WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX at approximately XXXX EST I logged into Capitalone.com to pay off my credit card in the amount of {$2500.00} ; my payment was dueXX/XX/XXXX. Immediately after I completed the transaction on the same date and at approximately XXXX EST I called Capital One to close my account. There was an automated service for account closings but I wanted to make sure that I spoke with a person to ensure my account was closed. The represenative I spoke with said he would close the account but that I would receive a final statement for interest. I advised that the interest is always charged on the XXXX of the month and charged when there is still a balance ; I had no balance. I also advised him that I made sure that I paid the current balance, that the current balance and statement balance were the same amount and that the full payment was made before the due date and before the next statement closing. He asked me if I would like confirmation of my account closing in writing and I advised I would, however, I still have yet to receive that in the mail ; my online account is currently notated as " restricted ''. He then threatened me with not only interest but interest accuring on top of the interest I allegedly owe in addition to fees until I paid Capital One. I asked him to notate my account as I would be filing a complaint. I continued to receive e-mails, more e-mails reminding me there was an alleged payment due in the amount of {$43.00} than I ever received when I had an account open. I called today, XX/XX/XXXX at approximately XXXX XXXX EST and spoke with a supervisor named XXXX. She said she would put me on hold and look into getting the {$43.00} " waived ''. She said they could not waive the interest although it is my position they should fix their erroneous calculation. XXXX also stated that the notes indicated the represenative that I spoke with on XX/XX/XXXX offered me a payoff amount ; he did no such thing, he said I would receive a final statement for the interest and offered threats because I advised I would be disputing any amount charged and because I paid off my entire current balance and closed the account. I asked XXXX to notate further that I would be filing a complaint with the Consumer Finance Bureau.
I have a bank of america credit card. In XX/XX/XXXX the minimum payment changed. I was enrolled in an automatic bill pay. The automatic payment amount was not changed to reflect the higher minimum. The payment was credited as late, and a late charge applied. This happened until XXXX of XXXX. At such time i became aware of this. ( no attempt to contact me about his problem was made ). In XXXX i believed this was taken care of. I spoke to them, they adjusted my account and the guy told me my payment was straitened out. 

today,XX/XX/2018 i find out that in fact the exact same thing has been happening since XXXX of last year. The guy i spoke to in fact did not fix my payment methods and although the minimum at the time was lower so that the amount my account was set to pay was sufficient for XXXX, it then back higher and again i began accruing late fees. I contacted them and they refunded some ( but not all ) of the fee, but they then told me i had make changes to my account via web page in order to get the account to where it would make a minimum payment every month, regardless of amount. 

The process is unnecessarily onerous and complicated. As someone with experience designing and creating websites and bill payment systems theirs is overly convoluted. After 18 months and 2 lengthy attempts at contacting them, my account is still not set up to make a recurring minimum payment every month. However only after my second interaction am I left with the knowledge this is not the case. 

As a credit card consumer, their process is so vastly different and outside the normal experience ( regarding setting up a payment for the minimum amount every month, i can only conclude that this is deliberately difficult in order to confuse consumers about the state of their account. 

These practices are at best indicative of inapt user experience planning, but more like a result of deliberate and intentionally deceptive design.
I keep receiving letters from transworld systems in regards to a debt that I was unaware of. I paid it the moment I became aware of it and called them on 3 occasions to report this and yet they still have not updated this. I am concerned they will mark my credit.
I was alerted by XXXX XXXX that a collection account was added to my credit report in XX/XX/XXXX. I called the collection company XXXX XXXX XXXX XXXX and asked what this collection ant was for at which time I was noticed it was for an after hour emergency visit on XX/XX/XXXX A YEAR AGO. I asked why I was never contacted and her response was I called one time in XX/XX/XXXX but did not leave a message. I asked if there had been any other attempts to notify me I had a balance due and she replied no. I asked if it was legal to just add a delinquent account to someones credit report without FIRST attempting to contact them to even let them know there was an outstanding balance as I have never received a single notice once stating I had a balance due. I have Medicaid insurance and do not have a deductible for an office visit or ER visit which this was just an office visit at XXXX XXXX XXXX XXXX XXXX in XXXX. The credit report has zero information as to when the charge was made, when I was seen, what the service was or if I had made a pmt or anything. It simply stated opened XX/XX/XXXX Reported XX/XX/XXXX {$260.00} Medical Past Due Collection Account OPEN STATUS which lowered my credit score and I had never been contacted my the health clinic or the collection company whom received my account in XX/XX/XXXX and just reported to the credit reporting companies without any attempt to notify my or to let me pay or investigate the charge as my ins should have paid it in full.

I then contacted the Original Clinic and they said they sent me one letter and it was returned stating moved but that was it. There was never a phone call made to me or my emergency contact and my Medicaid ins just never got filed as it should have and now she said it was too late for her to go back and file it since its over a year. I confirmed she had my correct ins info and she did however the billing Dept dropped the ball, I was never notified or given a chance to pay it and now it is reporting as an OPEN Collection Account for something I dont owe. Are there laws that state I have to be notified or that protect me if the billing department waited to long to bill my ins and now they wont pay it as that is all out of my control?
I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
I am being charged {$600.00} from central financial control which is a debt collector for XXXX medical center. This debt and account is an authorized and my primary care physician is located in XXXX and this debt originated from XXXX.
Describe what happened so we can understand the issue ... 
Santander Bank Mail Code:XXXX XXXX. XXXX XXXX XXXX, Pa XXXX continues collection efforts in reference to Account Number XXXX after receiving written notification by XXXX XXXX XXXX and XXXX XXXX XXXX to cease all communication regarding this account. The attached letter was sent in XX/XX/2016 and Santander Bank continued to send four additional months of late notices after the cease and desist notice. In addition they continue collect efforts after receiving written notice from my attorney XXXX XXXX XXXX from XXXX, XXXX, XXXX XXXX XXXX. These actions are in direct violation of 15 USC 1692c 805. Communication in connection with debt collection ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated. In addition 15 USC 1692d 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
My rush card was inactive for seven days.. I was expecting my pay check on Wednesday XXXX XXXX and did n't gain access to my funds until XXXX XXXX I called numerous times only to be hung up on. Whenever i did get someone on the line, they ran the same script saying they will call me back with information as it becomes available to them. I will no longer be banking with rush. They caused my light bill check to bounce ...
In XX/XX/XXXX, I received a notification from XXXX that J & L Teamworks ( collection company ) put a collection item in my XXXX account. As a result, my credit score plunged by 64 points, and ruined my credit just as I was going to have a background check for employment. J & L Teamworks contacted me about a year ago, but I remember being scared because the first thing the person said was, without even initially identifying herself or initially stating the purpose of the call : 'I know your social security number! No use trying to ... ' I hanged up right away, thinking it was some sort of identity theft prank call because the person claimed to know my social security number. 

The collection item that J & L Teamworks is trying to collect, {$530.00}, was a medical bill for an emergency service I received from XXXX Hospital in XX/XX/XXXX. At that time, I had 2 medical insurances - XXXX and XXXX XXXX. XXXX was my own insurance from my employment, and XXXX XXXX was my husband 's insurance in which I was also included. I found out 4 days ago, on XX/XX/XXXX, that the hospital incorrectly billed my secondary medical insurance, instead of my primary insurance. However, my secondary insurance paid the bill for {$530.00}. Months later, my secondary insurance ( XXXX XXXX ) retracted the payment and told the hospital that they should bill my primary insurance. But the hospital never told me this and they never sent the bill to my primary insurance : instead, they sent the bill to J & L Teamworks for collection as a past due item. The hospital never informed me about the retraction from my secondary insurance. Four days ago, I tried to resolve this and I contacted my primary insurance and they confirmed that they will pay the bill, as I have been paying my insurance premiums on time, and it is their responsibility to cover pay the medical bills presented to them per my insurance policy.This was an error on the part of the hospital. They should have billed my primary insurance, instead of my secondary, and they should not have sent the bill to J & L Teamworks for collection. They should have collected from XXXX instead. 

Now, J & L Teamworks is collecting the entire bill from my primary insurance, XXXX. I spoke with XXXX and they confirmed that they will pay the entire bill for {$530.00}. I asked J & L Teamworks to retract the collection item from my credit report, because the responsible party is XXXX - XXXX is responsible for paying the medical bill because I was insured and I have paid all my medical premiums on time through my employer and through my own monthly premiums deducted from my paycheck. As of today, XX/XX/XXXX, J & L Teamworks has NOT removed the collection item from my credit report, and they have damaged my credit which was excellent before they incorrectly reported a collection item on my account. 

In summary, J & L Teamworks has employed harassing telephone tactics, and they incorrectly reported an collection item on my credit report that is rightfully the obligation of my insurance carrier - XXXX. Lastly, they have damaged my excellent credit score and they should remove the report immediately.
I agreed to pay a settlement amount on a debt. The credit collection company [ Allied Account Services ] stated they would send a settlement letter that would outline this agreement to pay a reduced amount on the debt and this would satisfy the payment of the full debt. The letter/invoice that was sent on XX/XX/2017 did not state this directly. There was no verbiage on the letter which stated that the creditor agreed to accept less than the full amount of the debt provided that I made the payment on the agreed upon date. The only reference on the letter was that a " payment amount of {$230.00} is due in our office by XX/XX/2017. The arrangement is to settle the balance referenced above. '' I was n't comfortable with the contract it seemed very vague. This document seemed very unprofessional and not that of a reputable business in an attempt to collect debt legally. This felt like a scam. 
I called the Allied Account Services and spoke with XXXX and asked if she could send me another letter on company letterhead which stated directly that the reduced amount would satisfy the full amount of the debt owed. She told me they could not send me this type of letter and they were only allowed to send me the letter/invoice which I have. XXXX ( then later her supervisor, XXXX ) told me once I paid the reduced amount then the company would send me a settlement letter which stated that I agreed to pay of the debt at a reduced amount to satisfied the entire debt. I am not aware of this type of business practices. If we agreed on something it should be put in writing before a payment is made, that is the true essence of a contract. What recourse do I have that this company will honor the agreement after I send the payment with nothing in writing that outlines the premises of the agreement? I told them I was not comfortable with the letter/invoice that the sent. I told them what would stop them from saying after I sent the reduced amount that I owed an additional amount or even the full amount. I could n't with good conscience sign and send a payment on a contract that was so vague and potentially misleading. Even the remittance sheet showed the full amount. Nothing stated directly that this was an agreement to accept less than the full amount of the debt to satisfy the full amount of the debt. They told me this was all they could do and this is the only letter they would be sending me. These conversations occurred over the phone on XX/XX/2017 and XX/XX/2017. I spoke with XXXX XXXX ( who sent the letter ) then XXXX XXXX ( her supervisor ). They are not willing work with me and the debt will remain outstanding and impacts my credit score. There was no other recourse for me according to Allied Account Services , Inc .
Jefferson Capital System a ppeared on my credit report after the original creditor  XXXX   XXXX  deleted the account after several letters of dispute. I have never owned a  XXXX   XXXX  account. I believe after the original creditor deleted the account from my credit report the account was sold to  Jefferson Capital to try and recover. Jefferson Capital never notified me in writing of  this account after the original creditor deleted the account from credit. report. This account does't belong to me and I would like it deleted from all my credit reports immediately.
Signed up for free trial with XXXX ( experian ). I cancelled the account within a week yet they continue to bill my credit card. I am not sure who runs this organization ... but they are scam artists. I have confirmations that my membership is cancelled. Everytime I call they say I have a free membership but they continue to bill. I can get through to an operator because they say I have a free membership. I even get emails three times a week to update my credit info. I am not sure how they get the charges processed with my bank. I think they must have used my information from my file without my authorization. Please help ... ..I can't afford {$360.00} a year.
I am working with a settlement company. I have had 4 different companies try to collect on the part of the debt that should be written off. I have also had the settlement company claim that they reached an agreement with the company but not record the payment that the settlement company should have sent them.
I was a customer at XXXX XXXX for two years and I recently cancelled my account on XX/XX/XXXX of this year. Later in XX/XX/XXXX that same year, I talked to a representative that I wanted to cancel my account and she told me that I have to cancel it before the XX/XX/XXXX and I did exactly that. After 4 months, I was there and number contacted me saying I owe this amount to XXXX XXXX. The collection agencys name is XXXX. I then called XXXX XXXX and ask how come they said I owe them? And they told me because I had a prorated amount of {$44.00}. In this case, they then told me that they sent several notification about the bill to my my address which I found out that its was a wrong address. Now they want me to pay {$230.00} to the collection agency. I explain to them its not my fault because they had the wrong address but to no avail.
this is for XXXX XXXX XXXX with XXXX XXXX XXXX from XXXX 2014. this account was charged to XXXX XXXX and should have never been charged to me. it is a closed account, and should not be on my credit report
On XX/XX/2018 I received a collection notice from Grant & Weber , Inc collecting on behalf of XXXX XXXX, XXXX, a physician from whom I have never received services. I sent a letter dated XX/XX/2018 requesting validation of the debt. I never received debt validation nor a response to my letter at all. I gave the traditional 30 days to respond and they did not. Instead, on XX/XX/2018, Weber & Grant , Inc reported this debt as a collection account to XXXX, thus damaging my credit, with no proof of validation of the debt prior to reporting. My letter to them is attached.
I have an XXXX XXXX XXXX account card that went past due, and was closed. I was called by a XXXX XXXX representative over the phone, and was told to enroll in a series of payments that would bring my debt down to XXXX in 6 months. He gave me the payment schedule, and the amounts that would make this happen. I agreed and verbally authorized the payments from my account. I recently checked my account, and my payments have posted 6 days early, yet I am being charged late fees which will prevent me from paying the account down on the promised timeline. I called the bank, they refused to refund the late fees, and I was told that no matter what payment plan they had set up, I would still have to pay the fees until the amount was paid in full. I was then told that despite what plan I may have set up, it would not satisfy a " third party '' collection agency. So, that means that they 're still collecting on debt they 've already sold, or I 'm paying two different people for the same debt. I was unable to get a straight answer from anyone at the organization, and this feels fishy in my gut. Something is n't right.
On thursd XXXX/XXXX/15 my employer sent my direct deposit to Rushcard. Rushcard then ppsted my deposit to my other card on my account. I tried to withdraw the money and my pin was not working. My card was inactive. I called rushcard and after a whole day on the phone i finally got it activated but was unable to change my pin. I then did a card to card transfer figuring that i would be able to take the money off that way. My full balance of XXXX showed up for XXXX mins then dropped to XXXX. I have not been able to access my money or get a straight answer as to why from rushcard since.
I used my XXXX card to get the service I needed, but at the time I was n't old enough to have a supplement. They turned this over to collection in record time. I had a XXXX XXXX on XXXX/XXXX/16. They could have made arrangements with me, but chose to affect my credit score, which it did by XXXX points.
THERE ARE SEVERAL CREDIT INQUIRES RESIDENT CHECK, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, AND XXXX INQUIRES ARE ON MY CREDIT REPORT THAT HAVE BEEN DISPUTED SOME HAVE BEEN REMOVED BUT SOME REMAIN THAT DID NOT HAVE AUTHORIZATION TO PULL MY CREDIT REPORTS I REQUESTED VALIDATION TO SHOW WERE I AUTHORIZED THESES CREDIT INQUIRES AND IMPROPER RESPONSE WAS SENT BACK NOTHING SHOWING WERE I SIGNED TO HAVE MY CREDIT PROFILE PULLED
I received an call yesterday from XXXX with IQ Data collection agency. He called from the phone # XXXX at XXXX XXXX. He advised that his supervisor 's name was XXXX XXXX. He said that he was calling about the balance that I owed my prior apartment complex and gave the amount due. No where is this call did he read the collection agency mini Miranda statement which is Sec 807 ( 11 ). So with that being said he already violated the law. He then went on to say that I need to pay this debt this month. I advised that I can make a payment but I'm unable to make the payment in full. He this says that this needs to be paid in full this month or they will move forward. I asked what did he mean by that and he says that they will put on my credit report. I said ok I will just make payments until it paid in full. XXXX says that will not help and I say why because if I'm paying that should bring it down. He said because we will move forward I said with what. He then demanded that this be paid in full by the end on the month are they will move forward. I said that you have not answered my question he said I don't need to answer your question. I asked to speak with his supervisor. XXXX XXXX gets on the phone and I explain to him like I did to XXXX that I want to pay the debit but I'm unable to pay in full I only make monthly payments. He then says that he can give me the address to make payment then turns around and say that I'm unable to make payments and that this is a property debt and if it not paid that they will mark the account and refusal to pay and they will move forward. He also stated that I need to get the money someone or get an loan and make payments to them. He also told me to get an lawyer. I asked why would I need a lawyer to pay an debt. He said that it because it a property debt and he not an lawyer and not able to give advise. I told him that it is illegal to threating someone over debt to be paid and I was going to report it and he said to go ahead. I never received a letter to validate the debt and they refuse to give me 30 days to pay the debt.