WillisBack/dataset-financial-user-claim huggingface dataset:
After surviving XXXX XXXX XXXX. I ended up paying {$15000.00} in medical bills out of my own pocket. Most of these bills I paid immediately. I made sure to avoid ALL medical debt. Yet, after 6 months I start getting calls from EOS. A collection agency based in Texas, even though I 'm in NY state. 

After I deal with the confusion everything is cleared up, or so I thought. A year later they call again. It 's the same two bills. I sent in more specific information. Another year goes by and they call again. By this point I 'm very angry. I have XXXX XXXX, in XXXX call them directly! I 'm left alone for all of XXXX. 

Then inXX/XX/XXXX they call again. I mail them the copies of the bills I paid out of my own pocket all those years ago. This is some crazy frivolous XXXX. We 're talking {$82.00}. I finally consult a lawyer for free and he says it 's fraud. I do not have the money to sue, I became unemployed from the illness. Luckily doctors finally found the problem and put me on the right medicine. I 'm working my way back to a normal life, with a good paying job. 

They are n't stopping anymore. They keep calling with more devious ways to fool me into giving them my personal information. I went to the hospital and printed every receipt I could find on top of the ones I have. I was instructed to never speak with them again. But it does n't stop. Please seek justice on behalf of the many who ca n't afford legal action.
In XX/XX/XXXX I made a mistake in taking this loan of XXXX  XXXX.I was aware of a steep finance charge of about {$120.00}. The Truth in lending disclosure was not visible at the time I was applying for the loanXXXXXXXX XXXX XXXX XXXX XXXX Big Picture Loans.com are predatory lender engaged in illegal business practices. 
In XX/XX/XXXX XXXX District Judge XXXX XXXX XXXX ruled that the FTC Act " grants the FTC authority to regulate arms of XXXX tribes. their employees and their contractors. '' Specifically regarding deceptive payday lenders hiding behind a tribal affiliation. 
I had not been notified of a 697.0822 % interest rate I was aware of a finance charge It was not totaled in the payments how high the entire loan would be. 
I was unable to view the " Truth in Lending " disclosure until after the loan was had been processed and the funds delivered to my bank account. 
This is Illegal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or Big Picture Loans.com are not immune to the laws of the federal government. Interest paid to date {$1100.00} priciple balance to date {$180.00} regular payment amount {$160.00}.
Elderly woman 's bank account was frozen by Wells Fargo branch in XXXX, NC. Reason given was for non payment to the NC DEPT OF REVENUE in which she was supposed to pay XXXX dollars a month to satisfy a debt owed. I Called the bank and asked what could be done to have the account unfrozen so that the woman could could pay her bills. The representative told me that if she authorized a payment of {$190.00} to the entity owed the money that she then would be able to have access to her account in order to take care of her business. After paying XXXX dollars the bank said that it could take up to 24 hours for the release to occur. That date was Friday, XX/XX/XXXX. On Monday XX/XX/XXXX she went to the bank to withdraw money in order to pay her bills and only XXXX dollars was left in her account out of XXXX dollars. Now this woman has to face eviction and utilities shut off. After further investigation of the matter, it turns out that it was not The Dept of Revenue, but instead a car rental company that said that she owed money for a car rental. The bank charged her XXXX dollars and then gave her money away without her knowledge or authorization. She is now fighting a losing battle with the bank in recovering her money. Could you or someone help this poor woman?
Capital One notified me of potential fraudulent activity on my account XXXX Note it was the XXXX time in a year there was fraudulent activity ). I confirmed the activity was fraudulent and was issued a new card. I was told I would not be responsible for the charges. Then 10 days later I get my bill and the charges have not been removed. I was informed it was because the charges were still pending when the fraud claim was filed and it was my responsibility to call back. This is ridiculous for 2 reasons. 1. I was not told this on the initial call. 2. Capital One should develop a system to remove these type of charges without the customer waiting and calling back a second time. It seems like willful ignorance to not have a few fraud claims disputed. As I explained to the agent even a pen and paper would be a sufficient system to deal with these issues.
Wells Fargo - XXXX Had small biz checking account with WF with {$0.00} fee for min {$3000.00} balance. WF increased minimum balance for {$0.00} fee to {$7500.00} and began charging {$14.00} fee in XX/XX/XXXX. Now have {$70.00} in fees for 5 months. Went to WF to request fee refund. WF changed account to {$0.00} for min {$500.00} balance but said could only refund last XXXX {$14.00} fees because they can only go back 60 days. Requested these 2 months of fees be refunded but they have not been refunded. Account with {$0.00} fee for min {$500.00} balance was not mentioned during opening of {$0.00} fee for min {$3000.00} balance account even though I asked for the {$0.00} fee account with lowest min balance. Have paperless billing and was not notified by email about min balance increase resulting in {$14.00} fee charges. WF says notification was mentioned in monthly statement. 
I request WF account fees, fee notifications and fee refunds be investigated. If WF practices are lawful, then make email notifications of fee changes required for paperless billing accounts.
I obtain my credit report dated XX/XX/2016 in correcting my credit. I have filed numerous dispute with all XXXX credit agencies of my residence, and information on my credit. I have also written the owners of the property in which I asked for more information on whom obtained residence in my name. I have not heard from the owner. So I have been continue to file disputes of this and credit agencies continue to have this on my record.
XXXX XXXX XXXX  XXXX XXXX have accessed my credit and listed the legal permissible purpose for its collection efforts. I have written the company and they have refused to provide any information about the debt it is allegedly collecting. I filed a complaint against XXXX who responded to its CFPB complaint that it had tow open accounts, however, they too have refused to provide any information about the accounts reported to the CFPB. The complaint number is XXXX about XXXX XXXX XXXX , XXXX. Both XXXX and McCullough are repeatedly checking my credit but do not provide any information to me concerning the alleged collection efforts. I have mailed the request to XXXX XXXX bar number XXXX. I believe it is a debt collector law firm by definition ; similar to the XXXX XXXX XXXX law firm that CFBP recently sued in Federal Court.
On XXXX XXXX, 2016 the short sale lender requested that we receive an offer in the amount of $ XXXX. I now have an offer in that amount and I submitted it over to the short sale lender on XXXX/XXXX/2016 and the short sale lender has come back and stated that they do not have enough time to review the short sale offer and they suggested that I just let the property foreclose. However, if they would postpone the foreclosure sale to review my offer, then I will not have to get foreclosed on in XXXX. At this time, I feel as if the short sale lender is being unreasonable and they are not giving me an opportunity to review any foreclosure alternatives. This is absolutely the worst lender I have ever experienced. I know that the government says that the lenders should provide foreclosure alternatives to homeowner. So, I am asking, no I am demanding that someone stand up for me and my right to need assistance.
Experian credit reporting agency is reporting a tax lien that does not exist. The county they are saying filed it is XXXX County Oklahoma. They are reporting {$52000.00} from XXXX County Clerk XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Ok XXXX phone number is XXXX ( XXXX ). No such tax lien is existing. I have had no luck getting Experian to remove this. They are also reporting a lien that was paid in XXXX County as unpaid when it is paid.
We went to refinance with another company due to the XXXX XXXX at the time increasing my monthly payment close to {$400.00} - per them they under estimated my escrow. Not really sure how that could have happened when virtually nothing had changed over the year. The property taxes may have increased {$150.00} over all, but that in not way constituted that high of an increase. Went to closing, I was told that the payoff balance included the XX/XX/XXXX payment. I had made the payment, then once I found out the payoff included that amount, the XX/XX/XXXX payment was reversed. A week later the XXXX rejected the wire transfer as they are now stating funds were short. Thus the XX/XX/XXXX payment, they had advised not to pay, since it was included in the payoff amount. The attorney went over all the numbers & confirmed to me that the payoff amount wired to them indeed included that XX/XX/XXXX payment. They now have left me threating phone calls & sending me XXXX to Foreclose on my home. I have Never missed a payment with this company. We spoke to a gentleman with the said company & he advised that they would accept the wire next time it was sent through. I has bounced back yet again. XXXX they had also advised I had money in escrow in XXXX phone call & then in the next call advised I had a negative balance - not sure how that can happen. I just want this matter closed out & finalized - I am already ready to move on with my new XXXX & making payments to them. Thank you for your time & assistance in this matter.
Experian shows charge off as status every month for XXXX months. Should only report as charge-off for XXXX month.
I took out a loan with All Credit lenders in XXXX, Illinois XX/XX/XXXX or XX/XX/2015.They are taking {$50.00} out of bank account every XXXX weeks. The loan was for {$300.00}. I have never received any statements.I have asked to be mailed to me or emailed. The email they gave me to read my statements did n't seem like a legit The account was down to {$190.00} after I complained about the excessive charges. they claimed it was do to a computer glitch. Now the account is back up to {$230.00} the company states I did not come in XX/XX/XXXX or authorize for them to take it out of my bank account in. This is not true. I asked that a manager phone me. I have not received a call. For a {$300.00} dollar loan I feel I have paid over the amount of fees and charges. They harass me for the payment prior to the payment date. However, I can not get cooperation why my loan never seems to be going down. Please help me. All Credit lenders XXXX XXXX XXXX XXXX XXXX XXXX. Thank You in advance.
I have been a client with Citibank for over 30 years. My wife and i have a joint checking and savings account. In XX/XX/2018 we received notification of a Know Your Client program at Citibank, which honestly appeared as if it were a scam. I went into a branch and after checking with the branch manager, and being assured it was real, answered the questions over a telephone line clearly outside of the United States. I felt the questions were quite intrusive ( including employment information, salary information, etc. ). My wife had received the same correspondence. We assumed since it was a joint account with my name listed first, because I had answered the questions no further action was required. On XX/XX/XXXX we went to withdraw funds and discovered our account had been frozen. We immediately called, found that they needed the same questions answered by my wife, and we immediately provided the information. We were promised the account would be unfrozen. In the meantime, the bank bounced all of our checks and we had no access to our funds or to make transfers. During the ensuing four weeks, we have called daily and lodged complaints, and requests for the accounts to be unfrozen, all to no avail. We still have no access to our funds or our account.
I tried to respond to complaint  XXXX  but it was closed. First corrections do not seem to be sent to every credit agency. Second I do not believe what has been reported is true and accurate information under the Fair Credit Reporting Act. Please provide proof of all statements and accounts you claim I did not pay on time.  All 8 accounts and history of all 8 statements/bills and proof that all 8 are indeed mine. I am disputing I ever had 8 delinquent accounts.This is not fair reporting
Hi I have recently been notified from JPMorgan chase that all my 4 credit cards with them have been closed with no explanation over the phone at all that there is nothing for me to do about it and no one to talk to I have been an excellent customer with them for over 2 years now and relly on there credit cards for daily and large purchases
I am under the impression from my mortgage that someone attempted to purchase my home fraudulently or barrier home ( s ) attached to my probate within this mortgage XXXX XXXX XXXX. I have a mortgage so these people ( actors ) can not steal my home and mortgage ( probate ) as they did in Delaware using fraud. The XXXX law firm was involved in these fraudulent practices in Delaware. My probate is from XXXX probate presented XXXX overseas never received alerted of it just recently and asked for a copy from the city. I was a minor in the XXXX XXXX and was XXXX. My ex husband died in XXXX and I never authorized XXXX XXXX XXXX or his XXXX any authority or amendments to the probate. I do not have any XXXX and I am the sole probate holder born XXXX XXXX XXXX no I am not affiliated with any actors. Actually was married in XXXX and my name became XXXX XXXX. I was defrauded of my finances in XXXX by a XXXX of XXXX XXXX tricking me into a divorce. They supplied me with none of my finances and XXXX law firm fraudulently took the home and barrier home ( XXXX ) and properties as well in Delaware. My original mortgage is from XXXX Bank XXXX XXXX, XXXX. This account mortgage was sold to XXXX XXXX XXXX where it stayed for years being juggled through different accounts within XXXX XXXX XXXX. In XXXX XXXX, XXXX I set up for my current mortgage that it was sold to M & T Bank. I believe the fraud is in each time my mortgage was sold these actors fraudulently set-up mortgages on their homes to buy them ( their homes ) and to receive government funds that I never allocated to these premises. Due to the nature of these claims I need the XXXX XXXX XXXX XXXX XXXX for XXXX XXXX staff to be notified and request that this individual has no affiliations with the acting community or the XXXX law firm.
ATG Credit has made 5 false entries on my credit report for accounts that are not mine. I do NOT owe them, nor the original creditor anything. 

I sent them a letter on XX/XX/2018 asking for the following : " What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service '' Additionally, I also requested that no telephone contact be made by them to my home or my place of employment and they are calling my daily at work and home regarding a debt I do NOT owe. 

Also -- please note they have 30 days from the date of my request to provide validation per the FCRA which has long since passed. I sent it certified mail so I know they did receive it.
Hi! 

I have a Chase credit card. When I updated my phone number and address on XX/XX/2016, the change did n't make its way through all of Chase 's internal systems. When I submitted a dispute for a transaction, Chase only talked with the merchant, who gave false information, and closed my case without issuing a refund for a refundable transaction. They never reached out to me for information. When I finally got to speak to their dispute department, the response for having the wrong phone number on file was, " you should speak with customer service ''.
I have found wrong information reported on my report : "   XXXX   XXXX   XXXX   - -  XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update
. Under fake indentify card she got money via Western Union Bank in XXXX. Her name was XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The identfy card is fake confirmed by XXXX in XXXX. My case had been investigated by XXXX XXXX XXXX Senior Legal Analyst Western Union LLC, XXXX, REF XXXX. XXXX XXXX XXXX XXXX wasnt able to determined who was real receiver. As XXXX XXXX XXXX stated, the named payee presented identification and the transactions were paid correctly. Please help me and contact me by email XXXXXXXXXXXXMTCN XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXXMy case number XXXX XXXX XXXX XXXX XXXX Fee Fraud SectionEconomic and Financial Crimes XXXX, XXXX XXXX : XXXX, + XXXX : XXXXEmail : XXXXXXXXXXXX : XXXX XXXXSpecialist Customer AdvocateOffice US : + ( XXXX ) XXXX ext. XXXXOffice Intl : + XXXX XXXX XXXX XXXX ext. XXXX : XXXXXXXXXXXX. XXXX is able to cofirm, that nobody recieved money in XXXX. We have difference of opinion between me and XXXX XXXX about money transmitance. I cant agree with such manner of money transmittance that it was absolutly enough to know MTCN and answer to questions, the other - name. surname, address, country is not important. I have sent money only to XXXX XXXX, and only to XXXX. Money took a strange payee, who was???? This person XXXX XXXX is not going to find out till now!!! Please help me and contact me. I look forward Your reply as soon as possible. XXXX XXXX
XXXX XXXX company is a debt collection company who hired a courier to call and contact me in order to " serve with legal documents '' I was unable to answer the call at the time because I was at work, the individual proceed to tell me over the phone that if I did not respond or he could not find me at work then he would take it as me not wanting to comply and they would '' take me to court '' When I called the company back I spoke with XXXX XXXX who stated they hired courriers but would go down to the " legal department '' and see if he could get my paperwork. He placed me on hold and told me it was a wells fargo account from 2008 almost ten years ago. He told me I had only two options one was they would proceed with legal action and I would have to go to court where the judge if found guilty could ask me to pay up to 2000 but I could also go with second option where they would stop legal action and all I would have to pay was a bit over 800. I was in the middle of work had to attend a meeting and I agreed not knowing it would start statute of limitations again if I gave anything. I gave XXXX but later realized it was intimidating when he and courrier spoke about legal action, court and showing up at my work to collect a debt that is almost ten years old, now that im recalling never showed on my credit report. when I gave him my card he said I have to go run in when he came back he said " good news I was able to stop courrier and now you wont be taken to court '' I again found the whole incident very intimidating because he also said if I went with option 1 my name would be on legal documents for everyone to see
Over the past several months, I have seen my Credit Score drop almost XXXX points from XXXX to XXXX!! 

After multiple inquiries, I can not get a response that would explain why my score has decreased. There has been NO negative factors that might account for this type of change.. ALL credit cards are PAID in FULL monthly, I have NOT taken on any new debt or opened new Accounts ... 

My wife 's score of XXXX as reported in XXXX has also seen a notable decrease ... 

This is outrageous and I am looking for your assistance in getting to the bottom of the issue ... I have to believe that if that this is happening to my wife and I with OUTSTANDING credentials, there an underlying and systemic problem requiring immediate attention.. 

Please let me know how I can help with this matter.. 

Best Regards, XXXX XXXX
Last Friday, I received an email stating State Bank was merging with Cadence Bank and our online banking was no longer available. I tried to use Cadence Bank 's instructions to access my account without success. I called Cadence Bank on Saturday morning ( per the customer service hours on the website which are not accurate ) and there was no one available to assist me. Monday was a bank holiday. I called the customer service line again on Tuesday. I waited 10 minutes and someone answered ( XXXX, I think ) and said they had IT issues and she would call me back. Nothing. I called several times on Wednesday and no one at customer service ever answered. I've had no access to my account for almost a week and can not pay bills via bill pay ( which are now getting late fees ), have no idea what is being debited from my account, and can not make online deposits. The XXXX XXXX branch tried to help me yesterday and can not and has me on a list of IT issues. I think it is unacceptable for a financial institution to have such disregard for it's customers and cut access to their accounts for this length of time without resolution.
I received a notice from Coast professional that read if you wish to repay this debt voluntarily, you must contact our representative with 15 days of the notice. I did just that and after negotiating a payment plan, I was told it would not avoid wage garnishment. I agreed to the payment quoted and a manager got on the line to advise that i still would be garnished. I 've met both deadlines so I 'm unclear of why the letter is so misleading.
Sallie Mae was the original loan source until they changed their name to XXXX. I called and asked for help repeatedly and I was never offered help until they sold my loan to collections, which we all know is still Sallie Mae, but they charged exorbinant amounts of interest on top of my already 16 % rate. When I graduated they wanted me to make a payment of over a {$1000.00} a month. Not to mention the fact I could not find a job as my school falsely advertised I would making what thwy said I would. I was taken advantage of and did not have the priviledge of informed and involved parents to tell me this school was a bad idea. My original loan was near XXXX which has ballooned to well over XXXX. Not to mention the hundreds of thousands of harrassing phone calls every single day. Even Sunday. No day is sacred. Even after XXXX. I wanted a better future and now I am strapped with a loan I will never be able to pay until the day I die, then it will be erased. Unless I get a loan modification it is utterly hopeless and now my credit is destroyed because of this loan shark.