WillisBack/dataset-financial-user-claim huggingface dataset:
These were medical bills that were sent to the debt collectors after the provider mailed the incorrect insurance company. I was covered 100 % under my insurance and should have never been billed. I reached out to the collection agency with no help at all, also reached out to the medical facility that stated they would not be able to help because they are not the establishment who billed me (   XXXX   XXXX    )   XXXX   XXXX   XXXX  -- - {$100.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$110.00}  XXXX   XXXX   XXXX  {$140.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$200.00}  XXXX   XXXX   XXXX  {$220.00}  XXXX   XXXX   XXXX  {$700.00}  XXXX   XXXX   XXXX  {$240.00}
I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.
I received a phone call from a Company claiming to call to verify information so that I can be served with Court Papers. The caller claimed that I would be charged with a crime for not paying a payday loan. I dont recall applying for the payday loan and it was from an address that I resided at 7 years ago. The caller claimed that they made every attempt to contact me. I informed the caller that I know longer live in XXXX  and havent lived there since 2012. The caller said that I would be charged for check fraud and I would have to go to Court in XXXX. I now live in XXXX and have been here for over 6 years. The caller will not give me any information on the loan. Like the original loan dates and Current name of the company. The caller did have my social security number, my name and an old address. The number for the company that contacted me is XXXX XXXX XXXX XXXX.
Two years ago ( XX/XX/XXXX) I was enrolled in a low deductible health insurance plan with an HSA account. There was a low balance fee ( custodian administrative fee ) of {$2.00} per month for balances under {$2000.00}. I changed health plans in XX/XX/XXXXto one that did not have an HSA. I did not contribute to the HSA nor did I withdraw from it in XX/XX/XXXX, and I did not carry any balance. It was effectively unused and deactivated. This year I changed back to the same plan as in XX/XX/XXXXwith the same HSA. In XX/XX/XXXX I was charged {$30.00} ( 15 x {$2.00} ) in fees for low balance. It's possible {$2.00} of that was for XX/XX/XXXX, but the other {$28.00} ( or minimum {$24.00} for 12 months of XX/XX/XXXX x {$2.00} ) was charged for when I was not able to use the account. I called the benefits administrator ( XXXX ) and they called in with me to Bank NY Mellon, and both parties said they were unable to reverse or waive the fees. This was in late XX/XX/XXXX or early XX/XX/XXXX.

Note that I changed addresses in XX/XX/XXXX.
For several months now, about every other day, I have received telephone calls from the following phone numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have not been answering these calls. Each time I receive one of these calls, a voice message is left which is about 3 seconds long and contains no identifying information, no call back information and no information as to what the call is regarding. It 's a completely silent voicemail lasting 3 seconds.
Reverse look-ups on the numbers reveal that they are assigned to a XXXX. Calling them reveals that they are affiliated with Central Credit Services,  LLC
I HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
We bought a house in 2005 using XXXX XXXX. We have owned the house for 10 years, had the account on auto draft, and never missed a payment. In XXXX XXXX XXXX sold the mortgage to Nationstar. Without any correspondence we find out through our credit score that Nationstar is reporting us missing a payment and 60 days late. We contacted Nationstar immediately and provided them will all of our bank statements and documentation showing where we have made all payments. The result is everytime we call we get a different indiviual. Most of the time the english is so broken you ca n't have a coherant conversation. Next, Nationstar will not let you speak directly with the official looking over your case. Everytime we call someone will tell us it 's fixed and then they 'll transfer us and the next operator will tell us they have not even opened up a case number on our complaint. Finally today, Nationstar asked me for bank statements again to include statements from XXXX XXXX. They did not obtain the mortgage until XXXX. This has severely affected my credit score and XXXX transitioning out of the service in the next several months my credit score is crucial in mine and my family 's transition into civilian life. Nationstar has admitted over and over again that it 's " their system 's mistake '' yet they refuse to fix the problem. I do not know where else to turn at this point. When you provide a company black and white proof that you 've done the right thing and they continue to sit on the problem while it affects your financial future is beyond infuriating.
I have been attempting to resolve issues with the information included on my credit reports for over 6 months and have not been able to receive satisfactory outcomes. 

When reviewing my XXXX, Equifax and XXXX reports this past summer, I noticed several accounts that I did not recognize : XXXX XXXX, XXXX XXXX, and XXXX XXXX Bank. On XX/XX/XXXX I wrote each reporting agency a certified letter requesting that the accounts be removed from my credit report. A month later I received correspondence from each agency stating the accounts were " verified as mine ''. I then submitted follow-up letters to each agency on XX/XX/XXXX requesting details about the information that was used to verify the that information correct, and received another " verified as accurate '' letter from each agency with no additional context and none of the information I requested. 

I have subsequently sent four ( 4 ) additional follow-up letters ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to each agency requesting the method ( s ) of verification, copies of documentation reviewed, copies of signed contracts with my signature, etc., and to date have received the same generic " verified as accurate '' response. 

As my frustration level has increased with the lack of progress being made I began researching my rights in these matters and came across the Fair Credit Reporting Act. One of the sections in that piece of legislation states that these credit reporting agencies are supposed to keep and maintain copies of the legal documents consumer sign with companies/lenders. If that is the case, why would they not share that information when I requested it? The obvious answer is because such documentation does not exist, but then why continue to state that the information is " verified as accurate ''?
Date : XX/XX/2018 Dates : XXXX Amounts : {$19.00} Actions : I was creating an account of Transunion , and after I put my credit card information for the account so they can check my credit scores, but they automatically charged me without asking or confirm the order. If I know I have to pay for that service, I will not do it at all. Plus, I have a hard time try to cancel my account, and it's just not easy to do it. I called them, and I asked for refund, and I got a conformation number, but that's about it. I might get my money back, but that wasn't a good experience at all. I was trying to delete my personal information as well, and I couldn't do that. I have to call them for other time to delete my personal information.
First of All, al l of my loans are in default because  XXXX   XXXX  refused to work with me on consolidating my private loans, they would not help me to get payments to where I could afford them. I was NEVER told ever in the 10 years I have had the student loans that there were other options besides forebearance or deferement. I did those as long as I could until I could no longer do them anymore and then I just did nothing. In  2013 , I was working with Creditor, which I never should have because it was probably out  of SOL, but I  was told my wages would be garnished etc. I was lied to. This whole process started in  XXXX     2013. I w orked a deal with the creditor to lower interest rat e to .001 on private loans after making 4 qualifying payments of {$250.00}. Well I did that, in the mean time Navient t ook over and my interest rate never was changed I fullfilled my obligations they did not fullfill theirs. After repeated emails, and calls and being transferred to several people and no answers. It took 4 years, 4 years for them to figure out how to get my interest rate down to .001 %. I have yet to see any paper work to show that they took off all the interest that incurred during those 4 years as well as any late fees incurred. I have asked and none has been sent. Now they want me to renew my payments for another 2 years. I told them I need the payments lower as I now own a home and I already pay federal loans to Navient and customer service reps are very rude to me and refuse to work with me and lecture me on how I should have never been late on payments and how it can negitively affect  my credit score which only   ifurates me considering I have waited 4 years for them to fix this  XXXX . My mortgage is now twice as high as when I started making these payments I can not even afford to feed my kids. I have worked with them yet they STILL refuse to work with me and continually  XXXX    XXXX   XXXX  . I am tired of it and need something done or I am just going to try to get another loan an hire a lawyer. Something needs done to protest us hard working people who are trying to pay this back yet get NO help. I am NOT refusing to pay I am asking for a smaller payment. Federal loans go my my income and is way lower than what they want. I can also go on about  XXXX   XXXX  who also promised to place me in a job when I graduated and they did not do that either. They made many promises and promises to ma ke  XXXX - XXXX  g rand a year which is NOT happening. Anyhow any help you can provide would be beneficial.
I pulled my credit report and saw that I had a collection account. I have never received a bill from the hospital and have never once been contacted by the hospital or by the collection agency that has since taken over the debt.
According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.
XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.
I 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of 3 minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.
I received a credit inquiry alert from Experian on  XXXX / XXXX /  XXXX  . The following credit inquiry is fraudulent and unauthorized and do n't belong to me :  XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , OH  XXXX .
Following the loss of my wife 's job in XXXX XXXX and failure of XXXX to renew the Federal Emergency Unemployment Act for XXXX, my wife and I applied for a modification on the mortgage of our single family residence in XXXX, MO in XXXX XXXX ( see hardship explanation attached ). Our servicer, Seterus, Inc. accepted us for a trial modification which we completed in the latter half of XXXX having made all payments within the stipulated timeframes. The first month we were due to start our permanent modification we noticed we could n't make payments online because Seterus portal referred to our modification as " Reviewing for Completeness '' and would n't let us progress to our mortgage account page. Upon calling customer service on XXXX occasions in late XXXX, we were advised since we paid XXXX of our trial payments in XXXX instalments that Seterus ' automated system had not processed our mortgage as permanently modified and our paperwork was required to be reviewed manually. We were told this explained the " Reviewing for Completeness '' dialog on the website ( screen grab attached ). We were told not to send any more payments as they would be held in a suspense account or returned to us and that the best way to proceed was, in the agent 's own words, to " jump start '' our modification by reapplying for another XXXX. We were told we were still subject to foreclosure at any time. Following this call, my wife and I decided it was not in our best interest to get caught in a cycle of applying and applying and we decided to wait on the outcome of the review of our original documentation. For the rest of XXXX and all of XXXX we received no further written correspondence in relation to our modification and Seterus website was unchanged displaying a dialog that our modification was still " Reviewing for Completeness '' and so in XXXX XXXX we sent them a fax requesting an update on the status of our modification, or completion of the modification, both within 30 days ( copy of fax and confirmation of receipt by Seterus FROM Seterus attached ). To date we have still not received any written correspondence from them except our monthly statement for XXXX showing 683 days past due in the amount of {$16000.00} including fees.
Equifax suffered a data breach and failed to adequately notify me of the breach in a timely fashion. Additionally, Equifax has not provided specifics on which pieces of my personal identifying information were stolen. Equifax 's overall communication and handling of this entire issue have been poor.
XXXX XXXX XXXX XXXX/XXXX XXXX XXXX I'm writing in regard of services I received from Ambassador Mortgage. The services where unsatisfactory. During the month of XXXX me and my spouse where pre-approved for {$220000.00}. We had three homes inspected along with the appraisal. This went on for nine months the broker could never close the deal and get the final clear to close. She would ask our Realtor at the time was XXXX XXXX with XXXX XXXX XXXX for extension after extension this went on for 2 months with no closing date. She was not able to secure our mortgage. She coerce use into the lock in rate. Her fees consist of {$400.00} lock in rate, {$250.00} transfer paper from one house to another, {$170.00} consultation fee, appraisal {$570.00}, Home inspection for three homes totaling {$750.00}, credit bureau {$26.00}. We are out of {$2300.00} XXXX XXXX Owner Ambassador Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, La XXXX XXXX.She was not able to secure our mortgage. She coerce use into the lock in rate. I would appreciate your assistance in resolving my complaint. If the matter is not resolved with a refund, I will seek small claims court and let a judge decide
I had a money market account with HSBC.. I closed it on XXXX/XXXX/2016. I only received interest through XXXX. I was owed 9 days interest totalling about {$11.00}, which I know is a very small amount. I still have a checking account & credit card ( both mostly inactive ) at that bank. They could easily credit the interest to those accounts but wo n't. Their customer service department is a nightmare. After marathon waits on hold enduring music which seems designed to be annoying, you speak to a series of exquisitely polite human automatons who keep connecting you to someone else until eventually you either get disconnected or speak to a supervisor who tells you to call back later or says someone will call you back ( they never do ). I 'm tempted to just let them keep the {$11.00} but I do n't want to let them get away with it & I can not handle another session w/the customer service dept. Please make them pay me the interest which they do n't even dispute they owe me.
Before applying Chase Sapphire Reserve credit card at the branch, I had the Chase Private Banker to call the lending department to see if special consideration will be provided to Chase Private Client when the customer has opened many credit cards over the last 24 months. The lady from the lending department told the Chase Private Banker that special consideration will be provided to Chase Private Client but no guarantee of approval. Based on this piece of information, I decided to apply the credit card and it came back as a denial. When the Chase Private Banker called the lending department to request special reconsideration, then we were told special consideration for Chase Private Client was terminated XX/XX/2016.
I was behind on my mortgage payments I got a call from the company and the lady treated me like garbage asked what I was doing even owning a home I should n't even have bought a home said I did n't deserve a home asked why did I buy a home if I could n't afford it made me feel so bad why would I ever want to talk to them again. Since then I have been foreclosed on kicked out of my house even after I told them I lost my job and was unemployed all they server said was make a payment and a half unroll caught up it was berry frustrating I do n't know if there is anything I can do to get my house back but I just do n't want them to be able to do this to other people.
I applied for a personal  XXXX  XXXX  XXXX  around  X/XX/17    beginning with their prequalification application. I was contacted by   XXXX   XXXX   to complete the application. Once I spoke to someone a verified the interest rate/apr I emailed  XXXX   XXXX  stating I will not be moving forward with the loan application at this time. From that point forward I began getting an overwhelming amount of autodialer and human operated phone calls to complete the loan application as well as emails ( multiple calls & emails daily ) from  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . I have my phone records and emails for reference if needed to confirm these allegations. Because I was still in need of locating a personal loan I contacted   XXXX   XXXX    via  Chat  messaging to complete the next step in the application and have my credit pulled. I completed and provided everything required as I was pre-qualified. I was later informed by  XXXX   XXXX  that my loan was declined due my  XXXX  bank account bot being open 90 days, I was  2  weeks short of 90 days. I let her know I have an open  XXXX   XXXX  account and that I was currently transitioning from  XXXX   XXXX  to Chase. Immediately once she discovered I was declined she stopped responding to my emails so I had to call her multiple times to get a response. She advised for me to try and apply after  X/XX/17   . My adverse action letter stated I was declined due to serious delinquency, collection filed, revolving ratios & proportions, length of time legal item filed. This is not at all why I was explained I did not qualify. If you have to have an open bank account with direct deposit for 90 days should n't that be part of the pre-qualification prior to pulling someones credit and causing a inquiry and potential decrease in score? I feel  XXXX  needs to re-evaluate their pre-qualification and final approval/decline procedures to be consumer driven so consumer are not under the impression they are approved based on all factors except for a bank account open date. Keep in mind  XXXX  wanted 135 % + in interest/apr and I was able to obtain a personal loan from another lender with rate of 35 %. I have since been receiving emails from  XXXX  from  XXXX   XXXX  to contact her to reapply. How would this make sense If my adverse action letter states I have multiple reasons I was not approved yet the same company wants me to apply for a loan 3 weeks later with understanding I would be approved.