WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX called me from MiraMed and did not give the mini miranda. She told me that I owed a debt in the amount of over but around {$410.00}. She verified my name, address, zip code, and XXXX. She asked me if I would be able to pay on the debt and I explained to her that I was not able to as of todays date being that I have been in and out of the hospital recovering from 3 XXXX XXXX within a 6month period, with my first XXXX back in XX/XX/XXXX, 2nd was in XX/XX/XXXX, and the XXXX on was in XX/XX/XXXX. I am going to have my 4th XXXX in XX/XX/XXXX. I also told XXXX XXXX that I was not aware of any medical debts that I owed because I have not been back to that address which she verified. I told her that Ive been in recovery from a different address. I also told her that I had insurance at the time and was under the impression that my insurance company paid for my Dr. visit. She became rude and wanted to put me off once I explained to her that I am not working at the time because my Dr wont release me to go back to work being that another XXXX  XXXX is imminent. She continued to ignore me. I advised her that I am not refusing to pay but I dont have a job, I have no income and I would have to speak with someone to get help. She said that {$25.00} was the minimum payment so I advised that I would try to resolve it if she would notate that I would call back and make the payment in a couple of weeks. She got rude with me and said that she cant do and told me to call back once I could make a payment on the account. I advised that I needed some kind of future documentation and that I am not refusing to relsolve this debt but I had to get help being that I dont work and I was not aware of this debt being that I was insured. She literally ignored, I told her she was not listening to me, then I asked to speak to her supervisor. She got rude saying call back once I can pay. Again I asked to speak to her supervisor I asked for her name earlier. I aso wanted her to know I was not refusing to pay on the debt, I just needed more information and time to speak with someone to help me pay on the debt. As I was talking she hung up on me. 

I called back spoke with another representative and asked for a supervisor. She told me her name but refused to give me the name of the rep by the name of XXXX XXXX who hung up on me. She place a male by the name of XXXX XXXX on the phone i advised to him that I was hung up on. I also advised I was not refusing to pay or refusing to resolve this debt. He told me that he would listen to the call and then he apologised. He also told me that he would remove my number from their call list, I advised him that I never asked him to do that but he could if he wanted too. He then asked me when would I be ready to pay and I advised him the same. I asked him who the VP of th agency was and he told me that the name is XXXX XXXX. I told him that being that its my 1st time speaking and knowing about this debt,, I would need to get some help and I let him know that I would pay the $ XXXXminium within 2weeks. He did say that he would send me a document showing my promise to pay, he referred to it as something. We ended that call.
Capital One raised my interest rate on my current bill. I received NO notice by phone, email or standard mail to advise me that this hike was about to occur. Just prior to receiving this bill I made a purchase with this card. If I had known that this hike was about to occur I would have used a different card. XXXX with a lower interest rate. When I called to complain they told me my card was an adjustable rate card which once again I had no knowledge of that if it is indeed an adjustable rate product. When they sent me the original solicitation to sign up for the card a number of years ago that stipulation must have been hidden in the fine print. On both counts Capital One was deceptive at best.
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$350.00} -- Called lender stated the account was not past due. 
XX/XX/XXXX Late Payment - {$700.00} -- Hung up on by lender. 

My wife and I are both listed on this auto loan - her credit report shows no late payments, mine is flagged with late payments. I 's the same loan. The loan is now paid off and I 'm still getting hit with late payment notices. 

My suspicions are some one is in the background playing around with this account because of who we are. We paid the loan off on XX/XX/XXXX, cleared on XX/XX/XXXX. As you can see I am still getting flagged with late payments. 
And as of XX/XX/XXXX we are still waiting for the title. 

The lender is XXXX XXXX XXXX. This institution has thrashed my credit.
For the last 2 years I worked with my mother, XXXX XXXX XXXX to move all of her assets into her trust. We were able to accomplish this task mostly without pain except for her US Bank accounts. 
Even though we went together several times, bringing all the required ID and documents, we could only get 1/2 of her accounts into the trust and that was only after her trust attorney intervened, called the bank and gave me an affidavit. 
My mother died on XX/XX/2018. I am her executor and trustee. I was able to get checks for the CDs that were in her trust, however I am getting the run around again for 2 IRA CDs which they claim they can only access through their IRA dept. Again, I gave them the documentation including the death certificate, the will naming me as executor and the trust naming me as the trustee. I was at the bank on XX/XX/18 and was told I would hear something the next day. I didn't get a call on XXXX., so I called for an update. I didn't get a call back but rather a vaguely worded email stating that since the bank that issued the original CDs was an acquisition they would need to get the 'green light ' to disclose the beneficiary information to the banker. I responded asking for an ETA but never heard back. 
If the CDs have a beneficiary, I need to know that so 1 ) we know whether we need to go to probate court because we'll be over the limit if there is no named beneficiary and 2 ) I can tell whoever is the beneficiary to collect and cash in the CD in order to execute the will. 
I will be leaving town for a month beginning XXXX XXXX and would like to resolve this issue before I leave. 
The people I was dealing with at the XXXX IL branch of the US Bank are XXXX XXXX ( XXXX branch manager ) and XXXX from the XXXX Bank. 

Thank you. 
XXXX XXXX XXXX TTEE for XXXX XXXX XXXX Trust
This account XXXX XXXX XXXX is showing on my credit reports as a closed account which I have no account that I have opened and it shows closed 2 years ago. From reading other complaints similar here on consumer finance I'm requesting to please delete this misleading information in order to show my true credit history. By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand that the following items be re-verified and deleted from my record.
I was issued a credit card at Macy 's but my address was incorrect due to an error of Macy 's. I made a credit card purchase of {$24.00} but never received an invoice or billing statement. Macy 's referred my account to collection without ever sending a bill to my correct address, and has now added additional fees of {$260.00} for a total due of {$290.00}. I have called Macy 's on XXXX, XXXX, XXXX, XXXX, and XXXX attempting to rectify this collection issue and agreeing to pay the original amount charge of {$24.00} and informed multiple representatives of my correct address. I have repeatedly asked to speak with a supervisor, which has repeatedly been denied. I sent the company a written dispute letter, for which there has never been a written response. I have never received an original bill for the purchase I made, nor given opportunity to pay the amount I owe, which is in violation of the FCRA. The address error is fully and completely a fault of Macy 's. Before collection proceedings began I should have had full opportunity to pay my bill, but never received XXXX due to Macy 's error, not my own. My account should have never been referred to collection at all, and I have agreed repeatedly to pay my original purchase amount. The company refused to take any payment while the account was in dispute, but continued to charge outrageous fees. As of this date I have not received written communication even though Macy 's is fully aware of my correct address given to them repeated by telephone and in written communication.
I XXXX XXXX XXXX have been receiving debt collection letters for over a year now for a property that was awarded to my EX-WIFE in the divorce. she let it become repossessed and is refusing to pay the debt for the property which has now gone to collections. Since it was her as awarded by a judge in the divorce proceedings the debt is hers.
On XX/XX/XXXX, I got an alert stating that Equifax has a potentially negative unpaid balance from XXXX XXXX XXXX for {$630.00}. Ive never heard of or received any type of communication from XXXX XXXX XXXX. Incidentally, Equifax wont even send me a FREE annual credit report, NEVER signed me up for ( ID THEFT protection ) due to their recent XX/XX/XXXX database breach of id theft, which exposed millions of Americans. 
I dont know whats going on at Equifax. Every time I try to get a credit report, Equifax doesnt know WHO I am.
I have been awaiting a Lien Release from XXXX XXXX XXXX XXXX XXXX ever since the buyout from XXXX XXXX XXXX, XXXXsince XX/XX/XXXX2013 and would like to find out what I need to do to obtain this information. I have already contacted XXXX and they state it needs to come from XXXX XXXX XXXX XXXX XXXX 

I would like to have this matter solved soon. This has been an issue when one company sells out to another and does not take responsibility for the customers needs that should have been taken care of originally.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against IC SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
I have contacted TranUnion on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX/XXXX XXXX/XXXX/XXXX 2 ) XXXX XXXX 3 ) XXXX/XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by TransUnion and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN :  XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues
I received a forbarence, was not communicated he process. I have also been dealing with medical issues, Now they are trying to charge me extra for not understanding!
Back in XXXX I stayed with the XXXX Hotel in XXXX, Az for XXXX nights. XXXX of the nights was paid for with my debit card and the other XXXX nights I paid cash which was {$340.00}. I did not pay cash until I checked out of the hotel so my debit card was pending authorization for my stay. After waiting a few days for the money to go back on my debit card it was to my surprise that the hotel was still authorizing my debit card after I was no longer staying there. I realized this when I had tried to make an ATM cash withdraw and my debit card was declined. I immediately got online to see what was going on and at this point I went straight to the hotel to inform them and to get my money back. After an hour in a half standing at the front desk of the hotel XXXX of the employees and the manager released my funds. It took XXXX days for the money to go back into my bank account and once it did it was immediately taken out. I called customer service with my bank and was wanting to put a block on my debit card for the XXXX Hotel, but per BMO Harris I was advised to close my debit card which is exactly what I did. XXXX days after closing my debit card and already having a new debit card and using it my bank account went into the negative for over {$1100.00} and it was because my bank authorized the charge with the XXXX Hotel. This time I immediately went into my bank to handle this. Not only was the banker at the branch not understanding why this had happened, but the XXXX people he had spoken to on the phone were also baffled with what had happened. I ended up filing a dispute which I was complaining about having to do since this was clearly something that was XXXX 's problem, but I filed the dispute anyways. Within XXXX days my account was back in positive standings and that was that. XXXX months later my account is back in the negative due to XXXX denying my claim which is why I am filing this complaint today. I have spent hours on the phone with BMO and I can never speak to anyone who works directly with the claims department. Instead, I am always having to speak with a CSR who has me on hold for XXXX minutes so they can read the notes and then on hold again so they can speak with someone directly in the claims department and the conversation ends up being me on hold while they talk and come back to tell me what they said. Last week after XXXX XXXX hour phone calls and still my bank account is in the negative I feel as if I have no other choice than this.
have been in a foreclosure for 7 yrs mortgage company finally foreclosed because of fraudulent docs.i have proof of fraudulent promissory note as well as fraudulent deed of trust finally the mortgage company got the documents it needed forged they never had a valid deed of trust with proper signature or a promissory note with proper signature, But hey got this papers forged .I have papers where the notaries stamps are marked out I have papers that state the note was lost and they are adding in a blank note which is illegal I need help to stop the sale of my property which is up for sale on XXXX XXXX 2016 I cant take this case back to superior court and the XXXX board of appeals will not consider any new evidence in this case so I would like for criminal charges be filed against the XXXX attorneys and the judge that handled this case but I fear for my life as well as my family based on a case that was filed against a judge and mortgage company out of XXXX XXXX .the judge that ruled on this case in XXXX XXXX XXXX the person he ruled against was called SUNNY XXXX OR XXXX LAST NAME XXXX XXXX or XXXX was found dead shortly after .I know that the attorneys for the mortgage company has international ties so that is my problem of being murdered if I bring charges against attorneys and mortgage company as well as the judge who ruled on this case.But I will not be intimated by fear I am XXXX yrs old so if death be an issue in me persuing just by these crooked lawyers and judges let it be but I want these XXXX prosecuted.
I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance
Please help! Had car loan with Key Bank - car was totaled in XXXX 2016. Insurance company sent three checks to bank. Last one finally deposited. GAP insurance sent remainder of balance to bank. Bank lost check. I continue to be charged the monthly payment even though it should have been cleared in XXXX. Please help! No one at Key bank will help me
Upon graduation, I had went into immediate repayment. I was unemployed at the time. I contacted Wells Fargo about the loan and they said the only thing they could do was I make a XXXX month payment before I could get a XXXX month forbearance. I had XXXX months of unemployment and then when I did finally get a job, it was part-time at minimum wage. I called and went back and forth with Wells Fargo for a couple months when it went back into repayment, unable to get a lower payment or any options for assistance. During that time, I could n't make any payments which put me behind on my loan. I convinced my boss to give me more hours and managed to scrounge up the monthly payment and made XXXX consecutive payments to keep from defaulting but I still was n't able to catch up. This resulted in many calls, almost daily, from Wells Fargo while I was at work, very early in the morning, or past my bed time. Even if I was capable of answering their calls, they would n't offer any assistance and were just demanding that I pay the full past-due amount, which I could n't do. They have also sent monthly notices about my loan being XXXX payment from charge-off. Now that I 've finally secured a full-time job this past month and can make the monthly payments without too much struggle, the last payment did n't go through for some reason. I called in the morning of the next business day, since they were closed for new years and the day after, only to find out they charged off my loan and now I have no options to rectify the situation at all. Not even giving me any business hours to rectify the payment I had tried to submit before. So now my loan is headed to default as I ca n't pay in full once it goes to the collection department.
The XXXX of the company XXXX XXXX Is A XXXX, And The Company Is Very Dirty, Not Only Charged me 3 Times as much as the car is worth, but also would n't work with me to help me keep my car, even Tho XXXX XXXX Lied and said he would, I had {$4700.00} left on a {$13000.00} Loan, not gon na lie I fell on hard times, and let them know that I 'd be missing some payments, but when I got back on track I 'd resume payments, also told XXXX XXXX that if I fell too far behind to call me and if I had n't made a payment I would, but instead of calling me, he just waited til I called and tried to make a payment, but instead of letting me resume payments, he threatened to put a warrant out for my arrest, even tho he knew I already was facing legal troubles, they claim that they try to help you avoid collections or repossessions activity, but that 's a lie, they 're just crooked money hungry bloodsuckers, also would n't even give me time to get important, valuable property out of my car, cause the car was at mechanic shop at time of repo, and actually if you also include all The repair work I had done on the car, even tho my loan was n't paid up I had still paid XXXX times more than the car was worth ... There really should be laws in place that protect consumers that have invested alot of money in something especially if it 's more than half, from XXXX like FIRST PEACHTREE FINANCE INC. And They Did n't Even Offer To Let Me Refinance.
Experian is not responding to any of my requests to investigate, verify and remove one account from my credit report that does not belong to me.
While on vacation out of the country, the local branch of One Main financial attempted to contact my phone repeatedly every 10 mins. Then contacted my mother in Oklahoma. This is harassment and unacceptable.
I was a customer at Bancorp South. My checking account came with fees and thats understandable. I had maybe.XXXX cents in my account when the bank assessed a fee of {$10.00} for my monthly fee which through my account in the negative. Then the bank charged me a countinuous overdraft fee of {$36.00} beacuse when they assessed the {$10.00} fee it through my account in the negative. Then the bank assessed a fee of {$5.00} because i had the XXXX XXXX card and it came with a yearly {$5.00} fee. They then closed my account after 30 days because of the negative status. Now the bank has turned me in to the XXXX company as if i was writing bad check or something. And then they sent me to a debt collector saying i owe them XXXX something dollar.
Merchant charged my credit on XXXX/XXXX/XXXX in the amount of {$150.00}. I called merchant to let them know I have already canceled my service. Merchant refunded full amount of {$150.00} on XXXX/XXXX/XXXX. I wrote to Chase Bank and filed dispute. Chase removed the charge and then reposted in my account. I even attached a copy of the receipt to show that merchant had refunded all credit. I wrote to them a few times but never heard from them. Please help. Thank you.
the collection agency is GLA collections, i was contact by GLA collection agency about a medical debt what i owed the XXXX hospital, when i called the hospital i was told that i do n't owed them anything.i do remember that i went to a hospital and the bill was paid by a XXXX because i was unemployed and i was gave a form to file out for the debt to be taking care off.