WillisBack/dataset-financial-user-claim huggingface dataset:
Basically, I understand I must pay this but even by the hospital 's standards the room charge was high. I'd lagged so long on resolving this matter, life and personal reasons got in the way, that supposedly the hospital could do nothing to work with me on reducing the amount. That in itself sounds fishy to me, what hospital doesn't want payment. It seems as though they profit from sending it to collections. I called up the CMRE agency this account now pertains to and supposedly wouldn't negotiate with me about a reduction in total due if I were to pay it all off. Again, way to fishy. I'd just negotiated with another agency and got a 80 % reduction if I paid it all off that was {$7000.00}. I guess I'm flying blind on this whole matter but meanwhile keep calling.
XXXX client, XXXX XXXX is a victim of identity theft. She received an XXXX credit report and was notified of an inquiry made into her credit file 4XX/XX/XXXX by Capital One/XXXX XXXX ; this was done without her consent. An official dispute of this was mailed to that office XX/XX/XXXX ; however that office failed to follow FCRA guidelines and investigate the inquiry any further. As of this date the inquiry still remains on my clients credit report. This action is a violation of FCRA.
The investigation of my discharged bankruptcy and unauthorized inquiries by the credit bureaus have been extended for more than 45 days. No validation from the credit bureaus or validation from the companies that the credit bureaus gave access (to my credit file XXXX ***********) has been given in writing. No validation of Debts has been given at all XXXX. BY law You MUST delete the discharged bankruptcy and all accounts in the discharged bankruptcy and ALL the unauthorized inquiries ASAP
On XX/XX/19 I contacted PayPal Inc. about removing limitations from my account. The agent responded by closing my account deeming me as too risky of a seller on XXXX. I provided PayPal Inc. with purchase receipts, tracking information, and everything to verify my identity but they continued to close my account. I currently have a PayPal Balance of over {$6000.00} USD that I am unable to touch for 180 days until PayPal Inc releases my funds. This is unacceptable
This company has called me over 20 times leaving messages that my social security is linked to an account and all my employers will be notified and will collect from them. I filed bankruptcy 2 years ago. The women stated my old account and I told her it was wrong. immediately she snapped back and said " what 's wrong ''. I asked the year of the account and she was rude and interrupting me. and said well I have your social security number so good luck to you. I called back to speak to a manager and the same women immediately picked up and said " you ai n't wasting anybody 's time ''. I called back from a different number to get a manager and a male picked up. I tried to probe for information so I asked for a mailing address to make a payment. He asked for my phone number, I told him that my phone number was n't linked to that account. he then asked for my SS and I told him I 'd rather not give it over the phone. I asked him to search me by name. he found my " account '' and I asked him what year it was from. All of the sudden the phone and the systems were down. I told him that I filed for bankruptcy and that they needed to stop calling. He said " you were lying then! '' you know what bye.
Jacob Law Group, of XXXX, MS., has sued me in Justice court of XXXX, XXXX, MS. for a credit card bill. I have a court date. They have done all of this although I am legally XXXX and they and the county I live in know it.
I was refused a job because of in accurate information put in a background check that was ran on me. It states that i was convicted of a felony when i was not convicted of a felony it was dropped to a misdemeanor. I want this fixed or removed from my background checks immediately and a letter written to the place i am wanting to be hired at stating that a mistake was made and issue resolved. Pleaser and thank you
My son attended XXXX College in XXXX XXXX from XX/XX/XXXX up to its closure XX/XX/XXXX. I co-signed with him on a XXXX Education Loan. The XXXX Loan has been transferred to the University Accounting Service, LLC. The outstanding amount is about {$9000.00}. My son did not finish his studies at XXXX College and we believe XXXX and XXXX misrepresented their academic programs by coercing my son into applying for federal and private loans, and false promises of lucrative employment after graduation.
This complaint is regarding my PNC Bank Credit card. I currently have 3 promotions on this account. # 1. 0 % on purchases - endingXX/XX/XXXX. Current balance {$3200.00} # 2. 0 % Balance transfer - ending on XX/XX/XXXX. Current balance {$1500.00}. # 3. 0 % Balance transfer - ending XX/XX/XXXX. Current balance {$1200.00}.

I have been making payments well over the minimum balance due each month since I applied for the 0 % promotion on purchases onXX/XX/XXXX. I didn't check my monthly statements carefully until last month when I noticed that none of my payments were being applied to the promotion ending in XX/XX/XXXX. I contacted PNC bank and they told me it was their practice to apply payments to the balance transfer promotions before applying them to the purchase promotions. I asked if I could direct my payments to go to the purchase promotion. I was told, in uncertain terms, THAT I COULD NOT! I spoke to line representatives, their supervisors and finally XXXX XXXX XXXX of the Escalation Department. I searched the 1 page " Terms and Agreements '' that is included each month with my statement and could not find this policy. XXXX, today, referenced the 6 page " Terms and Agreements '' that came when my card was Issues. It does not state that policy! It says, in section 3.5 " How we apply your payments : Application of your payments is at our discretion, and generally that means that we will apply your payments to balances with lower APR 's before balances with higher APR 's. However, any amounts you pay in excess of your minimun payment due will be allocated to balances with higher APR 's before balances with lower APR 's. '' By this token, it would seem to me that any amount I pay in excess of minimum payment due would go to the promotion that is ending soonest!!! I asked if I were to pay the entire amount due on the purchases, would that be satisfactory, She said " NO. You would have pay all three promotions in full in order not to be charged the default interest rate on 12.24 % on the balance ''. I find this extremely unfair! I would like to pay off my purchase promotion before it expires, but can not do so without first paying 2 other promotions. I was never informed of this and it certainly was not made clear in the Bank 's Terms and Conditions. I am hoping you can help me resolve this issue. Thank you!
I have asked Enhanced Recovery to validate a collection they are reporting on my credit reports from XXXX/XXXX/16 to XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
A balance from  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  credit card debt was sold to Portfolio Recovery Associates. There was no debt validation provided from Portfolio Recovery Assoc.The  balance was paid off to the collection agency although there was no signed contract with the company. I was told by the agency that the collection inquiry would be removed from my credit score once  debt was paid.   Has reached out to company several times about this promise and Portfolio Recovery Assoc. has failed to remove the closed account from credit.
Turned in Honda at end of lease. Honda did not ask for any payment/ turn in fee nor notify me that any payment would be due. XX/XX/XXXX, I receive this " Lease End Statement Details '' letter which states " per your request ... ''. I did not request a lease end statement details report, so I set the letter aside and did not take action. Because I did not request any such letter ( unlike it stated ) I assumed it was a fraudulent document, as it did not look official and did not include a payment slip or envelope. The letter stated there was an amount of {$360.00} due. If there was an amount I did owe, I expected the Honda dealer to collect the payment from me at the time I turned in the car, or send me a bill that looked similar to all my lease payment statements, that I could then pay. I never received any additional correspondence or Bills from Honda. I notice my credit score dropped dramatically and after requesting my credit report, see that Honda had sent this outstanding balance to collections. Aside from the attached letter, I did not receive any formal bill or notification that I owed this turn in fee. I am more than willing to pay anything I owe, but expect to receive a statement with bill pay slip. I will be calling Honda tomorrow, XX/XX/XXXX.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due   XXXX  ,   XXXX  ,  XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Complaint XXXX Company responded Status Company responded on XXXX/2017Response TypeClosed with explanation Company 's Response Upon receiving your correspondence, we immeidately reached out to XXXX XXXX, Default Executive Response Specialist for assistance. XXXX XXXX attempted to reach you several times without success ; therefore, we are closing our case. 

THIS IS TYPICAL Citi answer I have called the phone number of XXXX XXXX my time and the office was closed ... Ive sent a number of emails NONE have been answered
I found a collection account on my credit report from the company ERC as of XX/XX/XXXX. I do not have any debt to this company. I disputed through credit bureau unsuccessfully on XX/XX/XXXX. I do not know why I am getting charge this for {$1900.00}. I didn't not receive any notice nor do I have any proof provide to me that this is a valid debt. now this is jeopardizing my credit.
I let my subscription to XXXX XXXX newspaper lapse and did not renew.This was after many complaints about missed newspapers or late delivery and no corrective action.XXXX  XXXX unlawfully sent my account into collection to `ARM Solutions Inc.To protect my credit I was forced to pay an amount of {$98.00} to ARM Solutions on XXXX XXXX XXXX,
I have notified experian several times over the past year about accounts that are not mine however they keep saying they are my accounts and refuse to remove them.
Account has been paid In full and continues to report and did not delete in return for payment as I asked in return after I payed. XXXX XXXX in account XXXX
2 unauthorized transactions were made from my Bank of America online account through a feature called XXXX that were not of my doing or anyone that I know. 

2 Transactions : XX/XX/2018 Transfer of {$1000.00} XX/XX/2018 Transfer of {$1500.00} These transactions were not authorized and money was being sent ( deducted from my checking account ) to a person/entity that I have no information on. The number it was sent to is a anonymous free phone number made up. 

Claim # : XXXX was closed on XX/XX/2018 and was not resolved in my favor. I lost {$2500.00} due to fraud and Bank of America gave me no other detail in the resolution letter other than the fact that these transactions were " authorized '' to which they were not. They said if I shared user id/password info with anyone to get into my account that these were valid. I did not share any log in details with any one.
I guess the sales person was so positive in getting me to take the loan, I ignorantly did n't read the fine print of the XXXX. Of course they told me they were moving to these things called " Flex Loans '' due to possible future legislation over payday loans. Well having XXXX ( I have XXXX XXXX insurance policies that are about good for nothing I 've learned ), I needed money fast because many dentists now expect payment up front and will send you any insurance reimbursements that come through after the work is done. 

I 'm a somewhat typical American living on {$23000.00} a year at age XXXX after a XXXX put me out of a XXXX a year job for 9 years and now nobody wants someone that long out of work and at my now obvious age. 

Anyway, I took the loan to help pay for the dental repair, but by the XXXX statement, I was in for a shock. This company, CashNetUSA sends a monthly statement, wherein, for example, the statement last month showed the principle owed on this {$800.00} loan was NOT listed ( except as a total so far for all payments made ), the interest due for this month was listed as {$13.00} ( HOW do they arrive at that when also claiming on this statement the annual interest rate is 275.85 % ), and then there is the monthly ( what they call ) " loan fee '' which for the month in question amounted to an additional {$140.00}. What in the world is a " loan fee? '' Just a fancy name for the rest of the interest they charge? 

The total monthly amount due was {$190.00}. Now this " loan fee '' thing is indeed a monthly charge. What exactly is it? Also, it seems the more I try to pay off what I owe, the deeper in the hole ( a little at a time ) I seem to be getting. 

What is this " wonderful '' new alternatative to payday loans except a way to avoid upcoming legislation regarding the way pay day loans loach people deeper and deeper into poverty, AND a new trick loan idea for the seriously underpaid of the " new economy. '' You know, the one where if we pay the super rich more, they 'll turn around and " share the wealth '' with us. Ever known a Republican willing to " share the wealth? '' Me either. 

Is what they are doing legal? Is the way they are doing it legal? This " Flex Loan '' thing seems to be growing like a cancer but on my wages, with my bill and family responsibilities, get a standard consumer loan? Forget it. 

Thanks for any help
I have a mortgage with XXXX ( XXXX XXXX XXXX ). I wanted to pay on line so they transferred me to Western Union Speed Pay on the web. I put in all my information, and submitted it. After that, I realized that I may have left off a digit in the bank routing code, but there was no way I could tell as the pop-up screen was gone. I would like Western Union Speed Pay to send a confirmation or problem report to the email address I provide, it would make life simpler.
When I first signed my student loans, all were under XXXX XXXX. I was told by my college, XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX, that I would need several more loans to in order to graduate. I did not qualify for another federal loan, so it was recommended that I apply for a private loan. That was in 2009. Once I graduated and began making payments, I was told by XXXX XXXX that all of my loans qualified for Public Service forgiveness if I remained in a public service job for 10 years and made 120 on time payments during that time. I also applied for income based repayments ; I make FAR LESS than what the Department of Education thinks I do. For some reason they have decided to make their income based repayment plans based on what someone makes BEFORE taxes ; not after. I honestly do n't know how the people that work there can sleep soundly at night after making this decision. but I make the payments. I have been on this plan for three years. Each year I reapply for my income based repayment plans. Under XXXX XXXX this was not a problem. My loans have now switched over to Navient my problems have gone from bad to worse. They have decided to inform me that my private loans do not qualify for public service forgiveness, nor do they qualify for income based repayment. After THREE YEARS of being told otherwise. I make {$1600.00} a month after taxes. Navient takes around {$560.00} ( both private and Federal loans ) of that. that 's XXXX % of my monthly income. I 'm XXXX years old and have to live in my parent 's basement. I make more than what I ever have, and yet I still live from paycheck to paycheck. It 's humiliating and degrading. The one hope I had, The public service forgiveness program, has now been ripped away from me. It is unfair of the Department of Education and of Navient to demand such unreasonable repayments. I have all the desire in the world to get these paid and yet no one is willing to work with me so I can regain my dignity and actually feel like an adult while making these payments. If this continues, I will continue to be stuck in the same situation I currently am in.
On XX/XX/XXXX XXXX XXXX made phone calls to individuals not associated with my credit account. XXXX  had called my phone number for which they had permission on Thursday XX/XX/XXXX. The person that left the message identified themselves as Specialist XXXX ( could not clearly hear name after specialist ). In the message they threatened to escalate to the next step. Unsure of what their intentions were at this point I considered reaching out to an attorney but could not afford to at this time. Then on the morning of XX/XX/XXXX XXXX called several people ( they identified 5 phone numbers when I called them back ) and informed them that they were a debt collector for XXXX XXXX and they needed to speak with me immediately. When my mother-in-law asked how they had her number, XXXX XXXX informed my mother-in-law that I had used her as a reference when I got the account and that is why they were contacting her. I originally opened this account with XXXX XXXX who transferred the account to XXXX. The account was open for many years before I even met my wife so their statement that my mother in law was a reference is just not true. This damaged the relationship with my in laws because they now believe I used them to obtain credit without their approval. My mother in law called my wife immediately to inform her of the call. While on the phone my wife received a call from XXXX  as well. They informed her that they were XXXX XXXX looking for me to collect on a debt. Immediately afterwards, I called XXXX and settled and closed the account. During my conversation I asked why they had contacted other people regarding this debt, they stated that they were listed references on the account. I asked what numbers they had listed, while they would not give me full numbers or any details as to who they contacted and when, they did give me the final 4 digits of each number they had. Four of the five sets of digits they gave me I never provided and only 2 of the 5 sets I was familiar with. I asked XXXX to remove those numbers from the account and informed them that I would be filing a complaint.
XXXX XXXX is stating that I was given a Loan of some sort. I have advised them on multiple disputes that this loan was a result of identity theft. They have refused to remove it from my credit report
Greetings, For the past two years or so, I have been going back and fourth with XXXX because they refused to remove two negative accounts on my credit report. The accounts are showing charged off. I spoke to both credit card companies and they told me it's up to the credit bureau to remove the accounts. My mother just passed on XX/XX/2018. I do not have a job at the moment. The credit card companies understood this because they saw I was making payments on time before the company I worked for went out of business. Since then, I have not been able to cope with this lost. After that, it was unfortunate events after another. These accounts are not only a weight over my shoulders but these are blocking me from moving forward or even have a new start. Keeping this on my credit report is some sort of punishment. I have been punish enough so please help me get these solve. 

According to the fair credit act, the statute of litigation on debt in XXXX is 3 yrs. and 5 yrs in XXXX. These two accounts are too old to be on my credit report. They are going with the statute of litigation in XXXX. However, I didn't have a verbal agreement with any company in XXXX. The verbal agreements I had was with two companies one located in XXXX and the other in XXXX. On top of that, there so many errors that they refused to fix. XXXX had different stories every time I called them. A month and half ago I called them because they sent me a letter stated the accounts were deleted. I looked at my accounts and it was still showing. The agent I spoke to, she told me she wasn't able to see the accounts on her end. But I was able to see them on my end. I have proof of the letter they sent me stated the account was deleted. They continues to lie every time I called. Please help me with this matter. Thank you! 

XXXX XXXX
Hi, I purchased bitcoins from a website coinbase.com. The purchased bitcoins are supposed to be available four business days after purchase. I made a purchase on XXXX/XXXX/2015. It has been four business days and the bitcoins are not available to me. Further, the money has been deducted from my bank account for over two days as of this writing. ( Their justification for the 4 day delay is the transfer time from my bank account )
I have a XXXX XXXX credit card that is not showing on my credit report. This is effecting my credit score negatively. I have spoken to Equifax, XXXX, XXXX, and XXXX XXXX via their customer service teams but they will not help.
Left a voicemail for me to return their call and reference a case number in regards to my sister. Upon researching the number discovered its a debt collection agency, which they did not disclose in the voicemail. Says it is GC Services.
Citizens Bank has refused to transfer an investment account to another bank. They have put XXXX XXXX blocks, denied access, and altered documents to prevent me from withdrawing an investment account. They have igned my numerous requests and correspondence. I am XXXX for my uncle, and they refuse to acknowledge my authority to handle his account. They purposefully altered a notorized document to prevent me from making a transfer.
4 yrs ago I got divorced and my former wife left our condo and all contents to me, according to the decree. After contacting my mortgage company about not being able to pay my mortgage on time, they worked with me and allowed me to do a loan modification, which essentially cut my payment in half. To this day my former wife is on the mortgage. The lender, US Bank, never alerted me of a form with which to remove my former wife, known as an assumption. During the process I informed US Bank of my situation repeatedly but for some reason they did n't lead me down the road of the assumption paperwork. Now here I am 3.5 yrs later and they want me to submit financial documents as if I am applying for a loan for the first time, which of course is what I did 4 yrs ago. At that time my financials were the only ones submitted. I have been paying off the mortgage on my own, of course. I strongly believe that this all should have been taken care of 3.5 yrs ago. I believe that they are going to try and charge me 1 % of my principal balance ... .Can you help me to understand this issue because it sure seems like US Bank is in the wrong here? All I am trying to do is have my former wife taken off the mortgage ... ..