WillisBack/dataset-financial-user-claim huggingface dataset:
online collection brought the bill from XXXX XXXX hospital in XXXX XXXX. so XXXX XXXX hospital already got paid for the bill and trying to get paid again. refuse to give a receipt until you pay each different bill of XXXX keeps putting the bill o XXXX on all XXXX credit reports but they are a collection company. they brought the bill. so XXXX got paid and trying to collect again. my insurance paid the bill
I purchased product from sleepy 's on store card in XXXX of XXXX, item was defective and had to be exchanged. Sleepy 's double charged for new item and left mattresses on the sidewalk in front of my building rather than dispose of properly which is against law in XXXX. I had to pay {$500.00} to have a moving company come immediately to take as my landlord would be fined. I had to call Sleepy 's corporate for months and they stated they never received mattresses and I stated because they dumped on my sidewalk. They finally admitted to this I paid for the original purchase only and closed my account, Sleepy 's accepted account as paid in full, as I had to pay for removal of mattresses that they were supposed to do. Now 3 years later a law firm stating that I owe almost {$2000.00} more than original purchase after Sleepy 's changed from XXXX to XXXX bank about 2 years ago. Sleepy 's reported to XXXX XXXX that account was closed in XXXX of XXXX, however, I just now see they claimed it was delinquent, which it was not, they were delinquent in sending me defective merchandise and then dumping in front of my home and then trying to double charge me.
Transunion : Transunion still shows XXXX as a student loan on my credit report. I only had XXXX XXXX for a short amount of time till I consolidated my student loan. Federal loan is handling my student loan. I no longer have XXXX XXXX. It 's a mistake. It was taken out of my report for XXXX, however it still shows as a loan on my transunion. This loan was closed and should no longer show on my credit report. 
Thank you for your attention to this matter.
I received your partial response through CFPB stating that you will request that I be forwarded a copy of my signed guarantor agreement with XXXX. Referencing this agreement does not justify your agency sending a collection letter that is ambiguous. The fees that are included in the debt may be authorized by that agreement, but all collection letters need to clearly state information about the debt 's character and amount. Your letters do not. 

First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this, collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate, " Other {$40.00}, '' while collection letter dated XXXX/XXXX/XXXX indicates, " Other {$39.00}. '' As a collection agency, you are expected to include in the letter information about what, the " Other '' charges are and how they were determined. 

Second, the collection letters indicate that the debt includes an interest, but neglects to report the amount, frequency, and cycle. Collection letter dated XXXX/XXXX/XXXX indicates, " Interest {$0.00}, '' letter dated XXXX/XXXX/XXXX indicates, " Interest {$7.00}, '' and letter dated XXXX/XXXX/XXXX indicates, " Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading, because if a payment is sent in the amount noted as " Total Due, '' but is sent outside of the interest cycle, the debt will not be resolved, because additional interest will be further calculated. As a collection agency, you are expected to disclose in the letter information about how the debt is affected by a specific interest rate accrual. 

Third, XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX, yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment, in order to continue billing interest. 

I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency, because the justification for that amount was not included in the letter. The fact that I am dealing with you, does not justify your attempt to mislead me. The Fair Debt Collection Practices Act expects that collection letters accurately represent the amount and character of the debt. Your collection letters fail to uphold this. You can not exclude this information and suggest that I read an agreement with the original creditor for clarification or simply call your agency to talk about it!
My credit report is still reflecting late payment, however, I was modified and have been current on my loan for awhile now. Creditor agreed to remove all late payments with one being a bank error. Creditor keeps delaying the update although they have promised multiple of times.
XXXX XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in his letter said as I quote : On XXXX XXXX, XXXX, a charge of {$8800.00} was made with special financing terms of 18 months, No Interest if Paid in Full, regular Monthly Payment required during the special term period. YOUR MINIMUN PAYMENT AMOUNT WAS SET UP BASE OFF THE AMOUNT OF THE TOTAL PURCHASE AND LENGTH OF YOU PROMOTION. Letter attached ( Attachment 1 ) I did the payment exactly according with this indication I pay {$300.00} for 29 months because Wells Fargo Financial XXXX XXXX made a mistake on the length of the promotion, the other way the minimal payment will be {$490.00} and in that case I will not accept This Especial Home Project offer because I was not able to pay {$490.00} per month. 

XXXX, XXXX. XXXX XXXX ( Research Remediation Analyst from the Executive Office ) in her letter said as I quote : your purchase was made with Regular Montly Payments term rather than equal Montly Payments. Regular payment terms typically provide the customer great flexibility by requiring a lower minimum payment each month. However, you can make larger payment to pay off the balance by the special terms expiration date. ( attachment 2 ) Two letters from Wells Fargo Financial XXXXXXXX XXXX from the same office ( Research & Remediation Analyst Executive Office ) with different version. 
XXXX, XXXX. XXXX XXXX in her letter said as I quote : on XXXX XXXX, XXXX, the account balance of {$6000.00} was charge off. What is to charge off? In my original complain indicate that in XXXX XXXX, XXXX, I was willing to pay all my balance and Wells Fargo Financial XXXX XXXX with XXXX XXXX a Research & Remediation Analyst from the Executive Office DID NOT ACEPT MY OFFER ( Attachment 3 ). 
This case makes no sense if one officer said one thing and the other something totally different. XXXX XXXX, XXXX. I made the last payment. XXXX X 29 months= {$8900.00} and I pay in full. 

I am XXXX years old lady and this company is taking advantage of that. 

I trust 100 % every thing that they told me. My monthly payment never increase, the financial was 0 % until I finished. From XXXX to XXXX XXXX never increase, I pay online and I do not need to print the statement every month, to pay on line is to save paper.
Upon being denied from a lender for " multiple inquiries '' from Transunion report, I decide to check my reports from all credit bureaus for accuracy. I have realized that there were a few credit inquiries on my Transunion that I DID NOT authorize and had no knowledge of. I contacted Transunion and had no relief. Please see that the following inquiries that were not authorized by me with the date of when the report was improperly requested and received. Per my investigation none of these companies received any identification or authorization from ME to pull my credit for any reason.     1.  XXXX   XX/XX/XXXX   2 .   XXXX   XXXX   XXXX    XX/XX/XXXX  3.  XXXX   XXXX   XXXX   XX/XX/XXXX   4.    XXXX   XX/XX/XXXX
I signed up for service after a XXXX search. XXXX XXXX  was listed under paid section. I put in a contact submission form and they called me later that day. I was instructed about what they would do and I agreed. However right at the end the sales person asked me if I was married. I answered yes, he said great you can add your wife and no additional fees would apply. I said great, next thing I know is a credit card charge for double the amount came through. I called three times each time on phone for over two hours on hold. The fourth time I just called credit card company to dispute. Then I but in a contact form on XX/XX/XXXX to cancel service. They didn't respond until after the XX/XX/XXXX three days after another months charge to cancel. So they want to charge me again for another month and my wife as well. Total scam process. But since he is a lawyer I guess he will get away with this.
I would like some intervention because XXXX is not at all coopertaing with providing an actual investigation and correcting my items. I have notifieid them of these inaccuracies as well as sent the physical proof from my credit report to back up my claims ( see report attached ) and still nothing was done. How can they continue to " verify '' these inaccurate items when I am continuing to send them the proof? This is 100 % against the regulations of the FCRA and now these items must be deleted immediately. 

Here is the main issue : Selene Finance XXXX XXXX is reporting this account as paid. 
XXXX is reporting this as 120 days late with a monthly payment of {$1800.00}! 

There has been no update on this account since XXXX of XXXX and does not even include an original amount or the required notice of dispute. How can I be 120 days late on an account that has been paid? The status must reflect this and there should be no monthly payment once an account is closed, let alone paid. How am I still paying on an account that is closed and paid? 

The secondary issue is that they are reporting this XXXX account that I was late on dates that I do not agree with and I know for a fact that they are not allowed to parrot what the creditor is saying, so my question is : HOW are they verifying these late payments on XXXX, XXXX and XXXX XXXX, XXXX XXXX and XXXX XXXX?! I can say with 100 % certainty that I was not late on 3 of those dates!
The company has been paid off, and now they just filed a judgement of debt for {$220.00}, the first contact letter was XX/XX/XXXX, now it 's XXXX XXXX, 4 years and they filed a judgement to get money that is not owed. NC has a 3 year statute of limitations. XXXX and XXXX has removed the collection because it was old and paid for.
Pnc bank did not utilize my overdraft protection when a check that I wrote to my daycare posted to my account on XXXX/XXXX/16. Even though I had enough in my overdraft account the check was returned. I was charged {$36.00} by PNC for NSF. I had to pay {$35.00} to my daycares bank for the check being returned and {$13.00} to my daycare because they also have a return check fee. PNC only refunded the {$36.00} that they charged me. I requested the additional fees be refunded but they never paid me back for the {$35.00} and {$13.00} fees. I am attaching statements for my checking account and overdraft account. The last page will show my daily balance on XXXX/XXXX/16 which will prove there was enough money to pay that check. The {$35.00} and {$13.00} were both processed as checks so pnc should be able to view and verify that I was charged those additional fees. I am confident that this was a banking error and need help getting a refund for these additional fees.
I have received numerous calls from a company called Foster, Garbus and Garbu looking for a XXXX XXXX XXXX spelling? XXXX. Unfortunately I did n't record all dates. The phone calls have been coming for approx. 4+ months. On approx. XXXX XXXX, 2015 I called and explained that I do not know this person and please remove my number from their account. I did not receive any phone calls until XXXX XXXX Received XXXX calls XXXX XXXX, XXXX and XXXX XXXX on approx. XXXX I again called to explain I do not know this person and to remove my number. I did not receive any calls until XXXX ( received XXXX calls XXXX, XXXX and on XXXX ) on XXXX I had talk to someone and once again told them I do not know this person and remove my number. I again received a phone call on XXXX. On XXXX i called and talked to a XXXX XXXX. I explained my situation and he told me there can be several different accounts tied to XXXX name. I then asked to talk to a supervisor and was transferred to a voice mailbox of someone named XXXX. I left a message with my name and phone number and explained my situation. that was approx. 2 hours ago and I have not received a return call.
To Whom It May Concern : I am filing a complaint against Amegy Bank for insurmountable stress, loss of time at work, sleepless nights, XXXX days of driving and hours on the phone and in your bank. As of today, XXXX XXXX I still have no answers. 

Saturday morning XXXX XXXX I pulled into an ATM to get money out of my account. My husband 's direct deposit had gone through the night before and my husband and I had traveled to XXXX XXXX on Friday night for a short vacation weekend. 

On Saturday morning I tried to open my online banking account from my cell phone. After several failed attempts, I called the number on the back of the card and was told that my account was frozen and they could not disclose to me why. They instructed me to call the branch where I opened my account. I did. They also told me that they could not give me any reason why because that department was not in on Saturday. We were told by one Amegy employee that the hold was due to fraud by a write-off of a closed account from 2013. 

We have been with Amegy for XXXX years. We have never received any kind of letter or email in reference to a debt we owe to Amegy. We were treated on the phone like criminals. We had no other means to get funds to come home. We were told by customer service that someone would call us back, they did not. We spent the rest of our weekend trying to get answers and our funds released to no avail. Our vacation was ruined and we had to borrow money to get home on Sunday. 

Monday morning we spoke with XXXX XXXX XXXX of the XXXX branch who was able to release our funds but our debit cards were closed. We live XXXX minutes from Amegy, made XXXX trips that day trying to get to answers & money out of our account. XXXX XXXX did everything he could to get answers for us. Your fraud department, he found out, thinks that I owe {$260.00} but as XXXX XXXX showed me on your computer, I do not. My account was closed properly with XXXX XXXX XXXX ( my banker for XXXX years at the time. ) I know that I am not a large account holder. My wife and I are in our XXXX 's and I had XXXX and can not handle this level of XXXX. 

At this time, XXXX XXXX, XXXX XXXX, we still have no answers. Again, XXXX XXXX is doing everything he can to help us but I need to know who is able to hold {$2000.00} on a {$260.00} debt I do not owe. 

I am requested someone to please help us. 


Sincerely
Credit report states that account was open XX/XX/2018. The status of the account says it is still open. I have no knowledge of this account and no knowledge of the collection company " COAST PROFESSIONAL ". I never received any notice through mail, email, or phone about this debt. I would like to address this immediately and ideally, have the negative remark removed from my credit reports.
Winn Law Group has put a judgement on me and wage garnishment over a XXXX  account I never had applied for. Every year they put a hard inquiry on my credit report without my consent. I do n't know what they want from. This is illegal practice of theirs. They need to remove this judgement off me because they have no valid proof that debt belongs to me.
I made a {$20000.00} payment on my Citi XXXX AAvantage card. It was a direct transfer from my checking account. WITHOUT TELLING ME they placed a 15 day hold on this payment and then denied charges because I was over my credit line. I had to talk to XXXX people and the bank to prove that they had the money ON THE DAY I PAID IT. Basically they collected interest on this money for 9 days. I was able to force them to acknowledge that, and to correct their error. But the the first person tried to tell me I had to wait 15 days, which is ridiculous because those transfers are relatively instantaneous.
Wells Fargo previously set my accounts for closure in XXXX 2017. Once previous before that, the reason i was given at that time was due to excessive claims. However i never had excessive claims. When i reported this to the consumer financial bureau before i was told that my case was being researched. However it was not being researched. They did n't assist me at all and blocked all incoming deposits. This is my first account, and by filing claims it has nothing to do with being a risk. However, since my accounts were kept open i have filed a total of 16 Claims. After retention. These claims of the 16 only 5 were actually valid, and not mistakes. These were either duplicate purchases, or Fraud charges when i lost my card back in XX/XX/XXXX. 

Not only does this information i am providing uncover more evidence. The rest of the claims were actually canceled as i submitted them by mistake but cancelled them right away and called the claims assistance center the same exact day to tell them i made a mistake. They assured me they were cancelled but told me they would remain on my account. 

Now several months later i call, and am told my accounts will be closed again. ONCE AGAIN DUE TO EXCESSIVE Claims. I spoke to 5 different reps. I advised them i do n't have excessive claims, and was not told of any stipulations i had on my accounts. Well the letter Wells Fargo emailed me about closure says i have been doing security risky behavior. I will attach these letters, i have not done any risky behavior at all. Wells Fargo is my main bank i use it to pay my bills, and rent. They are holding my Money now. I just redeveloped my relationship with them too by becoming a portfolio customer, opening my investment account ( Brokerage ) and following everything i was supposed to do. I have accessed my accounts properly, and have not misused my cards in anyway. 

Well the Rep is telling me now that, the same claims center sent another notification to have my accounts closed again DUE TO EXCESSIVE Claims. MONTHS later. I feel like this is unfair and harassment. They always do this when i actually need my money, and when they know i rely on my direct deposits going into the bank.
XXXX XXXX XXXX XXXX XXXX is refusing to delete derogatory information from my Trans Union Credit Report until XX/XX/XXXX. The account was charged off in XX/XX/XXXX and has been paid in full. Attached is a copy of my report showing that XXXX XXXX account # XXXX is not set to be removed until XX/XX/XXXX.
It was reported today ( XX/XX/XXXX ) that Equifax was hacked in XX/XX/XXXX and many, many consumers personal identifying information was compromised. According to their website equifaxsecurity2017.com, my data were among those stolen.
This company is calling XXXXXXXX times a day morning and night. Not sure why they are calling.
I see that XXXX charged off an account. They should n't have done that. I purchased a cell phone and service that did n't work. They made me wait and try different methods, try calling out and in but the calls would n't go through or would drop. Then, they agreed to take the phone back and cancel the service no charge. But, later I get a bill for $ XXXX.I disputed it. They claimed it was for one month service, that I made calls. ALL of the calls either did n't go through or dropped in a matter of seconds. They insisted and I disputed the charge. Finally, after going back and forth for months, I gave up and gave in. I paid the XXXX {$87.00}. Now, I find that their horrible business tactics affected my credit score. I want this charge-off deleted, please. It 's not correct. I should n't have had to pay them in the first place.
On XX/XX/18, I was contacted via voicemail by a woman who stated she was from MCOA, and asked that I call back. Once out of work at at XXXX I called the number back and, to which an automated line asked me to verify my personal Social Security Number, to which I did not provide ( at this point I believed the call to be a scam ). I reached a customer service agent, who then stated she matched my phone number to an account. She then stated they were calling regarding an unpaid photo - enforced traffic ticket that was almost four years old, and that it was for a speed violation in the XXXX of XXXX. I have never heard of the XXXX of XXXX, and the agent would not provide any further information, until I verified my personal information. I refused to verify any personal information over the phone, and requested a validation of debt be sent out. I was told they were unable, unless I verified my address. She also stated it could affect my credit record. 

I would like to note that I have never once recieved a ticket through the mail. The only ticket I recieved in my life was in XXXX, OH, and it was given directly from a police officer, and has been paid with reciept. I reached out to the XXXX, who confirmed there is nothing on my driving record, and recommended that I reach out to the cities clerk of courts to verify there is nothing there. I also checked my credit record to verify that there is nothing there. 

I then googled, " The XXXX of XXXX '', and came across the City clerks phone number, who transferred me to the police department. After speaking with one  of the officer 's, they stated that there is a camera in there town but only one person can pull up tickets in there system, and they are not currently in. I was then told to call back later and see. 

Being that I was never notified of the debt and that the collections agency, who waited four years to attempt contact, stated they were unable to send any validation of debt, this collections attempt is in violation of the fair debt collections act. While this may be a scam call, phishing for information, if the " alleged '' Debt is real, action should be taken against this.This company is obviously attempting to scam people out of their money on debts that never existed.
I was looking at " pending transactions '' on my smart phone and web browser and noticed that a transaction from XXXX XXXX, for a hotel stay, was still in pending status. I contacted the general number, and wanted more information regarding why it was still pending. The representative and I discussed the pending transactions but the pending transaction for XXXX was not on the company 's list. Meaning on all of my devices I see the " pending charge '' for {$100.00} for XXXX XXXX XXXX, but this is not on Citi 's system. During our conversation, the rep also mentioned a " pending charge '' from Best Buy for around {$700.00} which is not on my list of " pending charges ''. 

I am greatly confused regarding the difference between what consumers see as " pending charges '' versus what Citi sees as " pending charges ''. This also brings confusion to what actually my current balance and available credit limits are.