WillisBack/dataset-financial-user-claim huggingface dataset:
On Wednesday,  XXXX   XXXX , I initiated a wire transfer withdrawal from an online stockbroker in the amount of {$9700.00} for deposit into  XXXX  ( the online crypto-currency exchange owned by Coinbase ). Both  XXXX  and  Coinbase  's websites clearly state that wire deposits will be credited same-day if completed before  XXXX  PST. They also charge a significant fee for this expedited funding method.     It is now Wednesday,  XXXX   XXXX , and the funds have not been credited to my account. In addition, none of my inquiries have been responded to.     I was charged wire transfer fees by both my online stockbroker and  XXXX /Coinbase, missed out on valuable trading profits, and still do n't have my {$9700.00}.
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and NAVIENT with no successful resolution. XXXX, XXXX and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX - XX/XX/2016.
Portfolio Recovery continue to call my work phone and give details about a collection to whom ever answers the phone. 
I asked them to contact via mail only and the call me supervisor risking me my job
I spoke with the company today and inquired about paying off my loan. I have received loans from this company for over two years so I am aware of how expensive they are. On several occasions when I have called to do an early payoff the representative has offered to waive the finance charge for the pay off. I always call prior to the due date of my loan. That was not the case this time. I had taken out a loan for {$800.00}. I have already made one successful payment on time on XX/XX/2018. I spoke to the manager and the rep who informed me that my pay off would be {$980.00} if I pay on the first. The manager stated that they are able to do so if several payments have been made. So basically after they have gotten more than enough money from you they will work with you. If I was able to make a payment today the manager offered me a discount and said my pay off would be {$750.00}. I also tried to inquire what the actual fee was for XXXX. The rep only told me there is an 485 % apr. Which i am aware of but that is not what I was asking. I referenced their website which shows an example for {$300.00} that payback is XXXX. I feel that there practice is criminal. Especially since I was asking for something that they have been able to do before. There are so many people that get these loans and don't pay them back. I am not one of those people.
I had made transfer through XXXX and I made wrong transfer to wrong person. I right after found out I did wrong. I have disputed transaction and bank said they need to check before reversal transaction. As of XX/XX/XXXX, I spoke with person who I transfer wrong. He gave me receipt that his bank was transferred back to my bank. However, until now bank of america which is also my bank did not refund that amount to me. I felt like they dont want to return money and eventhough the another bank had made refund. I look like fishy and they want to steal my money
This Collection agency is at it again. I had previously submitted a complaint on XXXX XXXX XXXX. Which resulted in my favor. Quick refresher in XXXX XXXX I went to the hospital. 
The hospital made a mistake in the billing. They billed my insurance but did n't reflect it in their system. My insurance sent them a check, it was never cashed. I kept gettign bills for the full amount. 
Hospital would not talk to the insurance company to resolve this. Insurance company policy needed the hospital to talk to them to resolve the issue. I get caught up in life and forget the situation. 
The bill goes to collections. XXXX XXXX I get the first phone call. I express doubt about the whole thing. Right there is the first mistake of this agency. I never got anything in writing about the debt five days after that call. 
I go through my records and check my insurance claims see the amount that was told to me and the cut check. Call the agency back within the hour of the first call. I explain the situation. 
I do not owe the full amount this is why. The man on the agency end gets flustered and says he has to talk to the hospital. About a week later he calls me back and says the hospital has no idea and tries to get me to pay. 
I reply I 'm going to call my insurance company. I call and find out the check was never cashed. I call the agency back give him that information. 
He then asks to speak to my insurance company, I agree and give him my member id and the XXXX number. I never hear from them again. 
Now the day before I placed my first complaint. They put negative accounts on my credit report with XXXX and XXXX. After that complaint they were removed and I got my first letter from them stating said items were removed. On XXXX XXXX the new check from my insurance company was cashed by the hospital and a new bill was sent to me. On XXXX XXXX this collection agency yet again put a false amount without noting to transunion that the account is in dispute on my report.
These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/XXXX
Wells Fargo is not working with me at all! I have filed charges before and all they do is send me copies of past modified they have done! they have tried to sale my house from under me! Saying they sent letters to me which was untrue! I have showed extra income needed and they still wo n't help! This has been going on with a very large past due owed on my little house and the appraisal is n't for a legal duplex all! Someone wants my house badly enough I will do whatever it takes to save my house! These banks take advantage of people and it 's not fair! Help me please! XXXX XXXX
When I moved out of my previous apartment, I was under the impression that all debts were settled. I never paid a late rent and we left the property in awesome shape. Now I received a bill for XXXX and I do n't even know what it 's for. It is now in collection with a company called I.Q. Data International, Inc. I have received 7 calls today XXXX/XXXX/16 and 2 of the calls were after XXXX XXXX. I am getting really frustrated and it 's borderline harassment. The account rep 's name is XXXX XXXX and their number is XXXX. Please help.
I filed for Bankruptcy on XXXX XXXX, 2009 but changed my mind and it was dismissed on XXXX XXXX, 2009 by the courts. Equifax is the only credit reporting agency that will not remove this from my file even though it was never processed and the court sent them the Dismissal order. They intend to leave this on my report which lowers my scores for 10 years as if a Bankruptcy took place. According to the courts the dismissal order should have eliminated that. I tried speaking with a representative at Equifax to find out why they wo n't remove it and she kept saying the court sent it. I 'm trying to get my credit back on track but this is a major setback. Is there anything else I can do to get this off of my report?
Ever since XXXX had a breach of their system they started reporting information on my account that is not true or not appropriate with my business of " XXXX XXXX ''. 

I have no delinquent accounts. 

More important is the report of excessive inquiries for credit. My business requires me to purchase supplies and residential properties, therefore it is only prudent to open accounts with vendors that offer zero interest for 6 months when purchasing several thousand dollars worth of supplies. " Balance to Ratio of Credit limit on revolving accounts '' This is only short term account until the remodel is completed and then paid off with the sale of the property. Also, when " XXXX XXXX '' looking for the best interest rate when purchasing properties is prudent and " Excessive Inquiries in the last 12 months '' is not appropriate. I thought " Like '' inquiries only counted as one inquiry such as purchasing a car, when looking you may go to several dealers to get the best price and each will apply for credit. That should not count as several inquiries.
This complaint is regarding the student loan XXXX   XXXX After sending dispute letters to Transunion and XXXX , it came back verified, I was extremely dismayed. The verification process must be flawed! How is it possible that they were able to verify the accounts when they can't even send me as to how they did their investigation? I have contacted the creditors asking them to validate but they did not prove documentation or response. CFPB please amp up and remove the accounts, I promise they have nothing to do with me
I revelry opened an account with TD bank and once opened was told to fund the account. I did so and now TD bank is telling me that I will not have access to the funds until I can come to a branch. This is holding my funds hostage and causing a major problem with regards to accessing my money. I requested they override and put the money bank into my account and they have denied access to my funds.
A mortgage lending company pulled my credit on XX/XX/2018. I reviewed my credit report and found several errors and several accounts that do not belong to me. On XX/XX/2018 I submitted a credit dispute to XXXX XXXX, XXXX. In the credit dispute, I described the errors with my credit report and asked the credit bureau ( XXXX ) to remove the accounts from my file. On XX/XX/2018 I received a reply from XXXX  stating they received a certification that the information is accurate. But they have not provided me with any documentation or other evidence to support their claim.
Never made deposit available. Claims check was returned. My XXXX XXXX report shows no negative reports. No checks reported as returned
As stated by the FDCPA ( A debt collector may not contact you at inconvenient times or places, such as before XXXX in the morning or after XXXX at night, unless you agree to it. And collectors may not contact you at work if they 're told ( orally or in writing ) that you 're not allowed to get calls there. ) This morning, XXXX/XXXX/2015, I received XXXX phone calls prior to XXXX from Gateway One Lending XXXX XXXX at XXXX, XXXX, XXXX and XXXX, evidenced by phone records and screen shots of my call log taken on my cell phone. I also received an email from XXXX XXXX at XXXX.
I received a notice of an escrow shortage of {$350.00} based on review in XX/XX/XXXX. This shortage would only happen if taxes of {$4000.00} were paid in XX/XX/XXXX, rather than in XX/XX/XXXX ( the due date for the taxes is XX/XX/18 ). If Wells Fargo allows my XX/XX/XXXX escrow payment to arrive in my account prior to paying taxes, there will no longer be a shortfall. I spoke with several Wells Fargo reps on XX/XX/18. At first, they tried to argue with me about the due date ( the website for XXXX County clearly shows the due date for taxes is XX/XX/18 ). Then there was a subtle threat that if Wells Fargo waited until XX/XX/XXXX to pay the taxes, they might not get there on time and I would be charged a penalty. I expressed my full confidence that Wells Fargo is capable of getting a tax payment to the county on time between XX/XX/18 and the required postmark date of XX/XX/18. Finally my inquiry was forwarded to corporate. I received a letter dated XX/XX/18 from XXXX XXXX stating that the tax payment for the property would not be made until XX/XX/XXXX, but did not mention adjusting my PITI mortgage payment to no longer collect the shortfall. My XX/XX/XXXX statement is billing me for a total to include a payment toward the shortfall. I called again on XX/XX/18 to request that the payment be adjusted to not collect to cover the now non-existent shortfall. I did not hear back from Wells Fargo by the time of the promised resolution date of XX/XX/18. I called on XX/XX/18 and was informed that I had been sent a letter denying my request to have the payment amount adjusted, but that I can later request a refund. The representative stated that this is because another escrow analysis is not scheduled to be performed immediately. I am asking that Wells Fargo perform the escrow analysis and adjust my payment due to lower it by the amount being charged to cover the now non-existent projected shortfall.
I check my account before and after every purchase using their mobile banking app, to ensure i do not incur any NSF or overdraft fee. I do this because i live on a budget and try not to incur extra fees. But i keep getting hit with fees. and when i check my account to see what the fee was assessed for, my account reflects debits to my account that does not show up until the fee is assessed. 

On XX/XX/XXXX, I checked my account. The app showed me an available balance of about {$91.00}. On XX/XX/XXXX, my available balance is about {$36.00}. A difference of about {$52.00}. I don't see any new transactions. Its a joint account so i wait a day for the charges to show up on the app.. Meanwhile I send for and XXXX deducting a total of {$24.00} for the available balance of {$36.00} leaving mt roughly about {$12.00}. On XX/XX/XXXX more debits show up, not equaling the total difference but my available balance stated {$9.00}. I use my card and spend $ ( which should leave me a balance of XXXX cents. On XX/XX/XXXX, I check my account at # XXXX XXXX, I review my transactions, checking to see the amount of my payroll despots so that i may pay my tithes at church. I pay my tithes of {$75.00} dollars at about XXXX XXXX. Later that morning my husband make a few purchases, i check his purchased against the account like i always do. The amount of his receipts match the amount of the debit on my account for his purchases. I check my account again at about XXXX XXXX because i have a debit scheduled to come through the next day, and see that I am hit with an NSF fee for {$34.00}. I check my account and it now shows a debit against my account for {$73.00} on XX/XX/XXXX, with the NSF fee assessed on XX/XX/XXXX. Now their systems has been updated to show the debit on XX/XX/XXXX, when I check my account everyday and it didnt show up on my end until after XXXX XXXX on the XXXX. Then it was backdated to XX/XX/XXXX. 

This is a regular occurrence.
XXXX Credit Reporting Agency, un like the other 2 is misrepresenting my credit profile with information that goes against the language that's governed by the FCRA, language inwhich assures an consumer that if the account is not verified with hard copies of such verification then the account shall be removed. Not only has it be 30 days its be more like 120 days but yet XXXX  is still reporting false information inwhich I'm demanding be deleted from my current credit report.
On XX/XX/XXXX and XX/XX/XXXX I sent letters to Convergent Outsourcing asking that they validate not verify the debt that they are attempting to collect from me and derogatorily reporting on my credit reports. I specifically requested signed contracts or other supporting documentation. Once they did not respond at all. The seccond time, they provided me with billing statements which does not prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking be deleted.
Re : XXXX XXXX XXXX, LVNV Funding LLC . 
Amt : {$710.00} Reason : Unable to verify charges, identify location of debt, pay debt with reasonable effort. 

I am disputing the charges for this account, as I am unable to reach anyone to question or resolve this collection account. Without reasonable explanation or proof that this debt is correct, I should not be held responsible for this. I am not sure that this is an account that I opened. I am currently paying off all outstanding debts which were accrued while unemployed. 
My credit report shows XXXX XXXX XXXX as a negative account, with a total of XXXX for the charges. I did open an account with them, however, the credit limit was {$400.00}. I tried contacting the phone number listed by XXXX, which is XXXX, to resolve this issue. I spoke with XXXX at XXXX XXXX XXXX, which informed me that she would transfer the call to XXXX to resolve the account. She did not have any information for me. 
Over the past several weeks, I have tried contacting XXXX, only to be placed on hold for several minutes by an automated machine, which would finally disconnect the call. I have not been able to speak with a live representative what so ever. 
I tried to take this further by contacting XXXX XXXX XXXX collections department at XXXX, but without an account number, I can not speak with anyone. I 've sent letters to XXXX XXXX XXXX with no response. 
XXXX listed a company by the title LVNV Funding LLC as the collection agency. When I tried contacting this company, they proceeded to tell me that I owe money for XXXX accounts, XXXX of which is a fraud account created in 2005. I do not believe that this company is creditable. As a result, I believe that this is a fraud account and should not be responsible for this. 
I am asking that this account be removed from my credit report as I can not reach or resolve this issue with reasonable effort.
AARGON AGENCY INC XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam, This letter is in reference to SOME BILL XXXX $ XXXX XXXX, NO ACOUNT NUMBER NO INFO JUST A COLLECTION AGENCY for services provided to NO NAMED PERSON on XX/XX/XXXX In regard to the bill on this account in the amount of ( {$760.00} ) Please be advised this is not a refusal to pay, but a notice your claims are being disputed. 

Under the Fair Debt Collections Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and proof that there is some contractual obligation which is binding on me to pay this debt. 

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and or authorization under subtitle D of the ARRA, SEC 13401. APPLICATION OF SECURITY PROVISIONS AND PENALITIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. 

The term " breach of security means, with respect to unsecured PHR identifiable health information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the omnibus final rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information. Technology for Economic and Clinical Health Act of XX/XX/XXXX ( HITECH ACT ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account and a copy of any HIPPA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collections activities, including reporting of or verifying of this account on my credit reports. 

In the event of non -compliance, I reserve the right to file charges with the OCR on your HIPPA violations and appropriate County, State and Federal Authorities. I require compliance, I reserve the right to file charges and/or complaints with the OCR on your HIPPA violations and appropriate associations for violations and appropriate County, State & Federal authorities for violations of the FDCPA, FCRA and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of California medical privacy rules. 

I also hereby reserve my right to take private civil action against you to recover damages. 

Sincerely, XXXX XXXX XXXX
I was a victim of a fraud where my Chase online banking information was hacked and someone tried to XXXX their account. The hacker first sent {$550.00} to a recipient on my list which went through and then tried to send {$250.00} to their own account which was flagged by Chase since I do not have a history with that person. My account was restricted and I was forced to go into a branch and was advised that I needed to open a new checking account and have all the funds transferred over. The funds transferred to my newly opened account was correct except it was missing the {$550.00} which was still in that recipient 's account. I reach out to them and they confirmed that the money was in their account but Chase had froze his account as well and he was not able to access that money to refund it back to me. We both called in on a 3 way call to open a claim and they later transferred us to a different department who told the recipient that Chase is ending their relationship with him and he could no longer have an account. The same thing happened to my account moments later and we were both told that we would no longer be allowed to bank with Chase Bank and they are closing our accounts. They later told us that the account would close in 10 business days and up to another 7 business days to get our funds back in the mail. Completely unacceptable given the circumstances, I was a victim of a fraudulent activity and Chase has literally gone above and beyond to make this experience worse for me and even as far as to close out the account of the recipient who has nothing to do with this and has even offered to refund me the money!!! Now we both have to wait 17 business days to receive our funds back and can no longer bank at Chase that I actually used to work for. Unacceptable behavior as a bank and company ...
I opened a card with Capital One in XX/XX/2018. Everything was fine until I tried to make my first payment. I added my payment information as usual and everything was correct at that time. About 6 days later, the payment was charged back to my account and I got an email saying that the account with [ not my bank ] was no longer able to be associated with the card. 

Then I got a letter from the fraud department that they thought my card was opened by an identity thief, so I called them. They informed me that they would need to verify my ownership of an account that ISN'T MINE that I told them isn't mine. They refused to unlock the card until I could prove such ownership. 

Left with no other option, because obviously I can't prove ownership of an account that isn't mine, I closed the account. Ironically, they let me close the account without proof of ownership.
In the fall of  XXXX , my wife received pre-authorization for a medical procedure from her medical group,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   (   XXXX   ).  The procedure was performed by a subsidiary of  XXXX   XXXX  on  XXXX   XXXX ,  XXXX . THIS WAS A FULLY COVERED PROCEDURE, but we received a bill for the full amount, {$1300.00}.      XXXX  claims the payment was made ;  XXXX   XXXX  claims it was not. Our insurance provider,  XXXX   XXXX  of California has been unable or unwilling to resolve the dispute, despite my wife 's repeated calls over the course of a year and a half -- including three-way conference calls.     On  XXXX   XXXX ,  XXXX , with the bill still unpaid, my wife filed a letter of grievance with  XXXX   XXXX . Again, this produced no conclusive action. The bill has now been sent to a collection agency, who has added interest to the original balance. It bears repeating that this was a FULLY COVERED, PRE-AUTHORIZED PROCEDURE.     This is NOT a small matter of a book-keeping error. It is my firm belief that  XXXX  or  XXXX   XXXX  or  XXXX   XXXX  or perhaps all three are engaged in MEDICAL INSURANCE FRAUD.