.00} from   XXXX   XXXX   XXXX   XXXX  . The alleged debt of {$1900.00} was a  JC Penney MasterCard a ccount owed to Synchrony bank. I contacted a representative (  XXXX   XXXX  ) of   XXXX   XXXX   XXXX   XXXX   who stated she could not dis cuss the JC Penney MasterCard  of  XXXX   XXXX   XXXX   XXXX  with me because  XXXX   XXXX  was the executor of her estate. I explained to the representative that I was co-administrator of  XXXX   XXXX   XXXX   XXXX  's estate. The representative refused to discuss t he JC Penney MasterCard  account with me until she received permission from the executor.  XXXX   XXXX  told the representative no, until I told the representative to tell  XXXX   XXXX  I had just received a claim demand from Register of Wills with listed as co-administrator.     I rejected the claim of  XXXX  from  XXXX   XXXX   XXXX   XXXX  because  XXXX   XXXX   XXXX   XXXX  had suffered from  XXXX  for several years, and survived Multiple   XXXX   for 18 years. My mother 's death certificate stated her primary cause of death was   XXXX   XXXX   and   XXXX   XXXX  . Her primary caretakers (  XXXX   XXXX  and  XXXX   XXXX  neglected her basis medical care until she changed her will.     I requested the  Synchrony Bank-JC Penney MasterCard  provide me with the original signed cardholder agreement and all credit receipts since the account was opened in  XXXX , when my mother was  XXXX   XXXX   XXXX  and di not qualify for credit life insurance.      XXXX   XXXX   XXXX  several unauthorized cash transactions of  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  account after her death on  XXXX ,  XXXX   XXXX .  XXXX   XXXX  or  XXXX   XXXX  never had official Power of Attorney for  XXXX   XXXX   XXXX   XXXX . Consequently, if  XXXX   XXXX  or  XXXX   XXXX  signed any or all credit receipts using  XXXX   XXXX   XXXX   XXXX  's name, then their acti ons constitute credit card fraud and identity theft which is illegal under Federal and State bankin g laws.
Within the past month ERC has reported an XXXX XXXX XXXX bill to the bureaus, which has in turn been added as a collection account to my credit files. 

I do not have an XXXX XXXX XXXX account nor do I have an account nor contract with ERC. When ERC sent notice of such alledged debt I requested debt validation. They could not provide appropriate debt validation showing how I owe them for said debt, nor by producing any contract bearing my signature binding me to said debt. A bill from XXXX XXXX XXXX with my name on it does not fit requirements outlined by laws and regulations established via the FCRA. The alledged debt does not belong to me. 

This debt has previously been disputed and successfully removed from my report and reinserted by ERC who can not validate the debt as outlined by regulations of the FCRA. 

ERC must immediately cease and desist all collection activities and request removal of the non validated debt from my credit file with each Bureau they has falsely reported it to in order to prevent litagation to the highest extent possible!
I have a medical debt from 2014 that was paid through the doctors office. The original occured because of an insurance issues that took a few weeks to be fixed. The debt was sent over to kansas counselors and never placed on my credit until 4 years ago. my wife and I have tried to reach out to Kansas Counselors, we don't get any type of information regarding the debt, except the basics. When I asked questions regarding the reporting or why this is now being collected on. Each collector informs me that I need to speak with a superivor. They are never available. I have left over 7 messages and nothing.
I need you do something this company is stolen my money I resquest to them a file a dispute against a company and they just transfer me over and over without result after days trying to do this ; a agent with really bad attitude answered the call and place the issues on top of that after contact them, I call a month after and they just transfer again my calls and they just said I have to wait!!! this is incredible I 'm still waiting without results and this company just stole money from people
I mistaking overlayed my truck payment on XX/XX/2018 causing it to be played off. I normally make my payment every month the same way with the same application. However after processing the payment I realized it played XXXX on the truck. I immediately called to stop payment but the bank told me they were not able to. The banker claimed she applied a request to reverse the payment. I called the bank every day to verify the process was going smoothly and every banker I spoke to has a different story. This morning a banker claims the loan account is closed and there original request for reversal was denied by the bank on Monday. I tried reaching out to my branch but the women in there claim the manager will call me back but do nothing.
Good afternoon. 
I went into the Wells Fargo Bank Branch in XXXX AZ to withdraw {$800.00} on XXXX XXXX, 2015. When I went to get a printed statement I saw that there was a withdraw for {$1800.00}, something that I do n't recall doing so. So of course I went to the teller to get further information and all they said was that their balances were not out of balance and that they were going to submit paper work to try to get the security cameras looked at the time the teller was counting off the money. So, I got the run around and just on XXXX XXXX there was a voicemail from a woman named, XXXX. She said that the cameras are not there to focus on the money being counted just on the security of the staff. I 'm not satisfied with this answer. I never withdrew {$1800.00}. I want them to physically show me through video that they actually gave me that amount of money. Their balances are not sufficient proof for me to be content with their answer. Please help!
Dear Madam or Sir, I find I had by cheated, I want compliant Bank of America mortgage department. My refinance loan number is XXXX. I request BOA refund my prepaid appraisal fee {$470.00}. 

When I found my refinance loans amount having {$870.00} different, I want cancelled my case, I told with mortgage loan officer ( XXXX XXXX XXXX ) of BOA for the loan amount I want cancel my case, but after she agree the loan amount is {$220000.00} at XXXX XXXX, 2016, so next day I went to BOA office sign IRS documents. Then XXXX following processed the next step call appraisal schedule to my house value. When I received the BOA report found the loan amount did n't correction for change. 
After the house appraiser value of my house, I got the house value was {$540000.00} over 50 % for my loan amount, but XXXX called me I need replacement for my fences, I think it is unreasonable request, it is hard to accept, because the old fence has been deducted value from the total value of the house. 
I thought about my case, if the loan officer did n't agree my loan amount she can made the case cancel when I request, no need the house appraisers take my house value, so I no need pay the appraisal fee. Then she conduct the appraiser for my house after then picky on my house made more request of my house, after that I cancelled my case. 
When I complain with XXXX XXXX XXXX and BOA services survey, never got any respond. 
I felt very uncomfortable and unfair, the BOA give to me unreasonable request. So I request BOA refund my prepaid fee {$470.00}. 
I want get government help for my case. Thank you so much. 


sincerely yours, House Owner : XXXX XXXX XXXX Email : XXXXXXXXXXXX Cell : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX My refinance loan number is XXXX
Made a purchase for {$28.00} at XXXX using a Sears Citibank credit card. Had not received a bill of any type till I got a letter saying I was overdue. They charged me {$60.00} late fee on a {$28.00} bill that was less than XXXX days old.
I previously filed a complaint onXX/XX/XXXX with this agency and an OCR complaint due to the company violating HIPPA. This original complaint was filed because on XX/XX/XXXX XXXX XXXX XXXX XXXX sent documentation of financial agreement form from the original creditor, which states a financial agreement between me and the hospital and an itemized billing statement with procedure codes and diagnosis information. After thoroughly reading the financial agreement section, it does not say anything about the hospital sending billing information or PHI to a third-party collector. I have never signed a HIPPA release form that stated they could have my PHI in the form of procedures, procedure codes and ultimately diagnosis information to any person or third-party collection agency. I have also never submitted a HIPPA form to XXXX XXXX XXXX XXXX XXXX  . I asked for validation of the debt, which did not require them to violate HIPPA and does not act as a HIPPA release form.

The company responded that their attorney stated they could have access to procedures and personal health information in order to collect a medical debt under the HIPAA " Treatment, Payment, and Health Care Operations Disclosures ''. Although after looking at this provision myself it does not say that a hospital or doctor 's office may send PHI to a third-party collector only to another covered health care entity or with expressed written permission from the patient. The HHS.gov website states, a covered entity may provide information without patient consent under the following circumstance, " A health care provider may disclose protected health information about an individual as part of a claim for payment to a health plan. '' XXXX XXXX XXXX is not a covered entity or a health plan under the definition of HHS. gov. So they never had permission either from me or through the statue that they claimed in their first response.

After submitting my claim to this agency as well as HHS.gov 's OCR division, I also filed a complaint with the State of Texas, because it seems that Global Receivables is not bonded in the State of Texas as a debt collector according to the Secretary of State 's website.
Had a loan with   XXXX   and it was sold to  Bayview Loan Servicing . My final payment with  XXXX  was drafted on n    X/XX/2017 . I d id receive notice that Bayview would take over the loan. That is when things became a problem. I never authorized Bayview to do an electronic draft from my checking account. My final electronic check from  XXXX  on   X/XX/2017   indicates authorized by your depositor and the unauthorize draft from  Bayview in dicates authorized by drawer.     This would not have been a problem if Bayview would have informed me that they intended to use same drafting information from  XXXX . Trying to keep my good payment history I went into Bayviews website on  XXXX   XXXX ,  2017 a nd submitted an electronic payment for my first and worse payment experience with Bayview. Not until after the payment was submitted did I realize that the electronic payment from  XXXX  may move and this could cause my good deed to turn into a nightmare.     On Monday,  XXXX   XXXX ,  2017 I cont act Bayview and enquired about the payment. The agent instructed me to stop the payment at my bank. The same day went my bank and was told that the transfer is immediate and can not be reversed.   XXXX   on the same day contacted  Bayview  again and was told 21 days to get a refund. Told the agent that was not acceptable and placed in escalation. Was instructed by escalation department to fax the documents showing double payment and they would overnight my refund check.     The items did not show up on my account until   X/X/17     on the same day returned the fax with all the requested documents and even call. Was told then that my check should be in before Friday. Friday came no check in the mail. Call again on   X/X/17     and was told the check was processed and should have it soon.   X/XX/17   still no check.     Making two payment has created an extreme hardship on me and my family not to mention getting the run around from Bayview.     Surely something is wrong with this picture. I need help.     Thanks
I received a letter from ALLY Financial regarding an auto lease that I am currently in. They are threatening legal action on an account that is not behind in it 's payments. They are trying to collect " late '' fees that have been erroronously charged to my account because I pay my payments bi-monthly. I have spoken to them NUMEROUS times regarding the fees that they are charging me and each time I speak to them they assure me that they are going to reverse the fees, and they still have not. It 's been two years now. I have approximately XXXX payments left on my lease, and they have just sent a letter titled " Notice of Right to Cure Default '' threatening LEGAL action if I do n't pay the random amount of {$1300.00} they have noted on the letter. When I sign on to my on-line account with them this figure is n't listed anywhere, and also shows that my account is CURRENT in payments. This letter alos threatens that if I do not pay this random amount they have on this letter that I wo n't be able to continue my lease with them. Again, My lease will be complete XXXX XXXX. I spoke to an individual this morning by the name of XXXX that told me it 's " nothing personal '' and because of the state I live in they had to send the letter because my account was 60 days late????? Again, my account is NOT 60 days late, never has been and reflects that on my on-line account. This is just another example of predatory lenders that prey on individuals by charging inappropriate fees and lack in Customer Service.
I set up an open line of credit with Wells Fargo in XX/XX/XXXX. After paying off the debt I called to close the account. I was informed that I could keep the account open with no penalty, hesitantly I decided to do so. In XX/XX/XXXX I began receiving notices of statements via email. I contacted Wells Fargo and closed the account. Or so I thought, I received yet another notice which indicated to me that the account had NOT been closed. I contacted them and found out that not only had it not been closed, but that I would have to pay {$120.00} fee for having it open ( {$25.00} annual fee ). I paid them. I was then told that I could not close my account for another day for the payment to post. Then I was told that due to a weird way that they had to process the payment it would instead be a week. So not only am I paying fees, I was told I would not pay, I am also getting the run around on closing the account.
I have received repeated phone calls from XXXX XXXX concerning a debt owed by another person, same name each time. Each time I have told them that they have the wrong number and each time I am told they will mark their records accordingly and that I would get no more calls. Received another call this morning XXXX/XXXX/XXXX at XXXX XXXX from XXXX. When I tried to explain the situation and told him that I was going to file a report, he hung up.
Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. 

Somehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. 

Since I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much.
After my mortgage had been changed over to Wachovia Mortgage from XXXX XXXX, it went into foreclosure in late XXXX ( Wells Fargo was the new owner at that time ). Wells Fargo being the new owner and in XXXX, while Wachovia no longer existed Wells Fargo went ahead and foreclosed on my, XXXX XXXX # XXXX, XXXX, CA., home. 
I was under the impression that the transaction between Wachovia and Wells Fargo had made them one -- I could refer to the Wachovia foreclosure and there would be the new current owner responsiibility. However, it turned out to be like chasing a ghost -- Wachovia no longer existed therefore I had no recourse. 
I submitted claim to the National Foreclosure Settlement because Wells Fargo Morgage was part of the settlement but XXXX said I would not be eligible for compensation as they could not find that my foreclosure was recognized as part of the settlement. I decided to call XXXX in XXXX XXXX regarding the ineligibility and the representative said I have your foreclosure paperwork in front of me and it makes no reference to Wells Fargo Mortgage therefore making me ineligible for compensation. 
After that conversation with XXXX, I realized why effort to look into this foreclosure there was no response. I found it hard to believe that Wells Fargo could get away with an underhanded move and get away with it. I know that Mortgage companies can sell and banks and take over on their dealings however I think, in this case, it was deliberate to use Wachovia 's name in the foreclosure as opposed to using their own name -- in order to avoid responsibility. 
Since Wachovia, owner of my property, no longer existed at the time of foreclosure, is it an illegal foreclosure? 
Foreclosure came about after many attempts to work with Wachovia i.e., short sale, transfer of title, modification, etc. and after paying outrageous early payment fees when I had refinanced. The pick a payment plan that I had while I was with Wachovia was a set up for failure from the very beginning. I lost all of my down payment and years of trying to work out a good situation between me and Wachovia.
In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.
On XXXX XXXX, 2017 I discovered XXXX XXXX XXXX re-inserted 2 negative credit items into my Equifax credit file. Equifax failed to notify me as required with 5 days of re-inserting 2 previously deleted items. I did not receive any such notification.