WillisBack/dataset-financial-user-claim huggingface dataset:
I was hospitalized XX/XX/XXXX at XXXX XXXX XXXX XXXX. At that time, I showed my insurance card to administration. On XX/XX/XXXX, when I checked my credit record, it showed my late payment went to collection agency. However, that amount of {$2900.00} is supposed to go to insurance company, not to me. I called to the hospital asked what happened. 
They explained me that my insurance company denied to pay that amount. It is strange enough because I already checked with Insurance company about this problem. 
I double checked with hospital all the information, then we found the hospital sent my bill to the different company. So I thought problem is over, but actually it continues. 

The collection agency doesn't report to the credit reporting company such as XXXX  about problem solved and they need to lift off their claim more than months until XX/XX/XXXX. So I complained them to repair my credit information. They did, but they repaired only 2 companies not for XXXX. I called to XXXX to dispute the claim XX/XX/XXXX, but they denied to dispute because Hospital or Physician are not to lift off the billing yet. I checked the hospital but they were okay, then They explained me that the amount is sent by Physician butThe company name XXXX XXXX XXXX which the physician belonged is not able to contact because all the information is incorrect. Even Hospital doesn't have information. The collection agency named XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX, CO XXXX ( XXXX ) XXXX. Account # XXXX They never work for me to repair. They ALWAYS say We will repair your problem!, but never ever do. 

Since problem started since XX/XX/XXXX, It is already 2 years. I have no idea what I need to do. Please help. 

Thank you
GC Services put something on my credit report without sending a notice of right to dispute. This debt is a XXXX debt that was paid by XXXX. They advised me they paid it. Then out of no where I see this on my credit and got it resolved immediately. But they never notified me and along with that notification they are required to give me 30. They are in violation and I would like it removed from credit due to this fact. Thank you
Escalating Concerns of a Continuing Identity Theft, of ' a Speciality Credit Reporting Agency known, as ' Early Warning.

Inaccurate information Requested for the Removal of Information from the Early Warning Database Systems with 'all Alligences and Alliants, the Dispute or Correct for Accounts in Inaccurate Account Risk, as well as ' Accounts ( 3 and 4 ) plus, years old ', And Inaccurate Errors in Application for a Secured XXXX, that ' are. the Made Causes for a Continuing Identity Theft, prior Addressed in " formal compliant process ''.

Contributor ( s ) XXXX XXXX ( Account Risk ) XXXX XXXX XXXX ( Overdrawn ) XXXX XXXX XXXX AZ XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
Lender failed to notify buyer of condition of XXXX acre property was not approved less the XXXX hours prior to closing. Mortgage Broker was in direct communication with Sellers Agent, taking verbal on amend extend. Contract expired and Buyers lost Ernest Moneys. Mortgage Broker and Direct supervisor admitted negligence and stated Company would reimburse Ernest Money. When asked for promise to be provided on official letter, received sub par email for request of internal process. The actions of Mortgage Broker were not in the fiduciary interest of Buyers, and fraudulent statements made in regards to why loan was not approved were given to Buyers. Buyers were not afforded the opportunity to seek new Lender with in reasonable time to complete transaction, before expiring.
My husband has a loan with GM Financial. He has been XXXX and since only his name is on the loan they will not work with me. He has been in contact with them yet they continue to send daily emails to me as well as call my family members want g to know where he is. They have already been told where he is and what is going on. They are to the point of being extremely harassing especially since the emails are coming to my email and they refuse to work with me on the loan. It 's becoming very stressful.
The company that called is revsolve inc.. The number is XXXX.. They have been harassing my personal cell number which is a do not call number. Secondly both the Representative and supervisor would not acknowledge that it was a debt collector, or.explain what there company but give me there company name.XXXX they were trying to obtain the debt. I spoke to them many times, to have my number removed from their call list. The person they 're asking for, which they gave me their information, does not have this number. I 'm not aware of all the laws, but I 'm pretty sure if you 're trying to collect a debt you have to be notified of that. Secondly I 'm assuming it 's not good practice to have a debt collector call your personal cell phone. I hope this gets resolved, and I hope the FTC or some other government agency can look into their bad practices. Thank you
My XXXX and XXXX loans are through XXXX XXXX / Navient. For years I have been battling with them due to inflated fees and interest. They continue to offer me forbearance and no other assistance or proof of the validity of new fees etc ... It 's been a frustrating ordeal that they continue to hang over my head and ruin my credit. It 's a struggle to get any loan for a house or even rent due to this ... I 'm living with my mother! I have federal and non federal loans also private loans through Navient. I just need help. Please
On XX/XX/XXXX at XXXX XXXX, we went in to open a new checking account. We had {$2700.00} cash to deposit into the new account. The woman opening our account asked us how much money we had, we told her a little over {$2700.00}. She took the money from her desk back to the teller station to deposit it. She did not count in front of us before she took it. She came back with a deposit slip of {$1300.00}. We told her that was wrong and her reply was " Well the machine is n't wrong. You can call back in the morning to see if the drawer was off. '' By this time it was XXXX XXXX and they were closing the lobby. We left to make sure no money was left at home. 

XX/XX/XXXX, we went back to the bank when the lobby opened and asked to speak with the branch manager. The branch manager had n't made it in yet so we talked with the assistant branch manager. We told her the situation and she advised us to file a dispute. She pulled the screenshot of the deposit that was made on the bill counter and we immediately told her it was wrong because there was no {$50.00} bill counted and we know for fact there was one {$50.00} bill on the bottom of the stack of money. While she was filing the dispute, the computer had messed up to where she could n't answer all of the questions. She told us she had to add them in the comments. She said we should hear something soon on the dispute. 

XX/XX/XXXX, we went back to the bank to check on the dispute to learn from another bank employee that the dispute was never finished. She tried to complete the questions but was n't able to due to not being the one to file it. She called the branch manager and was told the branch manager had to do it and would finish it that afternoon. We were then told that the dispute would take ten business days and we would be notified by mail. 

XX/XX/XXXX, I called and talked with the branch manager to verify that the questions were answered and the dispute was filed and she assured me it was taken care of the day before. 

XX/XX/XXXX, I called to talk with the assistant branch manager to check on the dispute. she was on the phone. I left a message to return my call and never got a call back. 

XX/XX/XXXX, I called customer service to check the status on the dispute the person I talked to could not find it on our account. She then called the local branch employee who filed it to figure out what was going on. She then told me that employee would give me a call tomorrow due to the dispute office being closed for the day. Never got a call back. 

XX/XX/XXXX, I called customer service to check the status of the dispute and possibly talk to someone higher up since the branch manager had failed to return calls. Customer service found the dispute and attached another file to it and told me they would review it again. I also filed a complaint.
My mortgage company accidentally paid my homeowners/hazard insurance twice in one year from my escrow account. I noticed this in XXXX 2016 when I got my year end review. The Insurance company sent a refund shortly after when they noticed the overpayment. I started the process of depositing this money back into my escrow and opening claims to adjust the escrow needs and monthly payments for 2016. Since this process began, they have opened XXXX different claims to request the adjustment and I have spoken with them XXXX8 times between XXXX and XXXX XXXX. The response I get each time I call is that the previous representative did not open the correct request and that something else has been directed as the appropriate action, but none has taken action on the correct path that has been " noted '' in my file. This company has had more the XXXX representatives, whom apparently are not thoroughly trained, that have mishandled my loan. Not once have I received a call from them, they XXXX8 times I was in contact with them it was me reaching out to them only because I saw no activity in my online portal by the estimated date they had given me for resolution.
I have a mortgage through Green Tree Servicing and two months ago, I entered in the wrong payment amount and my mortgage payment was short XXXX ( XXXX cents ). Green tree accepted that payment and then I noticed that they attempted to collect my mortgage payment again, for {$1300.00}. The second attempt to collect another mortgage payment did not go through and then I started receiving the phone calls. Green tree called me at least once per day, sometimes two or three times a day demanding full payment ( {$1300.00} ). They threatened everything from reporting me to the credit bureau to raising my rates. They were rude, aggressive and verbally abusive. I asked to speak to a supervisor and was yelled at by the " supervisor '' as well. When I asked to speak to a supervisor, I was told that I had to pay the {$1300.00} first, or that I could not be transferred. Keep in mind that they still had the {$1300.00}. When I told them that I would pay XXXX on the next bill I was told that they " did not accept partial payments ''. I finally found another telephone number and called in only to be sent straight through to the collections department again. This time, they wanted to speak with my bank. I refused to let them, and then they demanded access to my bank statements. Again, I refused. I told them repeatedly that they no longer had permission to call my phone ( cell phone I do not have a home phone ) and that any further correspondence would have to be via mail. This did not stop them. The harassment continued. After XXXX weeks, the calls finally stopped. I paid the extra XXXX on the next bill and I did not have any more trouble until, when this month, I sold the house. 
The closing date was on XX/XX/XXXX. My payment was due on XX/XX/XXXX. I called on Monday, XX/XX/XXXX to make sure the wire transfer went through and, again, was sent straight through to collections and was treated like a criminal and they would not tell me the balance on my escrow account until I made my XX/XX/XXXX payment. Even after explaining to XXXX different employees that the house had closed only Friday, they were rude and kept repeating, " you need to make a payment '', " why do n't you just make a payment '' " i 'm not going to ( transfer you, help you ) until you make a payment ''. 
This company should be closed down for good. I see that they have been fined. This, apparently, did nothing to deter them from illegal collection practices, obviously.
I mistakenly submitted a manual online mortgage payment not knowing an auto payment would be processed a few days later. I contacted my mortgage servicer on XXXX XXXX and asked for a refund of the duplicated payment. I was told to send the request via email and it would be processed immediately. It now has taken almost a month to get a response and they are requesting more information. At this point the next payment would be due anyway, so there is no need for the refund. We were short the funds all month due to the slow customer service.
I opened up a free checking account at Wells Fargo bank a few months ago. When I checked my account today, without telling me, they had charged my account due to inactivity causing my account to go into the negative.
I applied for Citi ThankYou Premier Card in XXXX XXXX, 2017 with promotional offer of XXXX bonus points for spending {$4000.00} within 3 months of account opening. 
After successfully fulfilling the offer, Citi did not provide XXXX points.
1. We were promised 18 months interest-free, same as cash payments. But, if we fail to make a payment, then the accrued interest ( a whopping 29 % ) would need to be paid.

2. However, from the first month 's statement, it is clear that it is only 17 months. That is, even we if we paid the 18th payment on time per their statement, we would still accrue full interest. 
3. Besides, they never acknowledge a payment by an email.

4. They will not allow automatic payments.

5. All the above is a clear sign of deceptive practices intended to rip off the customer.

6. Details ( please read along with attached statement ) : a. 1st payment due is on XX/XX/XXXX. 
b. 2nd payment due is on XX/XX/XXXX. 
c. ... ... 
d. 17th payment due is on XX/XX/XXXX e. 18th payment due is on XX/XX/XXXX ( this will disqualify the consumer from promotion ).
Bank of america account was hacked in the amount of XXXX and XXXX on X/XX/2017. The company refunded the funds, however refused to assist in further resolving our issues. They cancelled our card and froze our account, rendering our accounts unusable, forcing us to pay a few bills late. The customer service representative was combative and less than courteous when we asked her to not cancel our card until after we made our bill payments. She continued to cancel our card before advising us she was going to do so, then continued to tell us that the card had been cancelled AFTER doing so.
XXXX XXXX XXXXXXXX sent a settlement letter they'd accept XXXX of the XXXX by XX/XX/2018. I did not call them until XX/XX/2018 and asked about a similar settlement. After back and forth debate they said that they could offer me a XXXX settlement. I agreed if they'd send me a fax saying it was paid in full. They told me that they couldn't fax because it was against my privacy rights but they would send a letter to my address on file. I agreed. They asked for my bank account and routing number I tried to insist on using my debit card they said no has to be bank account and routing number. I gave them this information. THIS ACCOUNT WAS NOT ON MY CREDIT REPORT. I paid, 2 days later here is this collection on my credit report for the total amount of XXXX. I call them on the phone asking why if I paid them would they then put this on my report. They tell me its against the law for them to not disclose it to all 3 credit bureaus. While on this phone call they tell me I still owe XXXX acting as if we did not settle even tho I have a settlement number. They are now saying they will report to the credit bureau that it was " settled in full '' not " paid in full '' like they said they would and made me aware of the fact that it will say on my credit report that I still owe XXXX because it was not paid in full when they NEVER mentioned this on the phone. I demanded to be sent the audio they told me they were recording and they said they don't have audio for that purpose. Im extremely upset.
XXXX is continually reporting a foreclosure that was illegal and had a lot of complicated circumstance ...
purchased a vehicle in XXXX of XXXX lost job in 2010 filed chapter XXXX the chapter XXXX got dismissed vehicle was totaled in XXXX the paperwork provided to me by capital one shows a loan balance of {$8100.00}. Capital One is reporting to the bureaus charge off of {$18000.00} I have asked repeatedly for documentation to be provided to me reflecting how this loan has come to an outstanding balance of {$18000.00} on one can provide me with that information
Problem : Mortgage was satisfied about 30 years ago. The title company found that Citibank did not do what ever they are suppose to do to be removed as a source of lien or other encumbrances Address of Mortgaged property : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Mortgage Statement : account : XXXX Address statement sent to : XXXX XXXX XXXX, XXXX XXXX, ny XXXX Person on statement ( me ) XXXX XXXX XXXX Date of statement : XXXX. 
I recently called XXXX XXXX at : XXXX They informed me the only way to proceed is to fax my issues and documentation to : XXXX I have faxed them 3 times in about 20 days and have not received any emails or calls from them. 
I called Citibank again yesterday and was told my only recourse is to fax them again ( which i did ). To date, no one has contacted me about my problem. The mortgage was satisfied in full about 30 years ago, but now that I want to sell my condo, i have discovered their failure to remove themselves from having anything to do with it. 
I am hoping that filing this complaint will get someone at Citibank to take some action to removing themselves before i have to hire an attorney to go after them for reimbursement should i loose the sale deal. 
Best of Regards and Respectfully submitted, XXXX XXXX XXXX
Citibank put a fraud alert on my card new Citi Bank American Airlines Platinum Advantage Card when I tried to use it. When I called Citibank to verify my purchase and my identity they had no response as to why they had set a fraud alert, and further said that because my phone number had changed, we could only verify my identity if I gave them one of my other bank account numbers. I was hesitant to do so, but they said that was the only way. Together we called my XXXX XXXX in the U.S. to verify my identity using my social security number, bank account number, and address. After my identity was verified by XXXX at XXXX XXXX, Citibank told me that they still would not remove the fraud alert because of my changed phone number. I told them that I could not " unchange '' my phone number and had complied with their every request in verifying my bank account and social security number. Several managers and a supervisor repeated that although I had verified everything, that my " phone number had changed '' and said an alternative would be to send a letter from the United States to XXXX XXXX where I am currently located trying to use my card to pay for a flight to the XXXX ( and where I have a XXXX XXXX phone number that Citibank was still refusing to call ). As I told them I was in the midst of trying to book a flight and traveling and could not receive any letter from the U.S, I wanted to immediately cancel the card. They told me I could not cancel my card since I had changed my phone number. They said I could neither use my card nor cancel the card. This is the worst experience I have ever had with a credit card, and one that not only prevented me from purchasing a needed air ticket, but may lead to late charges since they won't allow any access to my account, or even allow me to cancel my account. Let me reiterate that I did nothing wrong in trying to use my credit card -- it was Citibank who put the Fraud Alert on t he card and has no made it impossible for it to be removed although I complied with their every request to call my bank using my bank account, social security number, and address for their false fraud alert. There is no way for me to " unchange '' my phone number so this problem is unresolved. Also, according to legal ways of verifying identity- a phone number is not one of them. I need immediate assistance please as every phone call with CitiBank has not resolved this issue.
On XX/XX/2017 I submitted disputes on the item below. To this date, Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS XXXX {$510.00} XXXX {$590.00} XXXX XXXX XXXX {$6800.00} Equifax is in violation of the FCRA regulation below : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
My credit scores have been affected by the derogatory information on my credit file by several creditors. I have never given the creditor permission to report any information to my credit report, the information reported is not updated correctly, and according to the Fair Credit Reporting Acts Section 609 ( a ) ( 1 ) ( a ) I've asked for my original creditors agreement showing my original signature. Equifax has complied but XXXX XXXX and XXXX has not followed the laws.
On XXXX XXXX, XXXX I noticed a withdrawal of {$9900.00} dated XXXX XXXX, XXXX on my XXXX XXXX bank statement that I received via email on XXXX XXXX, XXXX. The description for the withdrawal read XXXX XXXX. There was also a withdrawal of {$75.00} on the same date with a description of LITIGATION FEE. I was not aware of the withdrawals, so I contacted the bank at XXXX. They recommended that I contact the phone number listed in the description. This was a direct number to XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX Per discussion with XXXX XXXX, someone filed a California tax return in my name using my social security number with taxes due of {$9900.00}. Per XXXX XXXX, Key Bank was issued an Order to Withhold Personal Income Tax with instructions to contact me and wait 10 business days to withhold any funds from my account. XXXX XXXX contacted the bank on XXXX XXXX, XXXX to release the order as it was determined that someone had try to use my identity. Per XXXX XXXX, Keybank legal department told her that that had never contacted me and that they had already sent the money 2 days after receiving the order. Per my relationship manager at Key Bank XXXX XXXX on XXXX XXXX, XXXX the legal department was contacted by XXXX XXXX on XXXX XXXX and XXXX XXXX, who instructed to release the order and stop payment on the check sent to the XXXX XXXX XXXX XXXX. Per XXXX XXXX, KeyBank has refused to stop payment and will not reverse the {$75.00} Litigation Fee that they charged their customer, even though they did not follow the directions of the order to contact me and wait to send funds. On XXXX XXXX, XXXX, I received a letter from Key Bank regarding the withdraw dated XXXX XXXX, XXXX post marked XXXX XXXX, XXXX with a copy of the third page of the Order.
I filed bankruptcy in XX/XX/XXXXwhich was discharged in XXXX, in the bankruptcy I surrendered rental property which is still on my credit report I have spoken with Huntington and they are unwilling to work with me, I am trying to refinance my home and these things are still on my credit report can you please help me Thank You
This credit card was opened in my name without my knowledge. I filed police report for identity theft, and the 3 credit bureaus blocked them from reporting. 45 days later ( after the 30 days allotted ),  Discover added it back to my credit reports and told me " someone has to pay for it '' even if I was a victim of fraud.