WillisBack/dataset-financial-user-claim huggingface dataset:
it is a  XXXX   bill that I d ropped off the equipment years ago to their office the lady said her computer was down could provide a receipt and now I am getting collection calls from this company of which I gave  XXXX  a  one  month notice that I was canceling my services and now my  credit score is d amamged because of this fake bill and collections threats from afni collection company docket number #  XXXX  please help and have them remove the fake collections on personal info, it is unfair to the consumer these people are allowed to do this without any documentation from  XXXX  ..cable company
I had a pay day loan due on Friday, XX/XX/XXXX 2019. I was unable to appear in store as I had to work late that evening but as soon as I was off work ; I paid my loan payment online with my debit card. I have a receipt showing my payment of {$560.00}. Per Advance America because the payment was paid " after business hours '' this morning ( the next business day ) my check was cashed ( XX/XX/XXXX19 ) resulting in my bank account being overdrawn. I have several scheduled payments that I will now not be able to make because of this issue. I have spoken with five different customer service representatives that have just passed on the issue. I will now have a reconnect fee for my cell phone being turned off due to Advance America 's negligence and inability to correct the issue promptly. I was told that this will take at least two to  three business days to resolve. If the money can be taken from my account in an instant ; I can't understand why it isn't put back.
Chase bank opened an escrow account to pay for alleged delinquent property taxes. After confirming with my local tax office that all property taxes were indeed current and there were no issues, I let Chase know. Chase insisted the information they obtained indicated my property taxes were delinquent and that they would not release me from financial responsibility until the money was sent back to them. A confirmation letter was sent to Chase to show all property taxes had been paid, before they were due, but rejected the letter. The Chase representative could not answer why the letter was rejected. This error has resulted in my mortgage payment being almost doubled and has created a great hardship for my household. I have XXXX children under the age of XXXX and my husband 's salary is our only source of income.
I went to the emergency room XXXX XXXX XXXX XXXX XXXX in XXXX, NY on XXXX/XXXX/14. I keep getting notices and phone calls from a company called XXXX XXXX XXXX, XXXX telling me to pay a bill for {$400.00}. My explanation of benefits from XXXX XXXX shows member responsibility as {$0.00}. I sent the EOB to them XXXX and it has had not effect. They have now referred me to a collection agency called Professional Claims Bureau , Inc . I have attached all relevant documents. Please help.
Green Tree Servicing LLC has been charge me for PMI insurance months after months, although my principal balance felt below 80 % of the original loan. Not 20 %, My principal balance felt 80 %, Green Tree Still Charge me for PMI. I made many requests to Green Tree to drop my PMI. Green Tree Refused to accept my appraisal. Green Tree told me it needs my authorization for an appraisal, I told Green Tree, it does n't need my authorization, if am paying for the appraisal fee, I should choose my own appraiser. I asked Green Tree Why I can not choose my own appraiser? I did not get a response back. And it still charge me PMI fee every month.
Discover notified me last year that it had discovered fraudulent activity on my card, although it did not tell me how or where my card was used. I checked my bill and noticed a {$95.00} charge at a local XXXX from XX/XX/2018. I did not make that charge, I did not lend my card to anyone and had not lost my card. So I disputed the charge. Discover issued a credit and the incident went out of my mind. 

I received a replacement card, which I barely used, and then lost. I immediately requested a replacement which I received this week. I also noticed a {$95.00} charge on my account which had no detail, which I could not dispute, and which I did not recognize. I contacted Discover immediately. I received exceedingly poor customer service but no explanation so asked for someone to contact me. 

Today, I received a letter stating that the charge was deemed valid, which it is not. I also did not receive any inquiry from Discover about what happened. Evidently, Discover took the last many months to conduct a one-sided review in which it contacted the merchant which provided the date and time of the transaction, but no other information- no purported signature or other way of validating my identity. 

Discover did provide the date and time of the transaction- a date and time when I was at work, 20 miles away at work in a meeting, according to my work schedule. And this was for more than 30 gallons of unleaded gas. My gas tank is holds less than 14 gallon, and I use premium, not unleaded gas. This is not my transaction. But Discover has taken months to render a decision against me ( and remember, Discover identified me to me as a potential victim of fraud right around this time ) and has not provided anyone for me to speak with to provide my evidence refuting this fraudulent transaction.
I fell on some hard times and XXXX of my private loans went into default. About a year ago I made an agreement with the company to pay them x amount of dollars a month, keep in mind this sum does not include other student loans that I have. I have made that monthly payment on time for a year now. I recently called the company asking them what I could do in order to consolidate or get out default with these loans. The company 's response was " There is nothing we can do until the loan is full paid off ''. Keep in mind these XXXX loans range from XXXX-XXXX. I make approximately XXXX a year, so how on earth am I ever going to repay these loans with interest accruing and them tacking on late fees each month?!?! I want to work with them, I want to help them regain their money and me feel like I have a repayment plan that is working, not one that I feel it 's hindering both parties. I am willing to work with them, they just flat out refuse to work with me.
To whom it may concern, I incorrectly entered the wrong account number to set up direct deposit at my work. This incorrect number was actually a valid account number with Chase, so the deposit was made into someone else 's account. I called Chase to try to fix the issue and they instructed me to file a claim for the {$500.00} that was sent to the wrong account. The findings of the claim instructed me to go through my works payroll departed and have them recall the money back. Chase received my companies Payroll department request, but denied it because the funds had already been withdrawn from the incorrect account. Since then I have spoken to numerous Chase reps, as well as a supervisor. The supervisors name was XXXX, and she instructed me to go through small claims court, to try to get my money back that way. She would not provide any information for the other party who received my money, which i completely understand, but she also said Chase would not contact the other party to let them know of the mistake. 

I have the other persons account number, but I don't believe i should have to go through small claims for this. I am not even sure i would be able to, without the other persons name or address. 

I find it extremely hard to believe that Chase can not put the other persons account into the negative, or at least contact them to let them know of the mistake. Every rep i have spoke to at Chase seemed uninterested in my problem, and always tried to transfer me, and get me in another direction. 

I can provide the other parties account number, as well as mine.
The Debt collector Key Bridge Medical. has been attempting to a collect a debt that the State of Ohio paid through the State of Ohio XXXX program. They as well as the original creditor has been made aware of these debts being billed and paid by the XXXX program. The Original creditors have assured me on numerous occasions that they would have this company remove the debts from there files and my credit reports. This has been an on going issues for several months. The accounts in Question belong to the XXXX XXXX medical Center and XXXX XXXX. They have also called and harassed me after I mailed them a cease and deceit letter, I was told by them that I would be sued for the amount they say I owe when clearly it was paid by the government and was told they did not care what XXXX paid or did n't pay they only care about what they were told to collect. I demand that they cease all collection activity, and verify with the State of Ohio that there was XXXX coverage at the time of service and that it was paid. They are reporting the same account several times in an attempt to force me to pay the debt or have bad credit. When I mailed them a demand for validation of the debt I never received a response. They have clearly violated several federal Statutes that pertain to fair debt collection, and improper reporting of information to the credit reporting agencies. They have done harm to my credit, and my reputation by there falsehoods and illegal acts.
The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX, XXXX, and XXXX XXXX, XXXX, as well as several times in XX/XX/XXXX, including today, XXXX XXXX, XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same, and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien, and they refuse to cooperate.
According to the Fair Credit Reporting Act XXXX XXXX XXXX a ) ( XXXX ) ( XXXX ), the credit bureau is required by federal law to verify the physical verification of the original signed consumer contract with the company. I have sent letters for validation to this bureau and they have not provided me with proof that this account belongs to me. The company name is XXXX, account # on file is XXXX ... .. The credit bureau is reporting inaccurate information and I have no knowledge of this account. I have not signed for an XXXX loan. Under the FCRA, unverified accounts must be removed and if the bureau is unable to provide me a copy of verifiable proof, they must remove the account.
CRA ... TRANSUNION AND XXXX ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623
I am only intermittently able to access the synchrony bank website for dicks sporting good. Out of the last 7 days I have only been able to access the online portal 1 time yesterday, using the correct user name and password. I am told every time that my username was n't recognized but I have typed it in correctly and it 's the email that they send all my information to. I also tried to use my account number to reset my user name and password and it was not recognized either. When the website is working I use that same user name and password and it works, the first time. I even mailed in my payment to ensure it was received by the payment date but now that it 's my payment date I am unable to log onto the website to make sure. They do not have any message up that saying that the website is down. This seems more like a systematic thing keeps happening to deny consumers routine access to the only free way for me pay the bill. If I am unable to make sure my payment was recieved today and pay it again if it was not yet, I will be charged a {$35.00} late fee and my interest rate will go up.
I have XXXX private student loans ( $ XXXX+ ) with Navient, formally XXXX XXXX from when I attended XXXX XXXX Universities XXXX Program. Nearly a XXXX ago I had to nearly default on the loan to get into a reduced rate program. While in that program my rates where reduced to 1 % and after tabulating my income ( family of XXXX, wife XXXX ) and expenses they determined the best payment I could get was {$310.00} a month with was 95 % of my discretionary income. To contrast I have an equal amount in Federal Student loans and my Income based repayment is {$31.00} a month! This program I am in has to be recalculated and I spent an hour today speaking with representatives at Navient XXXX XXXX XXXX, XXXX XXXX XXXX. And they told me that my interest rate would be increasing and that the BEST payment they could offer me is {$380.00} which is 117 % of my discretionary income!! My rent has gone up and my family of XXXX is living in a XXXX bedroom house! This is no way to live! I need help here!!!
I purchased a vehicle in XX/XX/XXXXit was refinanced in XX/XX/XXXX because my paydays changed so they put it on my credit report. Then itXX/XX/XXXX my car was repossessed for late payments so they added that to my credit report as well. I made all of the late payments  and my car was back in my possession. I paid the entire loan off in XX/XX/XXXX and received the title. A year later asked could they remove those two items of my credit report and they refuse to do so. Saying my car was repossessed but i have have the car and title til this day.
In XX/XX/XXXX and XX/XX/2017 I pulled a copy of my credit report from Experian and XXXX   and immediately noticed 24 inquiries on my credit report. I have sent dispute letters and have called multiple times only to be told they were accurate with no proof as requested. I have not applied for any credit because I know my credit score is not feasible to many companies. There are several done from XX/XX/2017- XX/XX/2017 for an auto loan. The ONLY auto loan I have is from XXXX which I have always purchased through XXXX. I have tried reaching out to each of the creditors and have gotten nowhere. My rights as a consumer under the Fair Credit Reporting Act has been violated.
Have online account with Discover Bank. Logged in XXXX/XXXX/15 @ XXXX XXXX to transfer {$20000.00} to my liked account at XXXX XXXX XXXX. Today is XXXX/XXXX/15 at XXXX XXXX and funds are still not at XXXX. Contacted discover and spoke with supervisors who only could tell me funds were sent on XXXX/XXXX/15 at XXXX. He assumes all times are EST. Have called the Federal Reserve in XXXX ( XXXX ) and they can not help. Called XXXX and spoke with XXXX XXXX who stated should not take more than 2 days, but could not offer any help. Called Fed Reserve ACH center in XXXX and was advised they did not communicate with individuals-only banks. Have emailed complaint to discover with no help.
XXXX XXXX/Comenity Bank I have a statement that shows New balance - {$15.00} due by XX/XX/XXXX. I paid that balance stated on XX/XX/XXXX and XX/XX/XXXX, my account was now paid in full. I then closed my account. Today I received a bill for {$2.00}, it is what they 're calling a trailing fee, that was charged to my account on XX/XX/XXXX. I called them, makes no sense, they wo n't take the fee off. This is soooo wrong!
Equifax utilized my report improperly by divulging my confidential information without consent. Equifax confirmed on their website that my information was impacted by their data breach. Meaning : I am now at a significant risk of dealing with accounts being opened fraudulently with my information and also my existing accounts are at risk.
Credit Acceptance corporation as a collection agent called too many times in a harassing way. My purpose after much research and development to dispute credit data ; derogatory remarks, credit reporting, correct and or inaccurate citations reported by creditors and its responsibility according to Consumer Credit Reform Act XXXX, against namely Credit Acceptance Corporation. I submit to you in writing, obtaining and annotating this data also makes XXXX, XXXX, & XXXX  consumers. 
It is unfair to me that some aspects are reports and others are not. Fair in my opinion, would be " removal those negative citation " and here 's why. Any Perspective businesses, creditors, employers alike would be prejudice to this report. XXXX XXXX XXXX said " an unfair law is no law at all ''. In this matter we must remove this report lest we fall in violation of C.C.R.A. Consumer Credit protection Act XXXX. Insomuch we both want to be honest brokers ( XXXX, XXXX, & XXXX ).
The Debt Collection Agency contracted by Popular Auto in charge of the repossession of my vehicle is charging me a service charge fee consisting of {$300.00}. Local regulations promulgated by the Department of Consumer Affairs of XXXX XXXX, especifically prohibits this practice. For that matter said regulation establishes in Rule 17 ( a ) of Regulation 6451 of the Department of Consumers Affair of XXXX XXXX that the Debt Collection Agency is prohibited from " collecting or requiring the debtor to pay additional charges on the amount owed and the costs incurred by the collection agency in its normal collection management ... ''.
I have been a Bank of America customer for 3 years with a small business account, recently I moved from XXXX to XXXX. I met a women from XXXX also and become very close to her. I went out of town and trusted her with my account number to deposit money into my account from a work booking that I asked her to take care of. The time I went out of town I was very busy moving around and preparing for my permanent move to XXXX. I checked my account but did not do a through check for any errors just to make sure some money was deposited from work, once I returned to XXXX about two weeks later XXXX $ was reversed from my bank account. I called and tried to contact the women whom was my friend had dissaperead, she blocked me from social media, she had moved from her apartment and I could not contact her.. Continuing on about a month later XXXX $ had been reversed from my bank account causing it to overdraft, I could not understand why so I immediately went to a banking center. I filed a claim at the bank over the phone and filed a police report for fraud naming this women as the person of interest. After a week goes by I finally get some type of answer from a Bank of America associate explaining what had happened, someone posing as me stole my information and filed a claim stating they deposited money into my account gotten a temp credit and immediately with drew it. I did not file this claim nor do any of this. My information was stolen and fradulant activity was done and I am being held accountable for it. This has been a nightmare and it seems as if the bank does not even care they have not fixed the issue and has denied my claim.
My citibank Mastercard had a due date of XXXX XXXX, 2016. This is a Sunday. 
I paid my Mastercard bill, using my online banking, on Monday XXXX XXXX, 2016. 
Citibank charged me a {$27.00} late fee. 
I called and asked them to refund this fee and they refused. The reason they gave is that I had already received a refund of a late fee in calendar year 2016 and that their policy is to forgive only XXXX per year. 
I pointed out that my payment was not late, due to the impossibility of my paying it on Sunday XXXX XXXX.
On XX/XX/XXXX and XX/XX/XXXX I received messages from an attorneys office. The reason for the call was not stated in the message. I had to play the message 4 times to get the phone number to call. When I returned the call I was connected to a very aggressive man, who claims that his firm XXXX and XXXX have been retained by Spot Loans to collect money from me on a payday loan I obtained. I am the victim of identity fraud from 2013 when someone hacked the SC Department of XXXX tax records. XXXX accounts were hacked. XXXX was XXXX of them. They say I received {$850.00}. I have never obtained a loan online. I have fraud alerts on all my credit files plus I have disputed many entries. Neither man would listen to me and said I was a criminal. I have asked both of them to stop calling me and I have hung up the phone on both of them. Their phone number is XXXX. 
Please get them to stop calling me. They are even talking to me about items on my credit report. They have no right to obtain information on my credit reports. They were asking about different accounts that are listed.They are also calling from a local number to deceive me. 
I am recovering from a total XXXX XXXX and these calls are very upsetting. 
XXXX XXXX XXXX
A month ago I sent in a complaint to you about XXXX having informed me that information was compromised and that an at XXXX was opened in my name. I didnt do it. I complained to XXXXthey deleted the account along with a sprint account. They then said that they will contact the other XXXX agencies and have it removed as well. It was deleted. But as of today, its listed on my Equifax and XXXX credit report when it wasnt last month. This has been going on for months now. They deleted it from all reports but now its back on my XXXX and equifax. I demand them to be taken off those reports. They are not mine. They were fraudulent accounts opened in my name. Ive attached the letter that experian sent in the very beginning Having to write all this again is very frustrating and time-consuming. In addition, I did get an autoloan ... at 20 % ... its because those XXXX accounts are on my report when they should n't have been. In turn impacted the interest on my auto loan. XXXX says my XXXX is XXXX no accounts in collections. They got it right. Then XXXX says the other XXXX CRA XXXX and EQ is XXXX XXXX. I dont understand but I demand that those accounts be deleted. There 's been a number of complaints that I have submitted. So I 'm a little confused as to who needs what and what ngoes to who. I think I 've attached the right documents
Hi, my mortgage is held by Flagstar Bank. 
My payment is due on the first of every month. I have ( without fail ) payed this on time every single month via their online payment system. 
They recently changed their site security settings, and I am unable to access their site under any circumstances. I have tried 2 separate browsers, tried multiple security levels ( even completely turned off ). They still wo n't let me access my personal account information. You also ca n't do any kind of password resets or username lookups without having your loan number valid. 
That 's not something I keep handy. I do n't keep paper statements. They are all right there nice and " handy '' on their website. Except they are not now. 
I 've spent over 2 hours this evening attempting to log onto their website just to pay my darned mortgage. This is extremely unreasonable. The website suggests calling their 24-hour hotline if any issues -- but it 's not 24 hour with the customer service representatives. Just a touch button system that requires -- you got it -- your mortgage loan number ; which if you remember correctly I stated I do n't keep a copy of. 
This kind of service for someone just trying to pay their bill is ridiculous, and something needs to be done.
Our loan was with XXXX and was current The servicing was then taken over by XXXX XXXX XXXX. We were immediately notified that there was an escrow shortage and if not paid, would result in additional fees. Then the load was sold to Caliber for {$50000.00} more than what was owed. A load modification has been denied.