WillisBack/dataset-financial-user-claim huggingface dataset:
In XX/XX/XXXX, I had an emergency medical in XXXX XXXX NV - away from home. I was treated in ER and was hospitalized. Numerous bills resulted from hospital, ambulance company, other doctors that treated me. I requested payment plans with most of them. 

I received an invoice from XXXX XXXX XXXX, XXXX mid XXXX. I entered into a payment plan with them for {$25.00} per month XX/XX/XXXX. I did not realize the would not deduct the {$25.00} per month automatically like the other arrangements I had made. 

On XX/XX/XXXX, I received one letter from Transworld Systems Inc a collections agency letting me know they were trying to collect a debt from XXXX XXXX XXXX. I checked my file for all of my medical bills from my XX/XX/XXXX hospitalization and had no such bills from that name. 

I received two calls in XXXX one on XX/XX/XXXX and another on XX/XX/XXXX, both made to my cell number and from an off shore collections agency from XXXX with a very thick accent saying he was trying to collection a debt from XXXX XXXX XXXX. He asked me to verify by SSN and date of birth both times and I refused since it was an off shore company and call and I could barely understand the caller I told him I was not comfortable verifying my DOB or SSN over the phone and on both calls asked for a letter to be sent to my home address so I could verify the debt. I got no such letter. 

On XX/XX/XXXX I got an alert that a derogatory account was added to my credit bureau impacting my credit rating and score. I called the number on the notice through the credit alert and I called it about a dozen times, it would connect me to a voice mail that was full. So, I was able to finally connect with Transworld Systems on XX/XX/XXXX. They said they would go back to the doctor billing office and explain the confusion with the different names of the billing and the collections notice and basically said there was nothing that could be done. 

As of today, I have paid the collections agency in full for {$250.00}. Now, I want to dispute the collections practices. There was an error on my part when I set up the payment plan in XXXX for {$25.00} a month. I thought they would take the money out every month and they didn't and since it was not paid they sent to collections. 

The name on the Collections notice was for XXXX XXXX XXXX but the name on the actual invoice from the Doctor that I made the payment plan with was XXXX XXXX XXXX, XXXX. I did not know that the collections agency debt was for XXXX because the collections notice said it was for XXXX. 

When the collections agency called me on XX/XX/XXXX and XX/XX/XXXX I would not verify my info and I asked for a letter via mail to verify the debt. Neither call resulted in a letter and therefore they did not allow me to verify the debt. 

Transworld Systerms Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Spoke with XXXX XXXX I spoke with Tranworld approx. 7-8 times to resolve this.
On or about XXXX XXXX, XXXX, I was approved for a Barclay credit card. When I Whehn I When I applied, I was comparing XXXX different cards offering 0 % interest. 
The Barclay card offered 0 % interest for 14 months and I decided on it. 
I was approved for a {$2000.00} credit limit and was told I would receive anemail with the terms. I never received that email. 
My first billing statement showed no interest being charged, as expected. 
However, my second billing statement showed interest of {$25.00}. 
The third billing statement showed interest of {$3200.00}. 
The fourth billing statement has interest of {$34.00}, even though thebalance was less than last month. 
This was definitely a " bait and switch '' offer. I usually print out the termsof any offer or purchase I make online, but was n't given that opportunityby Barclay and was told I would receive an email from them, which I did. 
However, they did nothing except tell me I was " approved ''. I received noterms either by email nor by regular mail. 
When I called to complain, I was assured that, yes, I did agree to 24.99 % interest. There is NO WAY I would ever have even applied for this cardat that rate. I immediately cancelled the card. I did n't need it and onlyapplied in order to do some home remodeling at 0 % and then do abalance transfer from my other card. Now I 'm stuck paying off XXXX cards, the Barclay card having almost XXXX the interest rate as the XXXX XXXX I usually use. So far, this false/deceptive advertising has cost me {$92.00} since XXXX XXXX, XXXX, when it was supposed to be {$0.00} untilFebruary, XXXX. I attempted to attach the statements showing theinterest charges but was unable to do so. I will provide them if and whennecessary. Thank you.
I received a mail offer for a credit card from First National Bank of Omaha for a XXXX XXXX credit card. The offer stated that there would be a 5 % transfer fee on all balance transfers and then an 8.99 % APR for the life of the transfer if done within the first 3 billing cycles. I applied and was accepted. After receiving my card the terms were different. They stated 0 % XX/XX/XXXX until XX/XX/XXXX then 23.99 % after that. I called the credit card company and they advised their original offer was a " typo '' on their end. I then contacted the BBB and 2 weeks later on XX/XX/XXXX I received a letter from First National Bank of Omaha saying they will honor the original terms. And, the interest would be 0 % until XX/XX/XXXX and transfers would be 8.99 % after that for the life of the loan. Today is XX/XX/XXXX and I am still unable to make the transfers because the bank has not fixed the terms on their end. I am accruing interest on the cards I want to transfer daily. I just want them to do what they said they were going to do. I have called and sent several emails to the bank and have spoken with countless managers and supervisors. They have all stated that they do not know when I will be allowed to make the transfers because they do not know when the terms will be updated. This is ridiculous. I do not understand what is taking so long. Please help.
I filed a dispute with Equifax for an account that I do n't believe to be mine. The XXXX dispute was submitted on XX/XX/XXXX claiming fraud. The dispute was resolved within days saying that everything was verified. I submitted a second dispute also stating fraud on XX/XX/XXXX. I requested verification and a signature from them. This dispute was also completed in a few days and i received the same cookie cutter response from the first one. I submitted my third dispute on XX/XX/XXXX telling them once again that i needed the signature from this collection agency as proof and that this was fraud. On XX/XX/XXXX they sent me the results. It was the same message from the first two disputes. I had called them to try to explain what was going on and requested since the collection agency was reporting to the credit bureau while this item was being disputed and they failed to provide me the correct information, that i wanted this removed immediately. They are still reporting this. I am more than willing to bring legal action against both the collection agency and the reporting agency if this is n't resolved. I need assistance with this please.
Embarrassing phone calls made to my work of employment, harrassments made to my supervisor as well myself. I am currently a single mother trying to get a place for my son and myself, no vehicle and recently divorce.
I paid all but my last payment with a mortgage with " Mr Cooper '' aka Nationstar. My XX/XX/XXXX payment I sent in the amount in the statement including principal and interest in the amount of {$600.00}. They sent back this XX/XX/XXXX payment. If you go online they state they need {$25.00} in order to provide a payoff amount. They said several times they would reverse the late charges. I can't tell what the payoff amount is and what is required to pay this off. They said they would reverse late charges several times. It was not done. They said they need payment in certified funds. I asked if that is in the loan agreement as I'll meet the terms of that agreement. Several reps said they don't know. 

The payment is now a month overdue, I've tried multiple times to pay, they said it has to be in the exact amount and in certified fund. I don't think that is in the agreement. I want to pay but they will send back any payment other than in certified funds. 

I recently paid off a mortgage with another bank and it was easy. I just paid with a regular bill paying service.
Also, XXXX  have two social security numbers reporting on my credit file, XXXX, and XXXX. Update and remove these as this may have caused the fraudulent reporting. 

Remove this address from my credit report, XXXX XXXX XXXX XXXX XXXX, MS XXXX, this is a fraudulent address being reported. 

My credit report stated that listed below have been verified and/or updated on my report. I am now exercising my right per FCRA, 611 ( a ) ( 6 ) and ( 7 ) for your method of verification. 
Your method of verification should include EVIDENCE such as the name, address, and telephone number of anyone from the ORIGINAL CREDITOR/Furnisher XXXX  contacted PER 609 ( a ) ( 2 ). 

All the accounts listed below who furnished this inaccurate information should be blocked on my credit report because of identity theft or fraudulent accounts. I tried to file an FTC report by the website is curerently down. Equifax, XXXX, & XXXX   should have procedures to prevent the re-reporting of this information per FCRA 623 ( a ) ( 6 ) ( A ) and delete and permanently block its reportings because the information is inaccurate and cant be verified per FCRA 623 ( b ) ( 1 ).

Per 15 U.S.C. 1681i ( a ) promptly delete information found upon investigation to be inaccurate or unverifiable. Section 607 and 605 B, you must insure maximum possible accuracy of the information contained in my report.
Payments were made to collection agency and then account was proven to have been fraudulent transactions. Collection agency has been giving me the run around concerning returning payments made even after I have provided letter from original creditor stating charges were not mine and also stating that payments were not returned to original creditor when the loan was
On the date of XX/XX/XXXX, I made a phone conference to customer service of Equifax and they told me that I did not have any record of me because all of my credit report mixed up with my sister and my sister has same First name and Last name, but different Middle name, different social security number and different date of birth. Therefore, they asked me to fax the copy of my ID and SSN. On the next day, I faxed all of my documents to them. However, I checked with them after three weeks later ( XX/XX/XXXX ) and they told me that they did n't receive it so they asked me to fax it again and check back after 48 hours. On XXXX, I checked back with them again, they said they still did n't get it and asked me to fax again with another fax numbers. Then they asked me to check back after 48 hours again. On XX/XX/XXXX, I called them again and then they told me that they did n't receive it and ask me to fax it again. On the same day, I mailed my document with express mail. On XX/XX/XXXX, I checked back with them, they said they did n't get my fax and they also told me that they need 7-10 business days to find my mail. Equifax is the only one Credit Union that did n't have my credit report. XXXX and XXXX both had my credit report and did not mix up my report with my sister. I really wonder how Equifax solve the problem of customers because they prefer customer to fax the document to them, but they never get the information from the fax.
My Chase United Mileage Plus credit card statement for XX/XX/XXXX, copy attached, shows a credit balance of {$10000.00}. There are 174 credit items listed. The XX/XX/XXXX item for {$3600.00} is the payment on my previous statement. Six items, for {$0.00}, {$99.00}, {$98.00}, {$89.00}, {$5.00}, and {$1.00} were previously identified to Chase as fraudulent. The last three credit items, for {$19.00}, {$14.00} and {$14.00} are correct credit items. The remaining 164 items are erroneous reversals of credit transactions I have previously paid for on my XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX statements. 

I notified Chase on XX/XX/XXXX of the serious error on my account and that it was going to cause serious repercussions on my credit standing. My dentist 's office called me to advise that {$700.00} I had previously paid on my account had been withdrawn from her bank account by Chase. I received a call from XXXX XXXX XXXX XXXX regarding my account. I advised the caller that my account, which I had closed, had been paid in full. The XX/XX/XXXX Chase statement show that four XXXX XXXX XXXX items totaling {$910.00} had been withdrawn from their account. Today, XX/XX/XXXX, I received a call from a collection agency regarding money I owed XXXX XXXX XXXX XXXX. 

I have contacted Chase weekly since my initial call. I have spoken to representatives in their Fraud and Recovery departments. The first Fraud person I spoke with told me all the items were fraud. The Recovery person told me my account would be corrected in a week. Subsequent calls all received unsatisfactory response. 

My credit rating has already been reduced substantially.
My banking records were subpoenaed from Bank of America, by XXXX XXXX XXXX XXXX. The attorney illegally pulled records, in an effort to track down my personal information. According to XXXX court records there is no judgement against me. In fact, the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, 2016. So how were XXXX XXXX XXXX able to subpoena bank records? Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, does not have proper documentation to subpoena bank records and does not have a judgement pending against me. 
What 's worse, Bank of America mailed the subpoena to me on XXXX/XXXX/16, according to metered stamp envelope. It was received on XXXX ( Sat ) and the papers were released to XXXX XXXX XXXX on XXXX/XXXX/16, according to bank 's representative who spoke with the bank 's legal team member. I had only XXXX working day ( XXXX ) to refute when I am leglly allowed XXXX business days.I was not able to speak to the bank 's legal dept which is a rule that needs to be changed and made the issue more complication that it was. I needed accurate information and be able to hold someone accountable for the informaton given.
i have an account that you are reporting that is not mine my information was stolen and used to open up this account but this company is still reporting it on my credit and has it on their files to collect
I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost?
I have a mortgage and escrow account with Wells Fargo. In XX/XX/XXXX, I received a Real Estate Supplemental Tax Bill form The County XXXX, Virginia XXXX XXXX ). I called Wells Fargo to insure that the bill would be paid & gt ; I was told that there was no need to send the bill to them because it was early and that they would request the bill form XXXX XXXX County in XXXX. The payment was made after the due date and the County issued a {$150.00} fee for late payment. Wells Fargo took the fee from my account and labeled it ( MISC DISBURSE ). 

I noticed the ( MISC DISBURSE ) of {$150.00} and call to inquire about the missing funds. I was told that because Wells Fargo was responsible for the payments and were notified, I would be refunded. a few months passes and I called back to find out why I had n't been refunded and was told that the order was initiated to correct the problem but the funds had not been transferred. I was again told that the problem would be fixed. 

Today XX/XX/XXXX, I called and was told that the fault was with me and that they were correct to charge me for the late fee.
Never received a bill for my amount due. Contacted Kohls and paid the balance and requested paper statements. Kohls filed a bad report on my credit report and it brought my credit score down almost 80 points. I think this is unfair.
A law office has been contacting me up to XXXX times a day about me owing money to a school since I had taken out a loan and did n't finish the semester. Things happen in life and I obviously do n't have the money to pay the entire amount of the loan at this time or even an eighth of the amount. If I had that type of my money then I obviously would have just paid the tuition out of pocket rather than taking a loan out. All my other school loans are in deferment due to unemployment. This guy " XXXX XXXX '' talks very rudely to me and even had the nerve to ask me if I had any family or friends that could pay this " problem '' he referred to it being. I 'm tired of getting these rude and very unprofessional calls daily. I would like to not be contacted again. I know I owe the money and once I get a job and get stable in life then I will pay on the loan.
On XX/XX/2018 I received a payment in my PayPal account for a item I sold for {$370.00}. PayPal promptely put a hold on the funds for 21 days. On XX/XX/2018 the money was realeased to my PayPal account. On the same day I transferred the money into my checking account at XXXX XXXX. I was then told by PayPal there would be another 24 security hold before the money was transferred. Today XX/XX/2018 the money was still not in my XXXX checking account and my PayPal account is showing a XXXX  balance.I called PayPal and was told that the money was in a clearing house and it would be another 5-7 business days before it would get to XXXX XXXX. We are now looking at at least a month to get my money. And PayPal keeps changing the story. Since the money is not showing in ether account, I can only conclude it was stolen by PayPal.
Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 

The account is compromised, and I 'm not sure what portion of the balance on the account is even mine at this point. I 've been cut off from managing it and XXXX ( and its partner bank ) are non responsive. 

I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 

Account number : LAST XXXX - XXXX ( Not really a credit card, but a line of credit linked to a XXXX account that ONLY works with a XXXX account XXXX
I closed on my home XX/XX/XXXX. My mortgage was {$1200.00}. I received a statement in XX/XX/XXXX that my mortgage was increased to {$1600.00} due to an escrow shortage. After speaking with my loan servicer ( Land Home Financial ) I was informed that I didn't have enough money to cover my taxes. {$2400.00} was paid by the lender since I didn't have enough money to cover in my escrow account. They are charging me the overage amount. I did not take ownership of the property until XX/XX/XXXX so I was not responsible for XX/XX/XXXX taxes. I don't see how the loan servicer can use my escrow to pay taxes for a year when I did not have ownership of the property when the dates are on the tax bill. I don't understand why they mortgage broker was contacted AFTER the loan servicer already had paid the taxes from my escrow instead of prior to. I spoke with the mortgage broker whom stated to me that the Title Company ( XXXX XXXX XXXX XXXX ) didn't pay all of the liens during closing. I submitted a complaint to the title company and it was discovered that the seller did not pay the XX/XX/XXXX taxes. The title company subsequently denied due to they had no way of knowing this at the time of closing and stated to me that both attorneys for me and the seller should've caught this. I spoke with my attorney that did the closing and he stated to me that the title company is responsible because they estimated my taxes incorrectly. He said I got credit the taxes at closing, however, I only got credit for XX/XX/XXXX not XX/XX/XXXX since the seller was suppose to pay those taxes. He stated if the seller didn't pay the XX/XX/XXXX taxes that I would have to go after him, but at this point I would get no money. He offered little help and showed no concern that he did do his due diligence acting as my attorney. If the seller did owe XX/XX/XXXX he and the seller 's attorney should've made sure they were paid or I got credit. If the title company did estimate figures incorrectly at closing and he was aware of this, he should've stopped the closing process until they were done right. This is my first home purchase and this has been a very stressful experience by far. Since my XX/XX/XXXX taxes have been taken out of escrow my mortgage has again increased to {$1700.00} effective XX/XX/XXXX. My escrow account has not been refunded and I am left stuck with being penalized for XX/XX/XXXXtaxes and nobody will do anything to correct this error. This is my last recourse, as I am depleted of the little savings I had to pay the overage and have fallen behind in other bills, including my mortgage payment. My credit has suffered and I am at a loss. Please help.
Our office represented XXXX and XXXX in the short sale of their home located at XXXX, XXXX, NJ XXXX. An approval for a short sale was received from Rushmore accepting a certain amount to payoff the mortgage granted by Mr. and Mrs. XXXX against the premises. The closing of the short sale took place on XX/XX/XXXX and a wire for the agreed amount was sent to Rushmore the next day as the closing took longer than expected and buyer was not able to send out the wire on the XX/XX/XXXX ( with the approval of Rushmore 's negotiator ). Rushmore accepted the wire the next day and their file was closed. Although our office and the title company has requested a copy of the Satisfaction of Mortgage/Release of Mortgage, Rushmore has not submitted one for recording in the County Clerk 's office and have refused to provide information on the release claiming that it needs to be requested in writing signed by the homeowner as our office is no longer authorized to speak on behalf of the homeowner. Rushmore has had 8 months to file a satisfaction/release and Mr. and Mrs. XXXX have not been the owners of the property since then therefore they do not feel comfortable authorizing anyone to obtain information on a mortgage that has been paid off as they were forced to give up their residence as they did not qualify for a modification.
The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call.
I received my fico score today XXXX/XXXX/XXXX, showing I have delinquent accounts on my account that are way over due and I had a 796 credit score and they dropped it down to 700. Since my claim my score has continually risen. I have not taken any loans out or have any delinquent or late payments on anything. I called the credit bureaus and received continuous robots telling me to buy my report. I want this investigated because it is n't true and I want this removed what ever it is. I believe this is in retaliation.
I had an account with XXXX XXXX. When I moved, I took the rented equipment with me. The supervisor advised me to use it with my new account. The representative removed any new equipment off my order since I already had it. I received a bill saying I owed XXXX for unreturned modem. I called and explained. They said they would fix it. I kept receiving bills and kept calling. I finally just cancelled the service and returned the modem. I explained why I was cancelling. They sent me a postage paid box and I used it to return the modem. They are still charging me but I gave up calling months ago.