WillisBack/dataset-financial-user-claim huggingface dataset:
For over the past year I have been dealing with credit issues pertaining to identity theft/fraud. I have address this matter repeatedly and still have not fully restored my credit. This account appeared on my credit back in XX/XX/2017 and I have been making a conscious effort to remove the frivolous account.
I discovered this debt on my credit report along with an address I 've never lived at in another state. I contacted the collection agency with my proper contact information and still have received nothing. I contacted the original debt owner, a hospital, and they refused to give me an itemized bill of the charges my insurance refused to pay. I only am being told that this gigantic bill is from my XXXX and I believe I 'm being overcharged and not given the opportunity to prove it. 

I 've been advised that I should have been informed by the hospital that my insurance would be applying the entirety of the visit toward my deductible and given the option to not be admitted as an inpatient for what appeared to be XXXX. The hospital has an urgent care facility on the same block, or they could have directed me to a free/reduced price clinic. At no time did the hospital inform me that I would be paying in full out-of-pocket for the expenses incurred there.
TD BANK XXXXTARGET is reporting a Credit Card account XXXX to the credit reporting agencies XXXX , XXXX , and XXXX XXXX I have sent police report # XXXX to TD BANK XXXXTARGET back in XX/XX/2013 that account XXXX listed with them was due to identity theft. They have failed to comply to the FCRA law of removing these accounts. In this police report attached, the officer documented under property report # XXXX, the LOST/STOLEN reported to the officer XXXX of the Target Credit card account and Identity theft. Including a XXXX card and checks stolen and used.
I believe that my rights under the ECOA have been violated by Synchrony Bank. The bank put a freeze on my account because of their own negligence. The bank lost information that was required in opening of an account that I have had since XXXX. The information in question was my date of birth, which would have needed when the account was opened. 

The following is what transpired, although I 'm not exactly sure of the dates. Between XXXX XXXX and the XXXX, I attempted to register to use Synchrony Bank 's online application. After several failed attempts, I called the bank 's customer service number, explained my dilemma, and the agent looked at the account, and noted that my date of birth was missing. He commented on the fact that the account had been open since XXXX and then asked me to hold. He apparently went to speak with a supervisor, who informed him, to inform me that I would need to fax in a government ID reflecting my DOB. This seemed highly unreasonable to me given that the account was XXXX XXXX XXXX. Synchrony Bank lost the information and it seemed to me that this was simply an attempt to inconvenience me, as opposed to simply accepting the information over the phone. Again, the information was provided when the account was opened, as they would have needed to know that I was of legal age to enter into a contract. Unfortunately, irritation got the best me and I remarked " F @ # k You, '' and hung up. 

Fast forward to XXXX XXXX, I placed an order with XXXX XXXX for {$51.00}. I subsequently got notification from XXXX that the purchase on the card had been declined. As of today XXXX XXXX XXXX ) I have not received an Adverse Action Notice from the bank, nor have I received any correspondence from them informing me of the adverse action that was being taken against my account. 

It appears that this is a game on the part of the bank to force compliance on my part. However, the date of birth was provided when the account was opened, and they lost the information. Therefore, I see no reason to require me to expend an extra effort to get them information which they had, and lost. 

Thank you, XXXX XXXX
I received a letter from XXXX XXXX , XXXX today, X/XX/17 that stated that I owe XXXX money. I called XXXX and confirmed that I do not owe anything- I called both XXXX XXXX as well as XXXX XXXX . I then called XXXX XXXX and explained the situation and was told that I am disputing the charge. I am filing a complaint here because they have also been calling me incessantly over the past few weeks from various numbers in XXXX XXXX, NJ, including : XXXX, XXXX, XXXX. I just hang up usually but when I called back once to see who it was, it turned out to be Convergent.
I originally went to XXXX XXXX XXXX XXXX in XXXX XXXX Texas on XXXX2016 for a XXXX XXXX XXXX XXXX. When I checked in, I asked about pricing and they said i needed to be evaluated first. After approximately an hour I was released and they said the Doctor would need to complete a report for billing and I would be notified of the costs. I later received a bill for @ {$8000.00}. I called the facility and they were unable to explain the basis of cost other than it was based on the level of care. After I called several more times the Manager said they would waiver the {$150.00} deductible since they were unable to provide pricing details. 

Later that year XXXX XXXX XXXX was bought by XXXX XXXX XXXX and I was sent a demand letter for the {$150.00}. 

I asked again for the pricing structure used to determine " Level of Care '' and it was never sent. They did send a statement detail with a lump sum entry for the " XXXX XXXX XXXX '' for {$6200.00}. This amount was charged for the ( 1 )  hour I was in the unit and the exam and XXXX are additional charges. 

The deductible was originally waived by XXXX XXXX and insufficient detail was provided by XXXX XXXX and AMCOL. Now, AMCOL XXXX has entered a collection amount of the {$150.00} by fraudulent means.
Been trying to get XXXX negative child support cases from reflecting from my credit report for years according to the new credit law established XX/XX/XXXX beginning XX/XX/XXXX child support is not a contractual debt, there were no good/services rendered ; also refer to Public Law 805-C3 of the Fair Debt Collection Practices Act ( FDCPA ) I hereby demand that you remove the reporting of child support form my credit report. Child Support as you know arose out of an administrative support order and is NOT a debt within the scope of FDCPA ( 15 USC 1692 et sep. ). Child support payments, which obligation arose out of administrative support order issues by state department of social services, are not debts encompassed within the scope of Fair Debt Collection Practices Act ( 15 USCS 1692 et seq. ). more supporting laws regarding child support being reported to credit bureau agencies.Child support obligor failed to state claim against defendants, custodial parent and state agencies and employees, under Fair Debt Collection Practices Act because no defendant was : debt Collector with meaning of 15 USCS 1692a ( 6 ) with regard to child support payments, state employees were excluded from definition of debt collector under 1692a ( 6 ) ( C ) ; further, child support obligations were not debt under 1692a ( 5 )
This was the email I received from PayPal as I have disputed unauthorized charges and I have filed a police report PayPal Protection account so that they would take care of the matter for me I spoke to XXXX they cancel the card they received the police report and reissued me another card with and stated they would help me PayPal has lied to me about helping me and sent this email to meDear XXXX XXXX, Your PayPal account has been limited due to an excessive number of reversed transactions. 

As a result of this limitation you ca n't send or receive funds and we will suspend any open claims and we will deny these claims. Your purchases are no longer eligible for PayPal Buyer Protection. We understand this may be disappointing, but you can continue to pursue resolution directly with the seller. 

If you require additional assistance, or have any concerns, feel free to contact us directly at XXXXXXXXXXXX. 

Thank you, XXXXPayPal Protection Services DepartmentXXXX, I just received your email, I am protected by law from fraud and identity theft I have provided a police report I have explained my situation to you as in eBay and XXXX I will be contacting the Consumer Financial Protection Bureau and filing a claim through them, unless you help me resolve this matter as I was told by XXXX that works in your department that the matter would be taken care of and that you would be working with XXXX to help me with this your email as it is noble and I except the professionalism it is still unacceptable identity theft and fraud is a very serious matter one that I will prosecute to the fullest extent of the law As I am a victim of identity theft and fraud you may contact me at area code XXXX XXXX XXXX XXXX where you make contact me through my email. But I will be filing the claim with the Consumer Financial Protection Bureau a response is requested and required thank you.
I contacted Transunion, and XXXX XXXX XXXX on XX/XX/XXXX about an unauthorized inquiry on my credit report, that was reported by XXXX XXXX XXXX on XX/XX/XXXX. I requested that the inquiry be deleted. I have attached a copy of both letters that I mailed certified. Neither Transunion nor XXXX XXXX XXXX have responded to my correspondence, nor has the inquiry been deleted from my credit report. Transunion did send me an updated credit report per my request in my letter, but did not address the deletions of the inquiry. I have never applied to, nor do I have any inactive or active accounts with XXXX XXXX XXXX.
I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, XXXX XXXX
Went on the XXXX XXXX website to see about prequalifying to refinance my current vehicle loan. Per XXXX XXXX website it was advised there would be no hard inquiry on my credit report. XXXX XXXX did not perform any inquires on my credit report however one of their lenders did by the name of XXXX. I did not authorize XXXX  to pull my credit nor was there a formal application
I was contacted via mail from Ally regarding a settlement for having inflated interest rates for a person of minority. The deadline was approaching and I was not able to locate the form itself, so I googled. Where I was then able to fill o out an eligibility form ( which I did ) and was submitted by both mail and fax. 
Today upon checking the status of the claim, I saw that checks were issue back in XXXX. I called Ally Settlment Administrator and by giving my name they knew exactly who I was and my address. Theres no way I am the only XXXX XXXX in the entire world. Upon confirming that it was in fact I whom they were speaking to, I was told that I did not complete a participation form. I then stated that I followed the directions per the website for claim and there was no f forthcoming correspondence from them indicating that the wrong form had been submitted. She stated yes. I then thanked her and to have a nice day. 
I did my part in a timely manner as was requested.
I never looked at my credit report, because I did n't know how to do so. But when I get the account to get in, so much companies reported informations that I have no idea about. I need help. It hurts me. 

Dates : XX/XX/XXXX Amounts : {$920.00} Actions : I called XXXX XXXX XXXX  and told them that I did not get on the Paramedic when they came to get me after an XXXX XXXX. My girlfriend told them the hospital never help, so I was not going, neigbors called them but I did not go. I got better on my own term by using natural help from neighbors, by the time they get there. I was already OK. They took my social security number, name and left, and later a bill of {$920.00} came. They did not even touch me. After a couple of years of argumenting with them they got XXXX XXXX XXXX to collect the amount of {$920.00} which we brought a solution in to remove it years ago, but on XX/XX/XXXX it came back on again. And then they got another Debt collector name XXXX XXXX also collecting another {$650.00} which I have no idea where it came from also. 

Dates : XX/XX/XXXX ( 5 yrs, 5 mos ) Amounts : {$460.00} Actions : I called them, I have no idea what 's XXXX XXXX XXXX XXXX. I checked it on XXXX, the area where this hospital is, I do n't live 2 hours close to it. I contacted XXXX XXXX XXXX which is the debt collector, I told them I have no knowledge of these charges. They refused to remove them from my credit reports. 

Dates : XX/XX/XXXX ( 2 yrs, 7 mos ) Amounts : {$520.00} Actions : I have never have a XXXX XXXX service in my life before. Even XXXX XXXX yesterday could not verify it. So this needs to be removed. And they need to verify the social security of the person that owed them. The debt collector XXXX XXXX XXXX needs to remove this from my credit report. I have no idea what would this bill for. 

Dates : XX/XX/XXXX ( 3 yrs, 10 mos ) Amounts : {$100.00} Actions : I did n't take action because people who owe XXXX ca n't still have service with XXXX, I have been with XXXX for 4 Years now, never have an issue. Where is that payment coming from. XXXX XXXX XXXX  needs to verify with where they got this information and find the right person who owe them. 

Dates : XX/XX/XXXX ( 3 yrs, 9 mos ) Amounts : {$530.00} Actions : XXXX XXXX is collecting {$530.00} for XXXX XXXX XXXX XXXX which I have no idea what 's that. This needs to be removed. 

Dates : XX/XX/XXXX ( 2 yrs, 8 mos ) Amounts : {$520.00} Actions : XXXX XXXX is also collecting {$520.00} for XXXX XXXX XXXX XXXX which I know but the amount is totally wrong, and the account is more than 7 years old, a family member bought something with it when I found out about it later, and forgot about it ... 

If it was not for XXXX XXXX, I would never know about those false reports. Please remove them
I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )
I have XXXX credit card accounts with Capital One : XXXX ending in XXXX and XXXX ending in XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I was n't regularly receiving statements from the company. I did move twice during this time period, but i made sure they were provided the correct contact information. As you can see my payment history prior to that period was stellar and has been since then. I made multiple requests to Capital One to update my reports due to the statement issue to no avail. I have even disputed directly with the bureaus who advise the grantor has closed the dispute, which should not be allowed. I am now requesting your help to have credit reaged. Thank you.
I have a XXXX account that claims I have XXXX % utilization or XXXX/XXXX where it should beXXXX/XXXXI have a XXXX account that says I have aa XXXX % utliztion or XXXX/XXXX where it should be XXXX/XXXX
My complaint is against Bank of America, N.A. ( BOA ) and their unfair practices with denying me a remodification loan - while they are trying to slow-walk me into foreclosure. I have a Home Equity Line of Credit ( HELOC ) where I was paying on an interest-only loan. After 15 years, the terms of the agreement changed to where I had to pay the principle and interest at a higher rate. Note : The payments have almost tripled. I have been requesting a remodification since XXXX 2017, and with each formal request I have been denied three times with very vague excuses. Moreover, BOA has encouraged me to keep applying for a remodification loan, while the payments and late fees keep piling up. Although I have been paying something on the bill, I am unable to pay the full amount each month. So, according to BOA, there is a danger that my home will end up in foreclosure. One BOA  representative told me verbally that they think I can pay the high amount without a remodification ; while another rep said that I did not have sufficient income, or my expenses were too high. BOA appears to put me off without giving me clear directions on what to do. I have had a BOA rep call me and then hung up when I answered. I think this is so that they can say that they have tried to reach me and did not get a response. BOA tells me that they are willing to help, but then drag out the remodification process with back-and-forth issues of losing my documents until I am so far behind that the foreclosure proceedings may be imminent - according to them. Each time I have been denied a remodification, BOA has sent me the same Stock letter,  but with a different date. Also, BOA keeps losing all of my documents, and then claims that I never submitted them. BOA keeps recording me late every month which degrades my credit score. No other mortgage company wants to do business with me because of my HELOC account with BOA. I have attached copies of some of the documentation that I had on hand of the unsigned correspondence from Bank of America.
This debt is not mine. I have no knowledge of debt that is attempting to be collected and I want it removed from my credit reports with XXXX, XXXX and XXXX. I want all collection actions to cease and do not want them sold nor transferred.
I have a foreclosure from 8 years ago still on my credit report that should have been removed due to the amount of time that has passed. The mortgage loan was through  XXXX   XXXX . The account has been closed for some time now. I would like it off my credit report. I submitted a dispute through   XXXX   to have it removed but they did not remove it.
Bank of America has placed me in XXXX XXXX and or XXXX XXXX XXXX due to ATM Fraud that took place on this account. I called in and spoke with a Bank Of America agent who was to proceed with fraud investigation on this account which would 've been the second time I 've asked for an investigation. I have asked Bank of America to send the proof and or information on this account and I have yet to receive any documentation or investigation results. This incident was in 2014.
I " bought '' a refrigerator from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, but wo n't deliver the refrigerator until XXXX/XXXX/2016. 

I " bought '' a tv from Best Buy on XXXX/XXXX/2016. Best Buy charged my credit card immediately, said they would deliver it on XXXX/XXXX/2016, but now say they ca n't. 

I complained to the Best Buy store manager that they should not charge my credit card until they actually deliver the product. The manager said charging my credit card immediately was their " policy. ''
In XXXX, 2014 I entered a written dispute with XXXX reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ASSET ACCEPTANCE LLC was attempting to collect a debt for which I had no knowledge and alleged was fraudulently opened by an unknown XXXX party. Moreover, said account was appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ASSET ACCEPTANCE LLC failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ASSET ACCEPTANCE LLC an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ASSET ACCEPTANCE LLC failed to report said debt as disputed and failed to conduct an investigation into my allegations of fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ASSET ACCEPTANCE LLC is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ASSET ACCEPTANCE LLC have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of fraud. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of fraud.
I was looking for a small loan at a time of need. I was contacted by this company through my email after my search on XXXX. The loan was taken out XXXX for a XXXX loan. I have paid back XXXX. I have searched and tried to contact them and unable to reach. I can not find a copy of agreement which was never sent. I have paid close to double. The interest is ridiculous and im assuming a year which would take this 5 times the loan. This company is not realistic and a loan shark.