WillisBack/dataset-financial-user-claim huggingface dataset:
Got a letter from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. I was told that Citizens Bank Out Reached to them to make a collection attempt. I called back and they told me that I could settle with a payment of $ XXXX- {$120.00} right then and there so i could open another account with another bank which I thought was weird. Then I tried to call back and no one would answer and I tried three times. He said that he would be there til XXXX, which it says that they are open til XXXX EST. I really do n't want to be scammed so i thought that i would email someone for help.
XXXX XXXX sent their invoice to my secondary insurance carrier ( XXXX ) for more than a year -- and not to my primary insurance XXXX. I made two phone calls and sent FIVE letters telling XXXX that they had to bill the PRIMARY insurer first. I even made sure this was changed when I was AT the doctor 's office. I do n't know if they never did this, or if they waited the year and a half before they did so, but at that point ( 1 1/2 years after the dr visit ) my company changed insurace to XXXX. Apparently now XXXX is not paying since it is so long since the original visit -- and I ca n't blame them. XXXX is at fault for not billing the correct insurance company in a timely manner. I would be willing to pay what I would owe AFTER what the insurance would have covered, but I am not willing to pay this entire $ XXXX bill that is XXXX 's fault. They have now filed with MiraMed Medical Group, a collection agency to collect this bill and this company is not interested in how this came to be. I 'm about to buy a house -- and I have a STELLAR credit rating -- so I do n't want this diminishing my credit score! Please help! 

I do have copies of the letters I have written, but would need to take cell phone photos and email them to you, I do n't have a scanner.
sears used my personal info to open a home improvement account in my name and my credit rating dropped by XXXX points the sales manager committed fraud i only called them for an estimate
Please excuse my writing errors as I am submitting through my XXXX. I was contacted by a debt collection agency that stated that I owed PayPal money through synchrony bank in the amount of {$320.00}. I tried several times to contact Synchrony Bank and all they would tell me was that it related to a PayPal account that was opened and closed. I was able to show them that I have had a PayPal account for several years and had not opened or closed any additional accounts. Regardless the bank let me know that they could not help as the debt has been past to a debt agency. I asked for documentation that both proved the account was opened by me ( in hopes of showing this was fraud ) or that I was notified of an open debt but they said it was out of their hands and the debt collection agency is who I needed to deal with. After contacting the debt agency, XXXX, I sent XXXX dispute letters. All they did was send me the same information of the original creditor, Synchrony Bank, and links to file a long fraud or identity theft claim. As I could n't get any original documentation of the account opening and as a medical resident have little time to continue calling the PayPal bank and debt collector I decided to pay. I now believe that I am part of the PayPal dispute that illegally opened an account without my consent.
Hello CFPB team, please look into this situation with mortgage rate through Quicken Loans # 1 lender in America. On XXXX/XXXX/16 I filled out on line form and received a call from a Mortgage Banker XXXX XXXX XXXX # XXXX. I told the person that was referred by a coworker that just completed a refinance through Quicken and was able to low his mortgage payment. The loan representative told me that the lower rate available is 3.25 % today. She collected some basic information and asked permission to run my credit. I gave the persmission because I was under the impression that I am getting a lower rate, what I was quoted by her at 3.25 %!! After a few minutes into a phone call she told me that there is some savings for me to do this refinance and gave me a dollar amount for the payment. The payment was {$80.00} less then what I am currently paying. I told her I want to start the process. However, in a sudden XXXX indicated that it is going to cost me {$8000.00} to get this rate, but it is the lowest rate available!! Really?! Is it still required under Reg. Z to provide consumer with APR once rate is quoted? Why credit was ran and personal information was collected to mislead me from the start that the quoted rate is available at no cost if no APR was provided?? How many people fall into this trap with the # 1 lender in a country that 's running their adds on TV, radio and all over the internet. My question is : " Will the Quicken Loans Company going to be held accountable for this? Is Senior Management going to provide resources to train their mortgage bankers to provide the benefits for consumers and not just generate more business for the company? Or trap more homeowners to do something that has ZERO benefits? The call was recorded. I wish Quicken to honor what they stated over the phone to me. Thank you for looking into this & hopefully less homeowners will be in such terrible situation. I felt very bad after this call.. plus I keep getting emails from Quicken to my Inbox with more attractive deals.. Are they REAL?!
I AM XXXXYRS OLD LIVING ON SS AND GOV SUBSIDIZE HOUSING I MADE A AGREMENT WITH THE XXXX XXXX XXXX XXXX XXXX TO PAY THEM XXXX DOLLARS A MONTH BY THE XXXX OF THE MONTH UNTIL MY DEBT OF APPROX XXXX DOLLARS WAS PAID. IT IS NOW ABOUT XXXX DOL. I HAVE NEVER BEEN LATE PAYING THESE PEPEOLE, THEY ARE NOW SAYING I WAS LATE XX/XX/XXXX WHICH I WAS NOT THE CK WAS SENT ON XXXX XXXX XXXX EVEN THOUGH THEY DIDNT CASH IT TILL THE XXXX. THECO NATIOAL BUINSESS XXXX INC XXXX XXXX XXXX XXXX XXXX. NV XXXX THEY HAVE SENT ME SEVERAL THREATING LETTERS. THEY HAVE UP TO THE PRESENT HAVE CASH EVERY CK INCLUDING THIS MONTHS CHECK. I AM ASKING FOR RELIEF FROM THIS HARRASMENT. I AM PAYNG AS AGREED!
I get calls from a firm named Debt Recovery Solutions. When I explain that I am not the person they are attempting to call ( XXXX " XXXX '' ), and ask that they quit calling they tell me that the cell phone number I have, ( XXXX ) XXXX, is not in their database. When I remind them that I am returning their phone call they ignore that and attempt to get personal information. The phone number shown as calling on my cell is ( XXXX ) XXXX. I informed them that I would be making this complaint. They told me that they are recording the call, and I replyed " I do n't care, just remove this number from your database ''.
I had a XXXX credit card I closed the account when I lost my job but come to find out they never closed or contact me about it just kept it open I had no knowledge of this and then sent to a third party debt collection without me even knowing
I disputed the validity of the bankruptcy information being on my credit reports with XXXX, XXXX and Experian. The dispute is how can they officially put the bankruptcy information on my credit report if they did not or their third party vendor properly verify the information directly with the court. I contacted the bankruptcy court and received documentation from them dated XXXX XXXX indicating that they do not report or verify bankruptcy information with the credit reporting companies. On XX/XX/2018, I submitted this documentation to all three of the credit reporting agencies as well as dispute letters and asked that the bankruptcy information be removed from my credit reports because it was not properly validated with the bankruptcy court. All three of the credit reporting agencies responded that the information was " Verified ''. I even spoke to a XXXX representative on Tuesday XX/XX/2018 because I checked my XXXX XXXX on that day and it had dropped 100 points. My credit score had been increasing over the past several months and my credit behavior has not changed so the 100 points decrease to me seemed directly attributed to my dispute. I also requested that the name of the third party vendor that they indicated verified the information with the court but I was told they could not release the information. XXXX XX/XX/2018 I received a letter from XXXX   saying that per my request, they have put a fraud alert on my credit file which will last for 90 days and they will also make the other credit reporting agencies aware of this. I did not request that they put a fraud alert on my credit file but I did dispute the validity of the bankruptcy information. As a result of this fraud alert being put on my credit file without my request or permission, it will slow down my ability to get credit. I wrote a letter to XXXX and submitted it on-line asking that the fraud alert be removed immediately as I did not ask for it or give them permission to put it on my credit file. I also ask they communicate with the other credit reporting agencies to remove it.
I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to XXXX to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.
I needed to have my loan payment recalculated because of changes to my income. I explained to the customer service rep that I did not want any interruption in making qualifying monthly payments towards PSLF. They said if I had my paperwork in on time ( XXXX ), I would not see an interruption. I did this. The same day, I received a notice that my loan had gone into forbearance. This surprised me because I had not asked for a forbearance and had explicitly asked about making sure I was making monthly qualifying repayments. I called the next day XXXX and requested the forbearance be removed. I was told it would be removed as of yesterday XX/XX/XXXX. It was not. Today XX/XX/XXXX I called and was told it would take 2 weeks. They directed my call to someone who took no responsibility for the inaccurate information and was not able to make any changes to keep up with the commitments that customer service reps had repeatedly made to me. They did not even make an empty promise to follow up with those reps to ensure they give other customers accurate information. 

As a result of this misinformation, a routine request for repayment recalculation has resulted in a month delay for when I will be able to file for PSLF. The final person I spoke to said I should consider it a privilege to work in public service and was minimizing the impact this had on me. 

I'm happy to provide my account number or any other details that would be helpful.
I would like to file a complaint regarding some unlawful practices Ive experienced with TransUnion. I recently reviewed my credit report, and I noticed some inaccurate information. I made TransUnion aware of the inaccurate information on XX/XX/XXXX ( FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. In response, TransUnion sent me a letter ( FORM D ) that stated one account had been updated and the other had been verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. 
As a response, I followed up with another letter on XX/XX/XXXX ( FORM E ). TransUnion received this letter on XX/XX/XXXX ( FORM F and G ). In this letter, I informed them of more inaccurate and unverified accounts reflecting on my credit report. I also mentioned the accounts that I had originally disputed, and that they had not been properly/lawfully verified as accurate, so they should be deleted. In response, TransUnion sent another letter addressing all of the debts ( FORM H ). I found that two of  the accounts I disputed had been deleted, but other accounts were showing results of validation and/or updated. TransUnion still never sent me proof of such validation or any of physical documents in my file that I had requested. 
TransUnion is violating my rights as a consumer and has not met the time regulations for properly validating accounts. Since they were not able to provide me with the physical proof of what they used to verify these accounts, within the FCRA time frame, they must all be deleted. 

Thank you for all of your help, XXXX
Pioneer Credit Recovery has sent a garnishment notice to my boyfriend 's employer on XXXX/XXXX/15 after he had made payments to them on XXXX/XXXX/15 and on XXXX/XXXX/15 which we have proof of. As a previous debt collector, I understand that a payment still counts regardless of the amount and I am convinced that this instance is in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint narrative I went to XXXX XXXX XXXX on XX/XX/2018 to purchase a car, After selecting a car to decide about the price he asked me to provide my details and gave the details to him and I told him " I wan na go for lunch and I will be back in 20 minutes and Do not run my credit before make an agreement about the price '' and he told me be sure we do not run your credit, but after I came back in 15 minutes I saw a paper that they run my credit and I got 3 hard enquiries which I have not approved. 
XXXX on XX/XX/2018 by XXXX, Automobile dealer, XXXX on XX/XX/2018 by XXXX XXXX, Experian on XX/XX/2018 by XXXX XXXX. I did not buy any thing and i did not get a loan. 
Please do the needful! 
Best Regards,
BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.
I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives.
On XXXX XXXX 2017, U.S. Bank authorized a transaction in the amount of {$33.00} that caused an overdraft. It was a one-time purchase from a store I shop at regularly. I do not have overdraft coverage. However, they let my account overdraft anyway, and charged me a {$36.00} overdraft fee. 

My agreement states they will not authorize an overdraft without coverage unless it 's through a check or transaction using my account number, automatic bill payments, or a recurring transaction, such as a monthly gym membership. 

Upon contacting their customer service, they stated that it was a recurring transaction. After questioning how it would be considered recurring if it 's just a one-time purchase, they replied, saying it 's because I shop there frequently and they 're considered a recurring merchant. 

The definition of a recurring transaction is a charge applied in predetermined intervals such as a subscription or membership. And my agreement with U.S. Bank even uses a monthly membership as an example. I have NOT found a definition that includes frequent one-time purchases from the same store. And my agreement with U.S. Bank does NOT include that as part of their definition either.
on my credit report it says that i opened 2 credit cards in XX/XX/XXXXand never paid them, also in XX/XX/XXXX that i recieved a home loan and a car loan that i also never paid on. At each time i was XXXX  in the XXXX XXXX XXXX XXXXXXXX, which is a matter of public record, obvious fraud. I've disputed these accounts with XXXX, XXXX XXXX, and several times with experian in order to have them removed completely from my credit report ; not just closed, because its obviously fraud. experian has just flat out refused to do this. im trying to put my life together and have been very successful so far. due to experian 's reporting these fraudulent charges, i have not been able to get approval for credit or a car loan. i dont know what else to do, they even at one tried to charge to have them removed from my record which i understand is racketeering by definition.
I deposited a check from my brokerage account to my US Bank checking account in the normal course. Us bank sent me a letter indicating they had reason to believe the check would not be paid. Customer service at us bank sent me to fraud, and then to my branch to resolve. They could not resolve the issue which was an unreasonable hold of 14+ calendar days to clear the funds.
I have been paying on my loan of {$4500.00} with Avant monthly and on time every month, then I noticed that in almost XXXX years at {$150.00} per month the debt has only decreased by {$610.00}.
I do not want the banking institution infringing upon my civil rights by telling me what purchases I can or can not make. When I apply for a credit card it is my choice what I will purchase not the banking industry. 

Respectfully, XXXX XXXX XXXX
My mortgage company is Ditech. About XXXX month ago I received a notice that my escrow account is short ( XXXX they spreading the XXXX in XXXX  months ) I did not have the money to sent that amount in which now resulted in my mortgage going up from XXXX to XXXX. In the XXXX years I live in my home, I never pay that much in my mortgage.I 'm currently not working and my last paycheck this pass XXXX was use to pay my mortgage. This mortgage company never in advance advised me that my escrow was low. Had they said something, I would of sent them extra from the beginning. I 'm struggling right now and not sure how I will make my next payment. I never have miss a payment on my mortgage and now I feel like I 'm being forced out of my home.
Bank of America put fraud warning on me through early Warning Services. My bank account from a different was closed due to this. Its causing finical hardship. Ive tried to fix this with Bank of America it they refuse to do anything about it
Chase Auto Finance is not providing accurate information via the IVR payment system. I had called in for several months and made payments over the phone after my husband and I separated ( XX/XX/XXXX ). The system has two options for payment. Pay the current amount due ( push 1 ), or pay the total amount due ( push 2 ). I selected the total amount due, since I thought I was a couple of days late on my payment, and owed a late fee. The system stated the total due was my standard payment plus a late fee. I was ACTUALLY 32 days past due and owed two payments plus late fees. I found this out when my credit monitoring app notified me the afternoon after I had made the payment ( XXXX XXXX ) through the IVR system. The credit reporting agencies already knew I was late, but their IVR system did not? This same thing had occurred for several months from what customer service told me that evening ( XXXX XXXX  ). I never knew I was behind. The rep canceled my morning payment and took a payment over the phone for the total amount due. Her manager admitted there may be an issue with the system but refused to make a goodwill change to the reporting of my credit. I have not had a past due payment in over 8 years. I filed a report with the XXXX. A gentleman with Chase 's executive office made contact with me more than once, but he never seemed to understand the issue. He could see that I had paid the late fee ( {$450.00} instead of {$440.00} ) so I must have selected option 2, and if that was the case, the amount I was told with option 2 was incorrect. I want the issue ( providing incorrect information via their IVR system ) resolved for all customers. Accurate information should be provided by a lender, even through their automated phone system. Thanks to their payment system, I had a 100 pt. drop in my credit. I'm likely getting divorced and now won't be able to buy a home. Things like this can have a huge impact on people lives but they don't seem to care.
This collection agency calls very frequently. They not only call my cell phone, but the home phone, my parent 's cell phones and even my sister and brother-in-law 's cell phones. My dad received a call from them yesterday and they refused to say who they were