WillisBack/dataset-financial-user-claim huggingface dataset:
I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.
I just received notice that the credit card bank for XXXX XXXX XXXX XXXX is cancelling my card. 

There reason is that the new owners of XXXX XXXX are looking to lower the number of cards issued. ( Or that is what I was told by XXXX XXXX ) Will this have an adverse affect on my credit score. 
I had nothing to do with this action.
XXXX XXXX, 2015 I was told i could get my loan deferred upon summitting my military orders. I received notification that my deferment request was received. Apparently during that time i was still being billed to the wrong address, so i never received anything notification regarding making payment. On XXXX XXXX, 2015 I was told they sent out multiple letters for additional information regarding my deferment but i was never called. Now my credit score has decreased significantly because it shows that I am now delinquent and past due on payments which should have been deferred.
Equifax suffered a security breach that was announced over the past few days. They did n't contact me or let me know that my information was compromised. Their executives sold over {$1.00} million worth of their stock BEFORE announcing the security breach. I had to receive an email from my password manager ( that was n't affected or harmed at all by this security breach ) directing me to a site managed by Equifax to see if my information ( social security number, etc. ) was compromised. Turns out it was. I now have to spend time going over securing my credit, putting freezes on my account, and closely monitoring my credit in the unforeseeable future because my SSN is not going to change and is now out there in XXXX knows whose hands.
I am getting calls on a daily basis from a number unknown to me and when a voice mail is left they give no information as to the company name or a specific person to contact. only to contact this number in regards to file number which I have no knowledge of.
My loan was originated with XXXX. In XXXX or XXXX of XXXX, my loan was sold to Nationstar XXXX who recently changed their name to XXXX XXXX XXXX. Leading up to the transfer, both XXXX and Nationstar assured me that there would be no changes to my loan terms. 

To make a long story short, Nationstar increased my monthly payment without telling me. I never received a phone call, email or written correspondence as to why this occurred. Since my loan transfer, approx. 5 months now, I had been making the same monthly payment I was making to XXXX, but to Nationstar. Unbeknownst to me, since the payment went up, they were holding my payment in unapplied funds and not crediting my actual mortgage payment to the principal and interest. Again, I never heard from Nationstar about my " late '' mortgage payments. 

Upon discovering this, I was told that the payment went up because they did an escrow analysis and unlike most lenders, require a 2 month cushion. Again, that would be ok if this was told to me had I not discovered this on my own, many months later. I was told if I made a large payment straight to escrow, an escrow analysis could be run which would bring my monthly payment down. 

I have called trying to confirm the correct funds were applied to the escrow account, get an escrow analysis run and a new lower payment obtained. I am on the phone with Nationstar for propably the XXXX time in a few weeks trying to get this resolved. We 'll see what happens.
I went in XXXX 2013 to have XXXX surgery. During the setup for the surgery when i was filling our paperwork they gave me a sedative for the surgery. They offered me a pay later form of payment and had me fill out the paperwork. I was never explained what deferred interest was or that there was any pertaining to the paperwork. I made payments for the next years and then in XXXX saw a huge spike in my payments and balance. I went back through my emails and saw the balance go from {$1400.00} approx to {$3200.00} approx ( more than the initial surgery in full ) I called to figure out what was going on and they told me that since i had not paid the balance in full all the interest would be applied to the full amount and not only that. The interest that was applied would now be accruing interest along with the previous balance. I asked how i was supposed to know when the date was coming and they directed me to my statements that were sent via email. Well i never registered for an account online so I was able to see the dollar amount owed in the emails but nothing pertaining to my account otherwise. If i clicked on the " view statement '' field of the email it took me to a register for the website area which would n't accept my account number given to me by care credit. In general this whole thing is a scam. They make it extremely difficult to even get them on the phone. They carry XXXX different account numbers which the online XXXX they can not even find because it was setup by the XXXX doctor on their own so we have NO ACCESS to it. So i was n't able to see when my payoff was due or anything like that. I really feel this is a disgusting practice and was done with the intent of duping the customer. 

Please let me know how to proceed
I was insured with XXXX in XXXX Oregon, a Health insurance company. ( could and should file a separate fraud complaint against them also ) I got very sick and needed to stay in hospital for a few days. I was covered under XXXX insurance who in start of 2016 made statements in XXXX newspaper ( XXXX area ) and on all TV news in Oregon that they were insolvent and about to go belly up as in Bankrupt and would be shut down. At that time I paid my premiums until I deemed that switching to another carrier would be more to my advantage and did not want to take any chances with a company whose mismanagement of funds was so dire it announced it would end up being broke I had a lot of medical issues that continued and got statements from XXXX stating they had covered everything. Now I am in court with XXXX XXXX a division of Professional Credit Services out of XXXX Oregon and I am being sued. 

This mess is three fold. The hospital where I was treated up to XX/XX/XXXX I went in for testing every other day and at no time during my visits did anyone mention I owed them a dime. I had asked on many occasions if my insurance was covering everything and I was told yes and not to worry. My illness led me to the hospital XXXX me. I was admitted into the XXXX. 

XXXX XXXX is said to have been playing " coding games '' and did not pay items they told the hospital they would or were supposed to pay and it landed in collection. My last visit to the hospital was XX/XX/2016 and I was told I had a XXXX balance, so how it is now that I have almost XXXX in a lawsuit from some predatory collection agency who I am going to file a separate complaint with. 

XXXX is a scam and countless other people I know bailed on this company when it was announced it would go out of business. I am now being punished and XXXX is violating my original insurance by not paying what they said they would pay. 

XXXX failed to communicate with me and instead of paying what they said ( insurance fraud ) they then bounced it back to XXXX XXXX in XXXX, Oregon, the hospital and they, after telling me I owed them nothing, then turned around and were not paid by XXXX and instead of losing face or re-negging on their original statements to me, they instead turned me over to a predatory collection agency that has violated my ever consumer rights. 

PROFESSIONAL CREDIT SERVICES and XXXX XXXX their legal division have refused to itemize the bills and have told me and threatened me to put a lien on my home. Interestingly enough I do not own a home. Also threatened to come after me, whatever that means. They are in violation of every law and rule regarding debt collection. especially when the debt is not or should not need to be paid based on the very words of the hospital and XXXX XXXX XXXX were paid handsomely by XXXX for the majority of my bills and should have been covered completely after my small deductible was eaten up. 

XXXX is in violation of misrepresenting the facts to the hospital and the hospital deals directly with Professional Credit Services who are criminals in every respect and XXXX XXXX based on their reputation are known to violate every law regarding this issue
About a year ago I contacted this company about this debt. I sent written notice that this was not mind I have document this debt was removed. As of two months ago this company has placed this false debt back on me. I do not have a contract with this company, have not gone to any hospital any two months ago, false debt.
I recently pulled my credit report and found a lot of information that was incorrect. I called each credit bureau, some things they helped with and some they did not. They advised me to contact the companies about the unauthorized inquiries. I called them, and they had no record of me on file applying for anything. I also sent letters to each bureau regarding this matter, and have gotten no response. At the time some of these inquiries were made, there was a fraud alert currently active on my credit file. I have included the pages from my credit report I received from Equifax.
I would like to come to some sort of closure with XXXX billing, This all started around XX/XX/2016. I joint the XXXX XXXX for life plan,big mistake! It was at that time a free service, in which I was billed 3  payments of $XXXX which I paid! I should never have billed for this service, I contacted XXXX on several occasions I finally received a call from a so called supervisor, Who explained that I should never have billed and I was told that the money would be put back into my account? This never happened, so I stopped paying XXXX until I got it rectified! I have tried numerous times to get this fixed with XXXX! I had tried to contact them online through My XXXX online services, I was repeatedly either disconnected or put on hold. I also called on a land line same result. I even contacted a regional manager who handles these matters for XXXX, again no reply! Needless to say the account was then sent a very unscrupulous collection agency, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX)XXXX, So far they breached my email account XXXX, which I was under the impression was illegal to do? Secondly they run my credit on a monthly basis to keep my score down and report monthly on my credit report, again which is illegal,and these reporting agency's do NOTHING TO STOP this! I have also contacted the Federal Trade Commission on this matter reference number: XXXX 
I am also contacting a Lawyer to see if I can start a class action law suite! Against the credit reporting agency's and this so called professional collection agency! After doing online research it seems that I am not the only one that has issues with XXXX  Billing practices!
I have told this company ( ERC Holdings LLC located at XXXX XXXX XXXX XXXX, FL XXXX ) several times on RECORDED LINE to Cease and Desist contacting my phone number. The Debt Collector is using a similar debtor name attempting verification of a debt not owed by me. My phone number is NOT listed, and, for them to obtain my number is using illegal privacy invasive methods on an innocent. This company was warned to remove my number, and, at the time they said the number was being deleted, however the harassment continues. I have maintained a call log with caller identification to show this harassment to the CFPB, FTC and Attorney General. This federal complaint serves as written demand to CEASE AND DESIST. I do NOT verify any debt. Any further contact " written, electronic, or by phone will be viewed as ILLEGAL. I will take full advantage of Federal Law and take legal action if these wrong attempts do not immediately stop.
XXXX received a notice to levy my account for not filing taxes in WI. They emptied my account on XXXX XXXX and I received notice of this on the XXXX. I remedied the situation right away by filing the missing information and I confirmed on the phone with a WI representative that my money should be returned after they receive it from XXXX. 

I called WI today, the XXXX, and the person I spoke with said XXXX has n't sent the money yet and that I need to contact them to find out more. He said once they receive it, then they will return it, but they ca n't do anything since XXXX has n't done anything. 

I went to the local branch and the assistant XXXX said there was n't anything they could do. I asked for proof the money was sent or any type of tracking and he said that they could n't give me any information. Just that when they get a notice, they comply. I said I understand, I just want more information as I was told that Wisconsin has n't seen anything yet and I would like a time line on how things work. They refused to give me any corporate number and said I could try the phone support, but would likely get the same answer. 

The total amount debited was {$620.00}, the levy was for XXXX. The levy number was based upon a guess for how much tax WI thinks I would owe, had I filed taxes. The previous year I filed was {$0.00}.
I have never once received a bill from XXXX XXXX XXXX XXXX XXXX. I was unaware of this bill and do n't believe that it is mine.
I am asking for your help in both clarifying what American Express ( and other credit card companies ) can and can not do, and, I am asking how to initiate changing the regulations if in fact they are legally entitled to do what they say they can and are doing. 

I have been an American Express card holder since XXXX. 

Frequently, I travel internationally teaching so I typically pay a couple of thousand dollars more than my balance in advance, before I leave - to cover charges when Im away. 

This year ( as for many years before ) I called Amex in late XXXX ( around XX/XX/XXXX ) as I was soon going to make a {$33000.00} charge at a hotel as the balance due for our conference and wanted to make sure they would honor the charge. Knowing I was out of the country ( XXXX ) they made no mention that my due date for my current balance of {$2400.00} was in around eight or nine days and if I was late, an interest charge of 29.99 % would be applied to this new large charge of {$33000.00} even though it was not late. 

It seems my Amex was due onXX/XX/XXXX and as I did not pay it, I got an email a couple of days later ( already back in the US but not home ) that I was overdue. I called Amex when I saw they were charging me an outrageous 29.99 % on my overdue balance. I asked them to waive the penalty and the interest. Then, to add insult to injury, they charged that interest rate of roughly 29.99 % on the {$33000.00} hotel charge made onXX/XX/XXXX which was not late it was not even due yet ( they charged {$460.00} interest ). 

So, on a balance where {$2400.00} overdue and a new charge of {$33000.00} which was was only around 13 days old and NOT late - they charged the entire amount ( approximately {$36000.00} ) at 30 %. I paid my balance in full online ( around {$36000.00} ) onXX/XX/XXXX. 

When I called Amex to ask to have this penalty and interest waived as it was wrong and I have been card holder for 50 years, they refused. I wrote to XXXX XXXX XXXX, the CEO and was contacted by a representative of the Executive offices ( XXXX ) and told that was something about the trailing interest on the residual balance which allows them to charge on interest on new charges - if there is a balance overdue. This makes no sense - and if it is legal - it is still wrong. 

I am asking you to clarify if Amex is allowed to do this and if so, what has to happen for that part of the regulatory system to change. This is unconscionable and just wrong. 

Please clarify and advise. 

Thank you,
I arranged for a payment plan to make good on late payments and when I attempted to initiate the payments, Citi informed me the account was closed and they could not enforce any agreement. Over the last 2 years I contacted Citi via certified mail at the address indicated in my credit report to confirm the balance amount and to enforce the payment agreement and they repeatedly did not reply. Since this is in contravention of credit reporting standards, I have legitimately asked them to stop reporting the debt and no effort has been made to comply with my request.
My mortgage servicer, Seneca Mortgage, allegedly paid my property taxes on XX/XX/2016. It transferred my mortgage to a new service shortly thereafter. The county I live in claims it has n't received the payment nearly a month later. When I call Seneca, I ca n't reach a live human to get information on the disbursement. If I enter my old account number, the automated system just forwards my call to the new servicer, who does n't have any details about the alleged payment except for date and amount.
In XX/XX/2018 I sent certified letter to Experian Credit Reporting Agency disputing a collections from a company XXXX XXXX. The collection was removed from my report. Now as of XX/XX/2018 Experian has allowed the same collections to be added to my report through a different company XXXXXXXX XXXX. I know this is the same collection because the amount of {$330.00}. Also Experian has allowed a collection from XXXX XXXX XXXX to add a collections to my account. I have no Idea who this company is and why I owe them {$430.00}. I would like this things removed from my credit report immediately. I am cleaning my credit on my own without any outside help and It would be so greatly appreciated if your company could look into these disputes. I am working to achieve the American dream of becoming a home owner for me and my grandchildren.
I reached an agreement in XX/XX/XXXX to pay {$60.00} a month. In turn my account would be brought current and late comments removed from the accounts. I spoke with an account manager named XXXX. I passed on a 60 % reduction in total payment owed to get the above conditions. I explained i fell behind to hospital bills for my children needing XXXX and my wife falling ill and being out of work. I wanted to make things right and passed on the above mentioned reduction. It is months later, I am enrolled in automatic payments and have not been late since. I have sent numerous certified mailings to address this with no return correspondence from Navient/Sallie Mae or XXXX. I can not get better rates at this time to pay off sooner due to these and it is affecting my job search as well as these are negative on my credit which has been pulled numerous times now. 
In XX/XX/XXXXXX/XX/XXXXNavient offered reduced intrest repayment plan of {$50.00} which i gladly would accept except XXXX XXXX XXXX would not recognize this agreement. XXXX XXXX is who i was told to contact. I tried to speak to Navient about this but was told speak to XXXX and hungup on. 
Additionally now I am being contacted by legal firm of XXXX, XXXX , XXXX XXXX. 
I simply want to repay my charge off based on the terms set in XX/XX/XXXX-XX/XX/XXXX.
XXXX weeks ago I lost my debit card. Went to the local bank branch where they informed me there was an alert of a XXXX card ( possibly cloned ) being used on my account. the card was replaced and a fraud dispute filed. XXXX hours later I was advised my dispute was denied without contacting the merchants because my husband and I had logged into our account either online or through the mobile app and not caught the fraud ourselves. I escalated the issue to a supervisor who said they would reopen the fraud case and contact the merchants. chase has a 100 % XXXX liability advertising which they did not live up up. they also advertise they guarantee to have a credit placed on the account by next business day. waiting XXXX business as they requested to look into the issue, they denied our case without contacting the merchants saying the log in issue was good enough and if we did n't like it to close the account. this is a dispute over {$1400.00}
To XXXX Consumer Relations According to my recent credit report request from Experian.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 

15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & EXPERIAN VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX Experian XXXX XXXX Account Number XXXX XXXX XXXX Account Type Mortgage Account Mortgage Account Mortgage Account Account Status Closed Closed Closed THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business  procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.
ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.
Chase bank approved and issued me a XXXX XXXX credit card that I received on XX/XX/18. Less than 2 weeks later on XX/XX/18, they unexpectedly cancelled that card and another chase IHG reward card without even notifying me. 

They claimed that they reviewed my credit report and thought I now had too many credit cards to have this card. I suspect they did not want to offer the XXXX point bonus any longer as my credit had not changed since my original application. 

Really perplexed but just doesn't seem like they cancelled my cards for any legitimate reason.