WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX XXXX, MD made an error in filing the treatment bill ( {$320.00} ) to XXXX XXXX XXXX XXXX XXXX ( my insurance provider ). Till date XXXX does not find on it records proof of claim filed. I made the facility aware of their error ( XXXX of accounts dept. ) but they chose to take the case to R & R Professional Recovery XXXX XXXX, MD ( R & R ) anyway, per account # XXXX. 
In an effort to resolve the issue, per my request, XXXX customer service contacted R & R to point out the error but they refused to talk to them. 
Notwithstanding above steps, R & R went ahead and reported matter to collection bureau destroying my credit worthiness. 
Please provide help and succor to remedy the predatory and illegal practices of R & R. Thanks a lot.
Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.
I have a MasterCard with CapitalOne XX/XX/XXXX they offered me a {$50.00} a month or more payment plan to increase my credit limit from $ XXXX- {$900.00}, I not only made payments on time and more than thee amount I also paid off the card in its entirety along with my Visa card through them, in XX/XX/XXXX I personally requested XXXX increases on both my MasterCard and visa credit card which I was granted my credit limit on my MasterCard went from $ XXXX- {$1500.00} and I was supposed to still receive my increase automatically for capitalone on XXXX/XXXX/16 I did not receive my increase so I called and was told since my bill comes out on the XXXX/XXXX/16 I would get my increase then, I had also called a few weeks prior and spoke with XXXX different people and was ASSURED that I 'd receive my increase because I received a message stating CONGRATS YOUR INCREASE CAME XX/XX/XXXX, the increase that I PERSONALLY REQUESTED so I called them up immediately and explained that they still owed me in increase they said you 're right XXXX XXXX we apologize you will definitely get it on XXXX/XXXX/16 FF to today XX/XX/XXXX I call because I still do n't have my increase I speak with an accounts supervisor who once again tried to pass off my personal request for an increase as part of the plan and then after doing further review she stated on you 're right but you actually wo n't get it until XX/XX/XXXX which is 7 months not 6 months, I am very upset and I am not waiting anymore I want the increase that is owed to me, because of capitalone not giving the increase I have fallen way behind in my bills and struggling every day they have admitted several times by their top people and even in the response that they gave to me that I was told that I would get the increase after reviewing the recorded calls but that it was " False information '', but that they wo n't do anything to rectify the situation and that is just not acceptable I want my increase or I want for them to eradicate my debt from both my master card and visa card, because what they did was falsely advertise I also filed a complaint with the XXXX and it was marked against them negatively.
I reluctantly opened at charge account at Kohl 's at the instance of a cashier ( XX/XX/XXXX ). 
I paid off the first bill online by enrolling my bank account information into the Kohl 's website. I don't remember agreeing to email statements ; it must have been a default checkbox somewhere. 
Some number of months later ( XX/XX/XXXX ) I used the credit card, expecting the bill to be paid automatically like every one of my other credit cards is. The bill was due XX/XX/XXXX, but unpaid since I apparently was not enrolled into the auto-payment system. 
Kohl 's online statement went to a junk mail account and I never read it. Kohl 's had the email receipt feature turned on, so they should have known I never read it. 
Kohl 's did not call me to inform me that my payment was late. The cashiers at the store can accept payments at the register, but they never told me that I had an outstanding balance. 
Kohl 's printed a USPS notification on XX/XX/XXXX. I read it on XX/XX/XXXX and I immediately called them and paid my bill, including all the fees ( which were almost as great as the original balance ). 
The customer service agent said that they report late payments at 30 days late and are required to report late payments ( this is not a true statement ). 
I called Kohl 's back a few days later and spoke to a supervisor. She said Kohl 's doesn't report late payments until 60 days late. My payment was not 60 days late, so I didn't worry much about it. However, I called back again and asked if Kohl 's had indeed reported me to the credit agencies. The agent did not know, but submitted a request to the back office. She said they would get back to me within a few days. They never did. 

My credit history was almost perfect and now spoiled because Kohl 's did make a reasonable attempt to notify me of the problem. 

My complaints : 1 ) Kohl 's did not call me nor send USPS mail when they should have known that I was not receiving their emailed statements. I would gladly have paid immediately upon notification.

2 ) The first agent said that Kohl 's was required to report late payments and there was nothing they could do about that. This is incorrect information.

3 ) The second agent gave me false credit information about when Kohl 's reports late payments. My payment was not 60 days late.
I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.
Wells Fargo Auto Loan collections dept. continues to contact and harass me regarding repayment of auto loan after 7 years of payment, garnishing my Wells Fargo checking account, ignoring payment agreements made through Consumer Financial Protection Bureau, and repossession of vehicle.
Back in XXXX I got a Title Loan through One Main Financial. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with One Main financial removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
**Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.
On my credit report its showes wrong public record which is bankruptcy filed it not belong to me i also have a FTC report filed about identhithy theft and have a fraud alert on my report Try to contact all tree credit bueros but they did not fix it they told that is acurate and updated but when im trying to get answer where they got this information thay are telling me that they get the public record information from 3rd party which is by law i call the bankruptcy court to check any information related to my social security but they told me that they are not sharing any personal information to anyone most they are not gaving information to all credit beuaros so im trying to get answer where are they got this info and place it on my credit report it is not my public record it must be removed please help me to resolve this Thank you
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX To Whom It May Concern, I am responding to my account with XXXX credit card. During XX/XX/XXXX, while in XXXX, I applied for a credit card with XXXX credit. Due to my parents lost their jobs, with mounting XXXX debts, I had to discontinue my XXXX XXXX at XXXX XXXX University. I saw a military advertisement, if you enlist in the XXXX, they will pay all my college debts and give a bonus after you finish training. 

After two and one-half years in the military, I found out this was a fraud and a lie, by our government. To maintain a good relationship with XXXX XXXX, on XX/XX/XXXX, I sent a certified letter to Discover asking for a hardship payment plan for the {$550.00} balance on my credit card. Discover closed my account and continue to inflate my balance to {$1000.00} after making several payments. 

Discover never responded to my requested letter, while continuing to inflate my bill and running my credit. I am asking your help in this matter. 

Sincerely, XXXX XXXX XXXX
I have used Union Bank of California services for almost 20 years. Most of this time and most of the banking I did on-line. This XX/XX/XXXX all of a sudden many functions of their site stopped working. As usual, I wrote to the customer support. They responded with some general assurances but nothing changed. I contacted them again to no avail. After a few exchanges of the kind they stopped answering. So, I went to the branch I usually work with. They could n't figure out what was going on and referred me to their " Customer Advocacy Group. '' OK, a representative of " the group '' found me and after a considerably long conversation over the phone promised to contact IT department ( finally! ). After another few days they called again and informed me that the site for on-line banking was upgraded and from some moment on supports only windows or XXXX operating systems on the client side. I use linux distributions for many years and for good reasons. Linux OS is fast, stable, reliable, and secure. Linux is not susceptible for viruses and other malware. Why the bank feels entitled to discriminate me and force to switch to OS I really hate? Or should I turn back to paper banking? Why do they do this? What is the big idea? I could not get any answer. I suspect it could be something really fishy like a trust with XXXX which is infamous for that kind of deals. 
PS. I do n't mind my name being published. Actually, I prefer to be named.
This morning I called my credit union, Navy Federal Credit Union, in an immediate response to a letter I received which stated incorrect charges and due dates. When the agent responsible for my account, XXXX, told me that the letter was correct according to his records, I told him that I would look into the matter with my connection with the XXXX. Following my research I learned that I was correct, there was no lack of payment for the last two months, and, once again, my credit union was in error. I then called the credit union back to correct the problem and was told that I could not make changes to correct the problem via the phone. I then asked to have a copy of my statement with a payment history sent to me and was told that it could be faxed to me. I told the customer service department that I did not have a fax number handy and would have to accept a postal copy. I later called again to give a fax number and was transferred to the original agent, XXXX, who rudely told me that he would not give me a copy of my statement or payment history because of the finalized bankruptcy associated with the account, even though the loan was reaffirmed. I insisted that I was entitled to my statements and payment history for the last six months in order to correct the error in their records and he still declined to honor my request. XXXX also told me that he stopped the processing of the postal request that the customer service department was preparing.
Approximately one year ago we started a short sale of our home with or mortgage holder Wells Fargo Bank. We have had a constant turn over in paperwork all the while meeting out our obligation and turning over all of the requested documents. During this time we have been harassed by Wells Fargo 's so called field agents. These field agents have come to our home at all hours of the day and evening without prior warning and have refused to show identification upon our request, saying that they are not required to so. They have taken pictures of our home on several occasions without our consent and have violated our privacy. They are very unprofessional in their appearance and often come to our home with several other unidentified persons riding in their vehicles. In our attempts to file complaints with the bank the Points of Contact have been unresponsive. The Points of Contact who I believe are designated by Wells Fargo to be our intermediaries, lack the most basic of customer service training skills. We have had numerous XXXX as Wells Fargo refers to them and they are totally " useless '' in this process. Either they are ignorant of what items they are asking for or they do n't ever call the customer back to answer questions and concerns. 

Finally on XXXX XXXX, 2015, we received a " Letter to Participate '' which is a HUD article and approval to proceed with the short sale. Since that time Wells Fargo 's Loan Adjuster 1/FHA Liquidations-XXXX has been a literal " sand bag '' in the what should be the final process of the sale. It appears to most of the professionals that have had anything to do with our transaction and XXXX XXXX that she purposely " sitting '' on our final approval for short sale. She has continuously failed to properly communicate with our Realtor in requesting the proper documentation for closure of our sale, to the point of even threatening us with removal from the HUD approval list without documented reasoning. Unfortunately it appears that through time XXXX XXXX may have come to believe that she is above reproach. We have contacted Wells Fargo supervisory staff on several occasions without any direct result. XXXX XXXX XXXX has been the latest to attempt to intervene for us even though he is not XXXX XXXX 's direct supervisor. We understand that XXXX XXXX is a important person to Wells Fargo. We have been made well aware of her role in representing Wells Fargo Bank, but she works for the bank, she, herself is not the bank. 
We are now on our XXXX, buyer. This buyer has been given excellent treatment by it 's lending institution and has offered " above the Fair Market Value '' for our home. Yet again we just re-sent documents that were requested by XXXX XXXX, items that were sent on several other occasions. The Buyers are anxious and frustrated, as we are ourselves. Please assist us in this matter.
BB & T is playing a very sneaky game with overdraft fees. I am being told I over XXXX my account on Sunday but my account still showed a positive balance on Monday of over {$100.00} so I spent money. Since BB & T uses a running balance if I spent the money it should not be visible to me anymore. They have confirmed this numerous times. The moment I knew I over drew my account, Tuesday when they emailed me, I deposited enough to cover everything plus {$50.00}. The overdraft fees continue for now XXXX more days. BB & T claims it 's because the overdraft fees were applied on Monday not Tuesday. But I was not notified of that and it was n't even visible to me. So basically there is no way for me to stop dozens of overdraft fees even if I deposit money since they are applying the fees the day before the charges clear. I have emails verifying the transfer of money and the overdraft fees being applied including exact times.
My account with XXXX XXXX was given to XXXX & XXXX Acquisitions the company transferred the file to Atlantic Recovery Solutions, it turns out after they are not licensed in AZ, while the file was in their possession, they pulled my credit without authorization. Atlantic Recovery Solutions threaten on several occasions to take legal actions. So I have filed a complaint with XXXX over not being licensed. I have requested license information and accounting of the account to ensure that my rights were in fact protected under the SCRA. I was XXXX XXXX times during the time in which I had the account.
Original letter of dispute sent certified mail to XXXX XXXX XXXX dated XX/XX/XXXX and signed for on XX/XX/XXXX. XXXX XXXX XXXX failed to notify all three credit bureaus to place a notice of dispute on my account within 30 days of my dispute. XXXX XXXX XXXX has violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX address shows on my credit report I never live there
I gave permission to XXXX XXXX XXXX to run my credit for a car loan, I did not and was not told my credit would be ran XXXX times on XXXX XXXX and XXXX times on XXXX. I was under the impression they run your credit XXXX time and use that report with potential lenders. I was not made aware my credit would be ran and hit my credit report that many times!
Closed account in 2008 never removed from credit history shows I have larger debt than I do. Fifth third bank XXXX balance shows current. Account closed Please help repair this I called fifth third 4 times and sent emails to XXXX XXXX and XXXX.
On XX/XX/XXXX I called Selene Finance Customer service for help with changing my homeowners insurance company mid term. I was told that the new insurer would have the necessary information to reach the right department to get the new policy paid. The new insurer mailed the policy documentation and an invoice to be paid from my funded escrow on or about XX/XX/XXXX. Selene did receive the invoice but took no action from mid XX/XX/XXXXuntil XX/XX/XXXX when I made a call and insisted on being transferred to the insurance department. There I was finally told that I had to cancel and receive a receive notice from my old insurer prior to them paying the new policy. I did not want to do that and I verbally expressed to the insurance rep that I did not want to cancel my old policy before having the new one paid. After going back and forth for some time I finally called the old insurer cancelled my policy as of XX/XX/XXXX( the effective date to the new policy ). Selene advised that they would then pay the premium. If they had paid before XX/XX/XXXX I would have still had coverage. Selene DID NOT PAY THE PREMIUM within the 45 day period and I was left without homeowner insurance coverage. I received a notice dated XX/XX/XXXX that my new policy was cancelled due to non payment. I called Selene insurance and went from agent to agent for 2 hours before being told that there was nothing that they could do. They suggested that I call the insurance company back to see if they could reinstate the policy. They could not. They offered to write me a brand new policy for the exact same coverage was now {$3100.00} because I have had a " lapse '' in coverage. My original policy from XXXX was {$2700.00}. The new policy I was switching to at XXXX  {$2300.00}. I called that same manager back at Selene if they would pay the difference as they were at fault for causing the lapse. They would not. I did not choose the servicer for my loan. I wish that I could say that this an insolated incident, but I have never received a satisfactory response from this company no matter how small the matter. I can not not see how they continue to keep servicing FHA and VET loans.
I have been sued and a judgement against me. I never knew about the judgement, as I responded but never got a court date to appear. the statue of limitations has passed. When trying to set up payment arrangements I never received any type of office to send the monies. I have now relied a notice of Application for Appointment of receiver. I can not get ahold of either of the debt collector attorneys.
On XX/XX/XXXX, your credit limit was reduced to a total of {$200.00} based on information provided to our Bank by the credit reporting agencies. A letter was mailed to you on XX/XX/XXXXto notify you of this change. If you have any questions regarding the information in your credit bureau report, please contact the credit bureau directly with the information provided on the letter. 

I never applied for an increase so the nothing should have been reported from any credit bureau. I never agreed to having a credit limit of {$200.00} and would like my card increased back to {$300.00}.
Equifax has inquires that I never authorized on my credit file. I mailed a disputed letter to them on XX/XX/2018. They never responded nor removed the unauthorized inquires.
There's 4 collection accounts dated XXXX17 on my report inwhich I have no knowledge of, yet has not been physically verified by the very credit reporting agencies inwhich is reporting such damaging unverified information on my report. Now according to the FCRA accounts must be PHSICALLY verified if not then they must be removed.