WillisBack/dataset-financial-user-claim huggingface dataset:
I went to the emergency room ( XXXX Hospital, operated by XXXX XXXX XXXX ) in XXXX 2015. As prompted, I offered my credit card information to the financial team, and they began billing me monthly, in the amount of {$510.00} dollars. 

I have statements from XXXX indicating every XXXX of these automatic billings, on time, and without any issue. 

However, I have recently received collections notices from a collections agency named " AllianceOne '' which claim to be on behalf of " XXXX XXXX XXXX XXXX ''. This is unexpected, as XXXX XXXX XXXX is still billing me, as expected, for {$510.00} per month. 

I have officially disputed the validity of the debt with AllianceOne, but have received no indication from them of the validity or proof of the debt. I have contacted XXXX XXXX XXXX multiple times ( over phone and email ) and have left messages with their human resources and their financial departments, but have received no response, email or otherwise. 

I received XXXX additional letters from AllianceOne this week indicating a different debt amount, and still no indication that they have received my dispute of debt ( sent approximately the first week of XXXX 2015 ). 

I am concerned that this may be a fraudulent collections attempt, as I am still being charged as expected on the XXXX-month billing cycle for treatment through XXXX XXXX XXXX, and have not been delinquent on any payments. 

Thanks,
My wife and I filed for Ch. XXXX  b/k in  XXXX    XXXX  .  XXXX   XXXX  and  XXXX  both list this correctly. However, Equifax refuses to show this correctly. They show a Ch. XXXX  bankruptcy, which never occurred, causing us a hardship when applying for credit. I have repeatedly tried to contact them to no avail. Ca n't get through via phone, and their online dispute process never actually works - just error messages.     Additionally, Equifax lists several of our creditors as included in the non-existant Ch  XXXX  bankruptcy. Again, disputes filed, no resolution. Please help!
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XXXX of XX/XX/XXXXto all my creditors. When the cease and desist was sent in XXXX of XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my XXXX, as I had no other means of meeting my responsibility. Since then I have settled wit.h XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.XXXX XXXX XXXX did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. XXXX XXXX XXXX simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
Bank is n't updating it 's transactions with active hours so I ca n't transfer money over to my account.
Several related complaints : 1. Cach , LLC purchased the original debt from XXXX ( managing company for XXXX XXXX XXXX ) 2. XXXX XXXX was the attorney collecting for Cach , LLC. 
3. XXXX successfully began a wage garnishment from my employer. In a discussion I had with this company, they lied about the original amount and said they were asking for {$250.00} per month. The amount is actually {$250.00} per biweekly pay period. This should be available on the recorded line we spoke on. 
XXXX. XXXX XXXX XXXX somehow became the new debt collector, taking over for Cach , LLC. in the collection process. 
4. XXXX XXXX XXXX began collecting for the full amount of the debt, and claimed no prior knowledge of the payments that I had been making for the past two years and also claimed no knowledge of the garnishment. They just started collecting again for everything. I explained they were collecting double and was told this was for a different debt. It is not. 
5. On XXXX I spoke to XXXX XXXX XXXX and was told my existing balance was {$1000.00} and that the last payment was made on XXXX/XXXX/16. 
6. I asked XXXX to note my account with the following information : The payment for {$250.00} that was received on XXXX must have been from my XXXX paycheck. On XXXX and XXXX I paid {$250.00} out of each of those paychecks as well. So, according to my calculations, I would only owe {$580.00}. 
7. I requested a copy of the last statement they sent my employer, with the amount they say I still owed. The representative I spoke to refused to provide this information, telling me to get it from my employer ( again, please listen to the call recording ). 
8. After some discussion, I was told that XXXX XXXX would call me back and let me know if they could accomodate this request. 

Complaint is for collecting for a debt that already had a wage garnishment in progress, not providing correct information, misrepresenting themselves as a branch of the government ( they sent documentation that I was being sued again ) and refusing to provide information when asked about this debt. 

Additional complaint is about the interest charges. I am being charged interest on interest and the payments I made are not going to the principal first. The interest rate and fees that I have been charged have been grossly unfair.
XXXX states that I still owe a debt - and still shows a derogatory status on my credit report when in fact they issued me a XXXX that I filed with my 2016 tax return which was then considered as income to me and I had to pay taxes on it. They have already written the debt off as a profit and loss and I have already paid taxes on whats considered income because of the XXXX. 

I have tried to resolve this matter directly with XXXX, XXXX, XXXX & Experian. No one will remove this inaccurate information form my credit report.
Bank of America debited {$33000.00} from my savings account when my wife wired money into my account to purchase a home. Unknown to me, BofA debited the money from my account without consent and without notification. The second mortgage debt had been discharged and I received a XXXX tax statement for the debt already. I called the bank and they would not give me any information about who collected the debt and I could not dispute or make a fraud claim against the {$33000.00} electronic debit from my account. We were not able to purchase the home we had a contract on and lost {$1000.00} deposit and other fees totaling about {$2200.00}. I still have not heard from the bank or received any written or oral message about where the money went and how I can dispute the electronic debit.
On XX/XX/2015, I received financing for the purchase of a used vehicle yet to be determined. XXXX XXXX XXXX XXXX ran my credit with my authorization and gave me the go ahead to find a car and they would finance it. I went to XXXX dealers and they both said they would not run my credit unless it was a soft inquiry and it would n't show up on my credit report. I then received XXXX new inquiries on my transuion and XXXX reports, which just showed up when i ran my XXXX report.
I am writing to request several credit inquiries that were unauthorized be removed from my credit report. On XX/XX/XXXX, I received a copy of my credit report and became aware of 18 inquiries that I did not authorize. They are as follows : 1. XXXX XXXX  XX/XX/XXXX 2. XXXX XXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXXXX/XX/XXXX5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXXXX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XXXXXX/XX/XXXX 9.XXXX XXXX ( 2 )XX/XX/XXXX10.XXXX  XX/XX/XXXX 11.XXXX XXXX XXXX XX/XX/XXXX12. XXXX XXXX XXXX XXXX ( 5 )   XX/XX/XXXX, XX/XX/XXXX13.XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XXXX  XX/XX/XXXX15. XXXX  XX/XX/XXXX16 XXXX XXXX XXXX  XX/XX/XXXX17. XXXX XXXX  XX/XX/XXXX 18. XXXX XXXX  XX/XX/XXXX
XXXX IS REPORTING NEGATIVE LATES ON MY ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX LATE REPORTING IS ON XX/XX/XXXX AND ACCOUNT NUMBER XXXX DATE OPENED XX/XX/XXXX, THESE ARE ABSOLUTE INACCURATE. 
I HAVE WRITTEN REMOVAL REQUESTS TO XXXX XXXX XXXX. BUT NO RESPONSE FROM THEM I HAVE REQUESTED THEM CURRENT LETTER OR ACCOUNT STATUS LETTER, BUT THEY ARE NOT RESPONDING. 
AND PLUS THAT I HAVE CONTACTED BUREAUS TO HAVE THIS REMOVED THEY ARE NOT COOPERATING AND PLACING DISPUTE AFTER DISPUTE. 
PLEASE HELP I NEED TO REFINANCE AND THIS IS AVERY IMPORTANT ISSUE AT THIS POINT IN MY LIFE. 
I WOULD GRATEFUL IF YOU HELP ME
I have spent 2 years monitoring my credit so one day we can buy a house. I get a letter from XXXX XXXX???? Who fraudently says I have an unpaid account with XXXX XXXX XXXX XXXX whatever that is. Woman was rude when I tried to clear this up. Totally bogus and says they won't give me original creditor unless I contact them in writing!! Call themselves XXXX in another section. Ridiculous!
Numerous calls about student loan default for someone else with the same name. I have never held any student loans. Did n't use second identifier ( such as date of birth ) when contacting my place of employment to verify employment. Continues to call and leave messages even though they have been told they have the wrong person and verified that the birthdate was different with the person they are looking for, and was requested to stop calling. Will not stop calling. Harassing behavior.
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX certified letters were sent to Experian regarding a inquiry on my Credit Report regarding XXXX, I explained I did not give permission to pull my credit report and wanted proof of my permission rather it was on recording or by signature which I don't recall doing either.
I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work.
In XXXX, I lived in XXXX. I had never made enough money to be required to pay XXXX state taxes, and in fact, every year I received a refund. When I married a XXXX XXXX man, the military moved us across country in XXXX ; he XXXX shortly thereafter. I had no idea that XXXX was in the process of incorrectly processing a tax return for me. Truthfully, I felt almost benevolent in that I had not yet bothered to apply for the monies I knew XXXX would owe me. 

They assessed that I owed them {$1100.00}. Not only was their calculation incorrect, but they actually owed me {$350.00}. 

When we applied for a loan, I saw the lien on my account and immediately filed my XXXX taxes, requesting my refund and that the lien be removed from my credit report. The XXXX FTB can not remove it from my credit report, because they do not report to the credit bureaus, rather it is made public knowledge, and the bureaus access the public knowledge. I did get a letter from the FTB that stated the tax return I submitted on XXXX/XXXX/XXXX, XXXX days after the lien was filed, showed a balance due of XXXX. 

It is frustrating to see that the lien shows " paid '' on my XXXX credit report, as I never paid a single dime to have it removed, because I owed them absolutely XXXX, and they owed me {$350.00}. 

XXXX shows no status at all, not paid or released, just ... nothing. 

I do not know what Experian shows, but it likely is n't much better. 

This is an unfortunate error that is causing serious detrimental effects to my credit. I was never a tax dodging citizen as this blemish accuses, rather someone who was overwhelmed by the new responsibilities of being a XXXX wife, and thinking I had nothing to worry about, as I knew, rightfully so, that I owed no money. 

If there is anything at all that can be done to assist me in this matter, I am immensely grateful for your support and action. 
Sincerely, ( you wanted no personal identifiers, so I will say XXXX Wife )
Carter-Young, Inc. trying to collect a debt from me by stating that I co-signed for XXXX. I did not co-signed for XXXX. Carter-Young is mistaken and I believe is confused between XXXX and XXXX. I co-signed for XXXX and XXXX paid all of his payments to The XXXX apartments for the contract that I co-signed. The Person I co-signed ( XXXX ) did not live at The XXXX apartment for the year of XXXX. XXXX lived from XX/XX/XXXX. The false proof that the Carter-Young is sending me by email is showing unpaid rent for the year of XXXX. Additionally, Carter-Young has not sent me their claim in writing ( by mail ) and their valid proof yet, although a request to send was made more than a month ago. Without claim in writing and Valid proof XXXX is showing a collection report filed in my name by Carter-Young.I have disputed this debt more than 3 times now and Carter-young illegally has put my name for collection.
My husband and I have had the same ( nRewards VISA ) joint credit card account with NFCU for over 20 yrs ( expiration date XX/XX/XXXX ). XX/XX/XXXX, he received a notice by mail from NFCU 's VP of credit cards ( XXXX XXXX ), saying that he had been selected for an automatic upgrade to a " VISA Signature Go Rewards Card '', and to expect it soon, in the mail. Two days later ( XX/XX/XXXX ), we received the new cards ( also with the expiration date of XX/XX/XXXX ) -- The account number under his name was still the same, as our current VISA. But the card issued in my name held an entirely new account number. 
Is it legal to reissue a new set of cards when we did n't ask/apply for them? The 'upgrade ' seemingly changes us from a joint account, into XXXX separate ones ... and the APR terms are slightly different from our current VISA. We received mailed paperwork applications for this new card in the prior months, but we declined the offers. This seems like fraud to me, even though it 's being issued from within our credit union. This should never have happened.
my business account with XXXX XXXX was compromised and my account was changed to a fraudulent and the card was closed almost a year ago, now axp is reporting the fraudulent charges on my personal profile. i have sent in very much proof of the fraudulent unauthorize charges, they have collection for {$33000.00} on my credit report, i do not owe them anything
I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law. 
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure? 
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..
Lexis Nexis has not provided no proof of no liens showing my name nor social security number.Lexis Nexis just state things with no proof to as there response collecting data or information that is not correct nor the amount showing correct. There has been no documentation and what law gives Lexis Nexis the right by law to state information with no proof from the source that Lexis Nexis states with no documentation to support there claims. There has been no proof from the source of the debt by the debt from them stating any liens or taxes by the the debt owed to by them from them. Lexis Nexis has not provided by law any documents by the debt that Lexis Nexis states from the source Lexis Nexis just has words with no supporting proof from the IRS or State that Lexis Nexis make claims.
Halsted Financials has called numerous times, at all times of the day from different numbers. When I finally answered the phone, to see who was calling, they would not identify who they were. While trying to receive information on the debt, it wasnt until then that I realized it was the same company. The person on the other end was very rude and didnt want to give any verifying information, only requested money for the said debt. They began to yell and became irate. I have never had an issue with settling a debt, but I feel this matter could have been handled in a more professional manner.
On XXXX XXXX, I sent Designed Receivable Solutions collection agency a letter asking for a breakdown of interest charges. 

The original debt sent to me XX/XX/XXXX was for {$7700.00}. A breakdown was provided of said debt to this amount along with almost double the cost in interest charges with a grand total of over {$12000.00}. 

Since I ran my credit and I initially contacted this collection agency request for verification in XX/XX/XXXX, this agency has intentionally flagged my credit by increasing said debt weekly with zero explanation as to how this amount is charged. 

It raises red flags because the various amounts range from {$2.00} to {$22.00}. Each week there is a different dollar amount added and each month the total is different. This agency even decreased the amount by {$11.00}. 

They even reported to XXXX that I refinanced/renewed this account which is untrue. 

It amazes me how this company can find time to trigger my credit report weekly but can not find time to respond and when I question the interest on said debt, I receive no response. 

This company is ruining my credit and I want this debt removed. Thank you
On XXXX XXXX,2017 I received a phone call from IC Systems very late at night. I would say like XXXX XXXX.
XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.
On XX/XX/XXXX I bought {$4100.00} of Furniture from XXXX. The offered a 12 month interest free payment option from Wells Fargo. The order states No interest if paid in full within 12 months, interest will be charged to your account from the purchase date at rate of 27.99 %. The delivery of furniture was XX/XX/XXXX. I made regular payments as required and paid the balance in XX/XX/XXXX. XXXX 's terms of the sale state all orders must be paid in 48 hours prior to delivery. That date is XX/XX/XXXX. I am being charged {$1200.00} of interest because Wells Fargo says the full payment was due XX/XX/XXXX. I missed the date by a week. Why I was confused was I made another small purchase in XX/XX/XXXX and that payment date was showing XX/XX/XXXX. I have excellent credit and had full intention of paying in full by XX/XX/XXXX. This is very misleading and seems to be a calculated attempt to confuse and trick consumers into missing the deadline and charging an obscene amount of interest! Did Wells Fargo pay XXXX the full purchase price on XX/XX/XXXX? If not is that date relevant? Needless to say I am not paying {$1200.00} or the reduced amount of {$930.00} I was offered. The regulations of XXXX were put in place for a reason. I am not unreasonable but this is and I need your assistance to intervene on my behalf. 
XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXphone XXXXXXXXXXXX