WillisBack/dataset-financial-user-claim huggingface dataset:
{$200.00} Medical debt for XXXX XXXX on a XXXX. Doctor was coverage by the insurance. The lab I found was not covered being out of network. The insurance company said they would pay for usual and customary amount to the uncover lab. The lab would not take this wanted full amount. The lab said they would work it out with the insurance company for a dollar amount. The insurance company wanted to pay a partial but the lab would not take it. I contact the lab said only full retail amount would be acceptable but would contact the insurance company again to ask for full payment. Instead they sent the {$200.00} Debt to SCA collections. I explained the mix up to SCA. They would not listen. Placed debt into credit collection on my credit reports. I have over 10k in my HSA account. The money was not the issue but the amount and billing from LAB and Insurance. This should have never gone to collections. I filled a dispute with the three collection agency 's. The letter stated the information above. Two of them removed it. XXXX would not. They stated it must come from SCA collections I called them again. Asked for to remove it.They WOULD NOT remove it AGAIN. I know I spent more than {$200.00} worth of the various company 's time to trying to remove it. I paid the {$200.00} in XX/XX/XXXX. XXXX shows it closed in XX/XX/XXXX. Again This is wrong. This is holding up my new home 's  mortgage rate reduction. I have NEVER missed a payment. This all over a {$200.00}. If you need car repairs you get en estimate, If you need a service Painting etc.. You get estimate. Only in medical none emergency you can't ask for a estimate and review before you get the service. Something as to change! They can charge and use any medical supplier they chose. There is NO checks and balances.
a representive from sallie mae named XXXX called both my wife and mother about a loan and informed him who he was and what he was calling for from number XXXX ext XXXX his ID # was XXXX. he left messages that he was calling about collecting a debt on the loan. my concern is that niether of them were associated in any way with the loan because I was only a cosigner for my daughter 's student loan.
Have told portfolio more than 5 times to stop calling me and only contact me via postal mail. They keep calling from different ph # s and call almost daily, sometimes more than once per day. Ph # s using : XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, including 8 additional ph # s. My phone only goes back to XX/XX/XXXX but since thatdate, they called : XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX,XX/XX/XXXX, XXXX, XXXX XXXX, XXXX. I spoke to them onXX/XX/XXXX,XX/XX/XXXX, XXXX, XXXX  & XXXX  stating to stop calling me as this is harrassment and again requested all communication to be through postal mail only.
I have recently been informed that there is negative information reported by CITIBANK, CALIFORNIA in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I see an entry from this bank listing an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' on XXXX/XXXX/2015 ''. 
I am unaware of ever having an " ACCOUNT ABUSE - CHARGE-OFF amount of {$1100.00} '' from this bank. I have several accounts including credit card accounts with CITIBANK that are in good standing and I 've banked with them over XXXX years.
On XXXX XXXX, 2016 I received a phone call stating that I received an {$8000.00} grant and in order to get the grant I had to give the account and routing number for my bank. The further instructions were to go to an ATM and pull out {$300.00}, then XXXX XXXX the money to an address in XXXX. After I withdrew the money from the ATM, someone went into a Navy Federal and deposited {$15.00} into the account and then withdrew {$770.00} from the checking account. Three hours after the withdrawal from the ATM, I told a friend about the grant and she told me to check my account because it sounded like a scam. When I checked the account, I saw the unauthorized debit of {$770.00}. I immediately notified Navy Federal Credit Union and informed them of the fraudulent activity. They recommended that I close the account, which I did. I asked about getting the money refunded, they said there was nothing they could do since I gave the perpetrators the account number and routing number.
XXXX is reporting that I have XXXX outstanding debts with their company, on my credit report. They are reporting XXXX separate debts of {$1700.00}, {$520.00}, and {$480.00} respectively. I am unaware of any of these. I have contacted XXXX numerous times requesting a verification of these debts, but the will not give me any information about the origin of these debts they are reporting. They just ask me to pay them, even though I do n't know what they are.
I made a complaint on XX/XX/2018 with consumerfinance.gov to wells fargo and they said they would remove this off my report 30-60 days and its been over 90 and they have not followed through with what they said they would do. I never had a contract or gave these people consent to anything with my information. I need these hard inquiries removed ASAP from my credit report!
Several thousand dollars were withdrawn from my personal savings account without my authorization approximately {$11000.00} in 2010. I have tried several years try to settle this account to no avail. XXXX XXXX of the XXXX location here in Texas involved himself stating lies to Wells Fargo to justify this deception.
I have a mortgage with XXXX XXXX. I was making payments through the XXXX XXXX ( XXXX ) XXXX run by XXXX. Their customer service center number is XXXX. I called them on 6XX/XX/XXXX to close my account. They had already collected my XX/XX/XXXX mortgage payment in the amount of {$1500.00}. They told me upon closing my account, they would forward my last mortgage payment to XXXX. For the next week, I checked my XXXX account daily and the payment never posted. I paid the mortgage from my savings account as to not miss the XX/XX/XXXX deadline for the XXXX payment. Since XX/XX/XXXX, I have constantly called the XXXX XXXX XXXX and asked them to refund my money. They continually tell me one of three things : 1 ) the money is being sent to my mortgage company, 2 ) the money is going to be send back to my checking account and should post in two days, 3 ) the money is being overnighted to me in a check to my home. I still do not have my money and now over 4 weeks have passed since I closed my account. Please help me get my money back.
I am going thru a divorce and my estranged husband is supposed to make the house payments until I take over XXXX XXXX, per our agreement. He is not making the payments on time, therefore, creating several dollars in late fees. I am receiving phone calls every day, every two hours, several times on weekends. I have explained the situation, going thru divorce so on and so forth. This is very stressful for me and it has got to stop! I understand the payments need to be made, but per the order he is to pay the payment.
I WAS TAKEN ADVANTAGE OF BY WINTERWOOD MORTGAGE IN INDIANA, HE TOLD ME TO LIE ON MY PAPERWORK, HE CHECKED MY CREDIT ABOUT 5-10 TIMES WITHOUT ASKING ME, MADE ME SIGN THE SAME DOCUMENT ABOUT 5 TIMES ( Mortgage Application Document ). WHEN HE ORIGINALLY CHECKED MY CREDIT, INSTEAD OF TELLING ME ALL OF THE STEPS HE WAS GOING TO HAVE ME TAKE HE JUST TOLE ME I NEEDED TO DO ONE THING, THEN ANOTHER, THEN ANOTHER, THEN ANOTHER, IT WAS SO EMOTIONALLY EXHAUSTING AND I HAVE BEEN WITHOUT A HOUSE/APARTMENT OF MY OWN SINCE XX/XX/XXXX OF 2016. HE ALSO MADE ME CALL A LOT OF PLACES FOR THE SAME THING MULTIPLE TIMES, IT WAS THE WORST EXPERIENCE AND LET DOWN OF MY LIFE. I AM ALMOST XXXX AND I HAVE NOTHING TO SHOW FOR IT, I THOUGHT THIS WAS GOING TO BE THE NEXT CHAPTER OF MY LIFE BUT NOW I AM SET BACK NOT ONLY FINANCIALLY BUT EMOTIONALLY, I AM BEHIND ON {$6000.00} THAT THEY WILL NOT GIVE BACK TO ME.
I pulled my credit report and saw a collection account from Midwestern Recovery for a payday loan debt totaling {$720.00} from XXXX XXXX. I contacted XXXX XXXX XXXX Contact Center who advised I do not have an account from XXXX 2010. I have never received a validation of this debt. It just showed up on my credit report.
On XX/XX/XXXX I called XXXX XXXX XXXX to make a payment on my car. I advised the representative, that I have been out of the country and I have tried to pay online several times, but the system was not allowing me. I am now 31 days past due ( Back home in the US ) She looked in to it and found out the reason the online portal was not allowing me to make a payments was because of an invalid address. I have mentioned to Carmax in the past that I am in the process of moving, that currently I did n't have an address. She insisted that I can not make any payment until I update. I gave her my parents address. Representative also mentioned that Co- Borrower Keep on returning mail to Carmax . I advised them in the past about this issue. Co- Borrower lives in a XXXX/old people home. He does not receive mail there so that is the reason why Carmax is getting " return to sender '' mails.

I feel like I should not be penalized for not making the payment since the online portal did not have a clear message to why I could not make a payment.

Carmax is now reporting me late, but this was because of them. I tried to make a payment several times. I was out of the country I could not make a phone call, online was the onlyway I could make a payment. Carmax should not have that feature if not available at all times. 

This is the first time my account went to 30 days past due. I am almost finished paying this car off.
I came across promotional banner on Citibank website for opening a checking account and a {$400.00} bonus with a qualifying deposit. I decided to apply online using promo code XXXX provided at the start of the application process. Few days later, I reached out to Citibank customer service through online chat. The online agent confirmed my account was opened under the promotional code XXXX. He also confirmed the qualifying terms to receive the {$400.00} bonus : deposit a total of {$1500.00} within 30-calendar days and maintained the {$15000.00} minimum balance for 30-calendar days. Based on the promotional terms, I have met the required {$15000.00} balance within 16-days and have maintained at least {$15000.00} for 58-consecutive days. The {$400.00} bonus should have been deposited to my account by XX/XX/2017. I reached out to Citibank on XX/XX/2017, inquiring about the bonus. The online chat agent verified that I have met all qualifications for the {$400.00} bonus. But then she told me I failed to enroll in the promotion offer. I told her that she was mistaken as the promotional term states we simply need to open a checking account to participate in the offer. the only disqualifying criteria is for an existing Citibank account holders. She was not able to show me the verbiage in the offer, or proof to support her argument. At the end, she submitted my case and Citibank would respond within 5-7 days. Citibank has not gotten back to me and despite it their 90-days promise, I have yet to receive the bonus. This is the first financial service company I have ever had issues with, and I have been very lenient with the timeline. I 've completed their requirements, and I wanted them to honor their promise. Do what they 've promised ... .and do what they should 've done 44-days ago which is to deposit {$400.00} to my account.
The lender did not credit my account principal with any portion of the payments that were made. I found this to be very strange. I continued to make payments and my principal balance went unchanged each time. The principle balance was never credited, not XXXX cent. I began to do research and learned that XXXX offers payday loans that are n't enforceable in the state of Connecticut. This type of loan is illegal in the state of CT and Alliant Capital Management is attempting to collect on a prohibited high interest installment loan.
I am enrolled XXXX in college I filed for a XXXX student deferment. When enrolled in classes the ECMC place my loan in default. They now have harass letters and refuse remove loan default status. The ECMC verified I am enrolled XXXX and still harassing me.
I asked a loans officer who had previously help me obtain a previous mortgage what thee estimated cost would be for a new mortgage for a new home I wanted to look. I wanted to get ahead of the curve by knowing what my estimated closing cost were and the rate based on current 30 year fixed rates. However, the loan officer took it upon herself to pull my previous file and run my credit with out my permission. It came as a shock when she sent me the credit report. The officers name is XXXX XXXX from XXXX XXXX XXXX. NMLS # XXXX XXXX # XXXX
XXXX XXXX left a lengthy message about an acquaintance asking us to have them call back re : a debt owed. They shared enough info in a phone message that we knew it was a collections call. XXXX XXXX has never used our phone or lived with us- is not a relative. XXXX violated collection laws by sharing this information in a phone message. XXXX @ XXXX XXXX XXXX ext XXXX
I pay the collection agency what i owe them and they refused to remove it from my credit report. They are not the only one that have rights, If a consumer pay their dept than a should be removed and not stay have collection on the report. What give the creditors the right to control someone life and future for seven years? I have disputed with all three credit bureaus but only XXXX and XXXX are a bit cooperative, XXXX only listen to what ever the creditors says and the consumers can never win with them. 

1. XX/XX/XXXX amount {$460.00} 2. XX/XX/XXXX amount {$400.00}
XX/XX/2015, a fraudulent charge was added to my credit one account. I disputed the charge and it was removed. I then paid off and closed the account. A few weeks later more charges were added, including interest ( On a closed account? XXXX ), and a month later, the original fraudulent charge. I called them multiple times asking them to take care of it, they never did. One time they told me i reauthorized the charge, I asked for proof, they never sent any. I 've written formal dispute letters, they never responded. Of course i didnt pay this bogus charge, and as a result, they sold my account to a collections agency, LVNV? I called then today, and boy were they nasty. They claimed i made a payment on XX/XX/<YYYY> for the amount of the balance which is bogus. If I made a payment for the balance then why would there still be a balance? That does n't make any sense, theyre just trying to make the debt look valid. They said they would send a form to XXXX, to validate the debt. But I 'm tired of all this. I 've tried so many times and they do n't do anything. I want proof, I reauthorized the fraudulent charge. Not just XXXX word for it. I want an audio log of me reauthorizing said charge.
NAR INC, has been informed there is a pending police investigation for my second police report filed with XXXX  here in XXXX XXXX XXXX Utah. However, knowing this knowledge they have received an affidavit with this information including a police report detailing my house had been broken into which my personal information and cards were compromised, I informed NAR, INC. again several times over the phone the XXXX police detective told me to file the police report after all credit cards and bank accounts involved had finished their fraud investigation to file one full police report and then submit it to the XXXX police department. NAR, INC regardless of knowing this information are now attempting to serve papers anyways for litigation for a debt that was a result of identity theft and fraud. These legal action are prohibited under the FCRA and FDCPA considering the account they are seeking attempt to collect on was involved in identity theft, scam, and fraud. The bank which they claim the debt from XXXX failed to do a proper legal Fraud investigation, they assumed I gave out my information and took no step to do a fraud investigation. I informed the police department that the bank XXXX didn't do a fraud investigation and they informed me to continue the procedures of waiting out for all credit cards and bank accounts to complete their fraud investigation still. NAR, INC is willingly in violation of my FRAUD VICTIM Bill of RIGHTS and pursing the debt anyways. I am seeking the CFPB to get involved in this matter again. I am currently waiting on the completion of three fraud from XXXX, XXXX, and XXXX investigation to be completed to file the full police report for the XXXX police department.
On XX/XX/XXXX Portfolio signed a certified letter with return of my dispute that I sent to them. I checked my credit profile on XX/XX/XXXX and Portfolio FAILED to mark my account " DISPUTED ' which is REQUIRED by the Fair Credit Reporting Act and the Fair Debt Collection Reporting Act. Nor have they sent me any proof that I owe this alleged debt.
I have been paying my student loan for years now and it has not changed in balance. This is the amount they asked me to pay. 
Why is this happening?
I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received.
I originally got a {$16000.00} from XXXX XXXX and over the past 10 years I paid back {$39000.00}. My loan was turned over to Navient and they are telling me I still owe {$19000.00}. They have hurt my credit and my co-signers credit. I hired a lawyer and they refused to talk with him and they continue to harass me and my co-signer. I do n't think they have been honest about all the payments and interest I have paid.
This is my second complaint against MDS. The most important of my complaints is that this company failed to provide a signed HIPAA Business Associate agreement between the original creditor and their authorized rep which means that they are clearly in violation of the HIPAA Privacy and Security Rules. I requested this document in my previous complaint through CFPB as well as in my second letter sent directly to MDS. Secondly they placed this unverified debt on my credit reports without making any efforts to contact me. I was only made aware of the debt when I took the liberty to check my reports. This companys collection and communication practices are evasive and deceptive and I would like for this company to please remove this negative account.
Wells Fargo had withdrawn all of my personal accounts without my concent. They took over XXXX just in my personal account funds.
I was notified by a creditor that my personal information was being used to change/ charge on my credit accounts. Upon reporting and freezing account with credit bureaus, I found that I had been solicited by a " credit repair '' law firm in the form of them running my credit report. 

In addition to this law firm running my credit report, at the same time my identity theft was being committed, I have been receiving credit and loan offers in the mail. I believe that in my research for a personal loan/debt consolidation when I visited XXXX, my personal information was SENT directly to an unsecured site, where misc companies could view and solicit. At the same time, My personal information was stolen. IDENTITY THEFT. 

I decided NOT to pursue a loan, and I did NOT need credit services or credit repair and I thought I had deleted information on the XXXX site that I landed on. I certainly DID NOT agree to a credit check or any further solicitation from any lenders or credit services. 

THE ISSUE IS : Whatever unsecured site ( s ) these lenders, credit repair companies, etc got my personal information from, is also where the information was unsecured for IDENTITY THEFT to occur. I would like to investigate where they got my personal information from and this may lead to the person/persons who used my information in IDENTITY THEFT. 

The Company that ran a credit check ( 3 times ) without authorization : Lexington Law PGX/LEXINGTON/LAW XXXX XXXX, UT XXXX XXXX Loan Solicitation By mail : RPM Lenders
Ive been trying for the past year to work with this company to remove this inaccurate item off my credit. They removed one account which was acknowledged that both accounts were fraud. Ive sent all documents in to prove that these items were fraudulent. This company sent notice back in XX/XX/XXXX of last year stating that they were removing both accounts from my credit and theyve yet to do so. Ive been speaking with someone by the name of XXXX hes very nonchalant, unprofessional and uncaring about the whole situation. This is causing great stress and Ive been seeing my doctor more frequently because this is causing my XXXX XXXX to go up putting me in a state of mind that Ill never be able to move forward with my home buying process because this item is holding me back. Ive spoken to an Attorney ( XXXX XXXX ) about moving forward with filing an lawsuit where Ill be seeking damages, and pain and suffering. This is my 8th CFPB complaint against this company and Ill continue to file more until this issue gets resolved.
cfpb : recently moved to Hawaii and was told by XXXX that payment was past due, however when receiving bill from past due purchase, after paying for purchase, there was no indication where purchase was made?
To Whom It May Concern : I started paying extra on the loan on XX/XX/2018. Then I notice the payment amount going down and the due date getting further away. On the first occasion I spoke to the company, Nissan motor acceptance corp, the rep told me that my extra payments were being applied correctly and that if I payed extra it went to the principle. I asked why does my payment amount change and the due date get further away. He gave me an unsatisfactory explanation about some customers like that so if they need to pay latter or pay less they can. I told him I didn't want this, I didn't ask for this and I wanted my bill to go back according the loan contract. It did not, as you can see in the attached documents, the payment keeps getting less and the due date further away. 

In my opinion, they are doing this to trick people into paying less so they can earn more interest. This should not be allowed, I have a loan contract and they should be bound to follow it. 

I called again and told them I wanted to see how my payments were being applied, and they sent my an amortization schedule instead. And as you can see, it is the same payment amount and the same due date every month. This made me more suspicious that they were hiding something. 

So I called back and made sure the rep this time understood that I want to see how my payments were being applied and the interest paid, the accounting in other words. When I got that, as you can see, the interest payments go up and down. It should be going down continuously not up and down like this. I feel Nissan is not applying my extra payments correctly, not applying the payment consistently on the same date, and they are not following there own amortization schedule. 
I need someone to look at this that knows how this should be, it just doesn't look right to me. 

Thanks for the help. 
Sincerely, XXXX XXXX
XXXX XXXX states i have a refund from amer exp, i dont know how to reach them, also have a problem resetting my p/w on this system. So if you can usos all mail that way.