WillisBack/dataset-financial-user-claim huggingface dataset:
My insurance is XXXX. They have a doctor on my credit report which was a referer from the military. 
You can not just go to a doctor they put in the wrong code at the doctors office. I have contact them for this matter. However it is now on my credit report as unpaid.
On XX/XX/XXXX, I had an open balance with my XXXX XXXX credit card which is a Synchrony Bank account. I paid off that balance and had {$0.00} amount on the card. However, last week when I went to use the card because of deals that were advertised to me I was told that my card did not work and was declined, which was extremely embarrassing. I called the Sychrony contact # and explained the situation and they confirmed that my account had been closed automatically but for reasons that did not make any sense. I explained to them that nothing had changed since I first enrolled for the card but the person I spoke with said she could not do anything but would open a case and a letter would be mailed to me. 

2 days ago, XX/XX/XXXX, I received this letter stating the reasons why my account was closed was from a credit report from XX/XX/XXXX from XXXX. This was the first time I was told my account was closed, the letter is dated XX/XX/XXXX and was sent from Florida. Not sure why I was not notified or warned sooner. 

I contacted a person today about this so called " case '' and they said there wasn't anything that they could do once the account was closed all I could do is go to XXXX and dispute the closed card on my credit report. I believe they did not take proper steps in closing my account and that my account was wrongfully closed. My credit score has taken a plunge and I don't know what to do next.
I received two messages from XXXX, whom called from a local number XXXX on XXXX and XXXX in her message she Indicating I needed to call her immediately before she proceeds with legal action against my name and social security number, she did not leave the name of her company however asked to call XXXX ext XXXX. 

I did call the number and a gentleman explained that they are collecting a debt on behalf of their client in the amount of XXXX. He would not provide the company name or any other information. He did agree to send a debt validation letter. What is concerning is the address for the letter is to a XXXX and the current creditor is from a company I have had no contact with either by phone or mail. I XXXX the phone number and found numerous complaints on XXXX and XXXX.
Experian is reporting monthly data that includes a delinquency/charge off for XX/XX/2008 for XXXX. That is beyond the 7 yr reporting time.
I have been contacted by various agencies to collect a debt for XXXX Bank. I found out it was XXXX. I have two years of certified reciepts trying to get debt validation.I was contacted recently by a law firm XXXX XXXX XXXX. They represented to me they were acting on behalf of XXXX Bank. They were dishonest. They were acting on behalf of a debt buyer- Second Round LP. I contacted the CEO XXXX XXXX of XXXX Bank and filed a recent complain with the State of New Jersey. After I told XXXX XXXX I was doing this he sent me verification he did not represent XXXX Bank but a debt buyer. All of his communication say XXXX Bank. He disclosed via mail on XXXX that Second Round LP bought XXXX accounts ( charge offs ) for {$18000.00} or {$2.00} per account. He was representing a debt buyer not XXXX Bank. I further contacted Second Round LP on XXXX/XXXX/15 and they would not give me any information except to tell me that a XXXX in Georgia had the debt and I had to contact them. I am very uncomfortable with the deceptive practices of Second round LP, XXXX XXXX XXXX and XXXX XXXX XXXX law form. They were acting as if they were representing a bank when the bank had charged the account off an they were debt buyers. I have gone above a reasonable expectation to get debt validation. I am in contact with XXXX Bank at this moment but very concerned about what I believe is misrepresentation and scare tactics, bullying by the above companies.I have a long paper trail to support my statements. I noticed that Second Round LP placed a deragotory item on my XXXX report in XX/XX/2015.The attorney named above XXXX XXXX XXXX XXXX XXXX sent me an email stating that was untrue. I have since given him a copy and asked it be removed immediately. I have a copy of this as well.
A collection was added on my credit report from XXXX XXXX XXXX for a payday loan in the amount of {$820.00} from XX/XX/2013 that I did not borrow causing my credit score to go down. I dispute this with XXXX XXXX & XXXX but it is still on my credit report. I tried calling the company, it rings twice and then nothing, dead air.
On XX/XX/XXXX I called Citi to let them know while traveling my card had been compromised. There was a charge for {$38.00} and another charge for {$4.00} and some change. I filed a disputed and was told I should receive my credits in 2 business days. Today is XX/XX/XXXX and when I called the representatives are trying to say I need to wait until AFTER the investigation. No, I dont. That is a debit account, thats MY money. I shouldnt have to wait until the investigation is over to get my credits. I find it odd that I have to wait until AFTER the investigation to get my money back when one of fraud Transactions was already returned.
This collection agency has been harassing me for months. I have asked them on more than XXXX occasion to validate this date. They have sent my letters of validation back to me twice. I have asked the credit agencies to look into this and dispute this information ; however, they have not been successful and they report that XXXX XXXX would send me verification ; however, they have not provided any additional information. XXXX weeks ago, I received a letter from a company called XXXX XXXX saying they brought this account from XXXX. XXXX is not following XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Debt Validation gives you the right to request written proof from a collection agency, that you owe them a debt ; it also gives you the right to remove any inaccuracies on a debt and the right to request debt elimination.
Google Wallet is a service that allows you to make payments using any number of bank accounts or debit/credit cards. It allows you to add money to your " Wallet Card '' ( essentially a re-loadable XXXX XXXX by transferring money from your bank via ACH ( for free ) or by adding funds with a debit card ( for a fee of 2.9 % ). 

Here 's the problem. When I add money to my card via the free ACH route, the system tells me very clearly before I complete the transaction that the funds will be available in a few minutes. Once I 've completed the transaction, and check the status, it says the funds wo n't be available until a date 10 days in the future. Usually I 'm doing this in the checkout line at a store, and I 'm forced to add the money again with my debit card, costing me that 2.9 % fee. 

Now at this point, I 've had to pay somebody else to use my money. When I contact XXXX about it, they offer no help and their only solution is to use the debit card route ( which costs me money ). When I add the money via debit card, it comes out right away. But I 've already added money via ACH, which is going to come out on the next business day. So in this example, the money is taken out of my account TWICE, with a waiting period of up to 10 days to access the other half of it. 

Bottom line, I add money, it says it will be available within a few minutes. After I submit, it says it will not be available until several days in the future. Their service is lying and misrepresenting itself, and causing undue financial hardship. 

I have added XXXX screenshots. The first shows that when I go to add {$100.00}, it says the money will be available within a few minutes. The second was taken after submitting that {$100.00} transaction, showing that it wo n't be available until XXXX XXXX. The XXXX screenshots were taken less than a minute apart.
I resided at XXXX XXXX XXXX from XXXX XXXX to XXXX of XXXX is when I moved to XXXX Texas. The property manager for this location at the time name was XXXX XXXX. 

According to the company 's move out policy I did everything in compliance with supporting documentation that I was supposed to do ( Gave my notice for moving, Removed items from the Townhomes, cleaned the unit ect ). The property manager had on site grounds keeper that did the walk around with me and took photos of the unit. The documentation was supposedly given to XXXX XXXX in spite of the fact she still kept my deposit that was owed to me and falsely reported that the unit was in a terrible condition when I moved out. I moved out on Friday the XXXX of XXXX XXXX and another family moved in on Monday XXXX the XXXX XXXX. I was not able to come back to Minnesota to contest the accusations because myself being a single mother and moving to another state was impossible task financially, the property manager was aware of this at that time. However, I have attempted to contact the company directly numerous of times and on different occasions to take care of this issue. I kept getting the run around by the staff of XXXX XXXX XXXX because I did n't know the proper steps file with the false claim that the property manager made and yet not a positive response. 
I 'm asking for a someone to please look into this matter regarding the false claim that the property manager made and please let me know what I need to do to take care of the situation.

Thanks, A Very Concerned Petitioner
I got a new credit card. On this card I get XXXX charge at a XXXX station in TN. On the date it posted, I was no where close to that state. I then sent my dispute on this credit card to Chase. After 3 months, they inform me that my dispute is denied because they said that a person had the credit card physically there and used it. I have several people that can testify that I was no where near that state on that date. What do i do about them still trying to charge me?
I filed a complaint with your group and the company submitted inaccurate information. Company advised they could not speak with me, I spoke with  Wells Fargo on 2 separate occasions. Wells Fargo  has continued to conduct deceptive business practices which should be illegal. They tried to foreclose on my home initially by not going through the proper channels. They stated I had abandoned my home and submitted paperwork legal documents to clerk of court to expedite foreclosure. Next they advised you all they would try to help me with appeal, they denied my appeal with continued faulty explanation. During this entire process they have continued simply wanting to foreclose on my help since it is insured by FHA. They have did this thousands of times to many consumers and your group CFPB has allowed this practice. You closed out my prior complaint without giving me the opportunity to respond. I am writing my local representative i n Congress and the Senate along with SC Dept of Consumer Affairs. I was advised your organization was the group to submit a complaint but you continue to allow such behavior without any oversight or accountability on the behalf of Wells Fargo. Again I did speak with Wells Fargo and they did refuse any help or any possibility of help. Will your organization please hold Wells Fargo  accountability and do a thorough investigate my case. Thank You
I have a credit with capital one and they reported a credit card payment of 30 days in XXXX of 2017 but they charged a late fee in XXXX which was refunded back to me because it was an error but they will not remove the 30 day late payment in XXXX
On or about XX/XX/2018, the servicing of my mortgage was transferred from XXXX XXXX  to MLD Mortgage. I was notified of the transfer and advised that any payments made by me to XXXX XXXX  in the first 60 days after the transfer would be posted to my account as though they were made to MLD Mortgage on the date received by XXXX XXXX. I made payments of {$420.00} to XXXX XXXX through my credit union bill pay service on XX/XX/2018 and XX/XX/2018. Only one of these payments has been posted to my account, and not on the date received by XXXX XXXX, but on the date received by MLD Mortgage. Since early- to mid-XXXX I have been trying to work with MLD Mortgage ( XXXX ) to get my payments properly posted to my account and the interest on my loan correctly calculated based on the payment dates to XXXX XXXX. I have spent over 100 minutes on the phone with MLD Mortgage/XXXX and XXXX XXXX to try to get this {$420.00} payment correctly posted and credited to my account. I also spent an equivalent amount of time talking with my credit union and researching records to provide dates, amounts, and proof of payments. I have sent four different forms of proof of payment to MLD Mortgage/XXXX and yet they have failed to contact XXXX XXXX to find out where my payments are. Rather than try to solve this problem MLD Mortgage has put the burden of finding these payments on me. I recently received from XXXX XXXX proof of receipt by MLD Mortgage of the check from the XX/XX/XXXX payment, yet MLD/XXXX did not make effort to track this down prior to my providing that proof, and I still have no clear indication that they tracked this down. In addition, though I have made all of the required payments on my loan during this period and discussed the servicers error in not crediting my account, until last XX/XX/2018, I received at least two calls per day from MLD Mortgage saying that they were trying collect a debt. These calls were never by live people whom I might talk to and explain that MLD has not properly credited my account, but were robo calls requiring that I call back and be placed on hold. I also received a letter indicating that my loan was subject to foreclosure if I did not make the required payments immediately. I would like to get this corrected and would like my loan servicer to take responsibility for doing this.
My complaint number XXXX was closed without giving me an opportunity to dispute Wells Fargo 's incorrect claim that my loan was not paid off until XX/XX/XXXX. Attached please find receipts that prove this claim to be false. Wells Fargo withdrew funds from my XXXX Account on XX/XX/XXXX despite the fact that this loan was paid in full on XX/XX/XXXX. The poor communication and patronizing attitude from Wells Fargo -- not to mention their delay in refunding my money -- is unprofessional and unfair to consumers.
Hello, Experian is reporting the following information in error I believe and would like it corrected : 1. XXXX, {$240.00}. 
This item was paid directly to the hospital and was to be removed as an error per XXXX in Hospital Billing. 

2. Account XXXX - {$780.00} XXXX that account as to reflect {$0.00} status as agreed. Item still being provided via my consumer report in error. 

3. XXXX Account is current and paid as agreed. 

4. XXXX Account is current and paid as agreed.
Bank of America sent me a letter stating that if I do not provide my occupation and source of income they are going to close my account. My understanding is that that information is voluntary and not mandatory. I spoke to a B of A rep who told me my account would in fact be closed if I did not comply and I have the letter to back that up. I pay my bills on time and only owe a small amount of money at the time. Is this true?
I asked to investigate all the fields on the act. but they come back with a verification that the balance is not reported by the the creditor. If they ca n't verify the balance is XXXX after well over 45 days they should have deleted the acct. They are slopy when they fix something they XXXX others
XXXX19 XXXX XXXX XXXX XXXX XXXX ( XXXX ) left a message regarding a debt that my brother and his girlfriend have. I am not a cosigner nor have anything to do with the loan. I don't know how they obtained my house number, the number is not even under my name nor is it connected to my brother in any way. I called and asked them to take my number out of the system and not to call again, a representative ( did not get his name, was a Male with a heavy XXXX accent ) assured me my number would be taken off. 
XXXX19 XXXX I get home and there is another message from XXXX XXXX I called again and explained this issue to Ms. XXXX, whose response was " mam, can you calm down? '' Mind you I wasn't yelling or anything, I was just frustrated that this company XXXX  their way into my house phone number and are taking liberties they shouldn't be taking. Instead of an apology or acceptance of their wrong doing, I got an attitude. Now, I don't know much about debt collection practices but I don't think that the company can XXXX their way into contact information of family members of their clients and contact them regarding a debt they have nothing to do with it. Also, by calling and leaving messages about debt collection they are dispersing information about overdue payments regarding their clients.
Our mortgage was sold to XXXX different banks. XXXX of the was Bank of America. They sold it to XXXX XXXX XXXX. Now they want to foreclose on us without giving us an opportunity to solidify the debt therefore by allowing us to have an affordable payment plan according to our budget.
I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was  notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.
I was informed that I am a victim of three data breaches since XXXX and have placed security freezes on my credit reports with the three credit bureaus. On XX/XX/XXXX, I applied for a credit increase on my XXXX XXXX credit card which I have had for over 6 years. I was denied the credit increase based on Equifax 's inaccurate data reporting of inquiries. The denial letter is attached to this complaint. Equifax is reporting unauthorized inquiries on my credit report. They have now caused me financial injury as well as defamed my reputation with XXXX XXXX. I am requesting that they provide me the authorizations for the following inquiries that they are reporting on my credit report or delete these unauthorized inquiries immediately. The inquiries and the dates in question are : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
I have been trying to get my house affixed to the land and am willing to sign papers where the land is part of the house. I spoke various times to the company without resolve. I am also trying to get a VA Loan since I am a XXXX Veteran but still no progress with company. I gave the new loan company the information and authorization to get the information of the current loan and the current company still declined to give them information. As a XXXX Veteran I am trying to get my due rights of a VA Loan but the existing loan company is blocking all attempts.
I owe kay jewlers XXXX $ on a XXXX $ card and am XXXX payments behind because my girl isnt working right now since she had a XXXX and kay jewlers calls me about 10 times a day even after XXXX and they also keep calling my boss and many of my family members telling everyone they speak to all of my personal information i have spoken to XXXX supervisors telling them that they cant do this and they still continue to do so soon i will be going to the store and flipping out if this continues my boss is very angry with me and my family is very nosey they should not be doing this its my card not everybody i know to be involved
I first contacted the hospital in reference to XXXX medical bills showing on my credit report. They would not give me any information about this debt, saying that all communication must go through the collection agency. They stated I must contact Syndicated Office Systems for any information. I called Syndicated Office Systems and inquired. They refused to give me any information about the debts, dates of treatment or anything else. They insisted that I must provide them a phone number, even after I advised them of my name and SSN. Their representative was rude and abusive and hung up on me when I advised him that I would not supply a telephone number.
This is in regards to a loan that has since received a default judgment against my husband and myself.  The loan was originally for XXXX, signed in XX/XX/XXXX.  The debt was paid down to below $30000 when this was sent to court and now has accumulated to over $57000.  We lost our business in XX/XX/XXXX, where shortly after my husband moved to XXXX to work.  Shortly thereafter, we separated and I moved to XXXX to help take care of a grandmother who was in the late stages oXXXX XXXX.  She XXXX in late XXXX and I moved back to XXXX in XX/XX/XXXX.  Paperwork shows that the loan was defaulted on by my husband, whom had the vehicle, it was then sent from XXXX XXXX to an attorney who filed a judgment against us in XX/XX/XXXX.  They state that a notification was served on me but there is absolutely no way they could have as I was not living in XXXX at the time.  Later in XX/XX/XXXX the account was turned over to a collection agency by the name of XXXX XXXX who then sold the account to Kohn law firm in XX/XX/XXXX.  We were NEVER sent any paperwork on this account when it was sent to either collection agency!  The only time I knew about Kohn law firm handling this case was when they stated garnishment proceedings on my husband in XX/XX/XXXX.  I did not know then that we could send a verification letter to these companies to verify the debt with them and now Kohn law firm says that I am entitled to a verifaction letter as it is past the 30 days notification!  How can that be when they never sent a letter to us regarding this debt?!!!  I have sent all information to the judge handling the case as well but nothing has been done.  This is not right and I would like something looked into regarding this.  I should be entitled to a verification of the debt from Kohn as well as XXXX, yet neither one will give this information!!!!  Kohn law firm continues to collect garnishment on this case even after my husband notifying them that he now falls under the federal poverty level!!