WillisBack/dataset-financial-user-claim huggingface dataset:
Medical group billed the wrong insurance on multiple occasions. Correct billing information was provided repeatedly. Spoke to multiple representatives who all confirmed they billed the wrong insurance company. Spoke to my insurance who confirmed they did not file a claim and asked them to fax it for immediate processing, which the medical group claims they can not do. Always maintained constant contact with the medical group and now received a letter from collections agency for full amount of bill and confirmed AGAIN that claim was NEVER filed with my insurance company. Sounds like fraudulent attempt to collect 100 % of cost instead of discounted cost required through insurance. Why else would they not make every attempt to bill the correct insurance company ... .even when they 've been given the option to FAX the claim in?!
I consolidated my loans, they put loans in there that I did not want consolidated. They are very deceitful, dishonest and convince you to forbear because the monthly payments are so high that it is not possible to be a single, working, educated woman starting your career. It is completely disgraceful and not only is it hurting the United States Economy, by not allowing the millennials to be able to buy a house, but to continue to be indebted forever to loans. It is nearly impossible to be able to survive with student loan debt. It is stressful to have to owe {$250000.00} + and know that you are going to have to be paying for the rest of your life and then having a company be deceitful, raise interest rates, make it seem like consolidating or forbearing is a good idea. They take advantage of the American consumer who is not nearly as educated and knowledgeable about student loans. 
Furthermore, I recently had an issue where my father sent payments in to the loans that he is a co-signer on and they stated that they did not receive one of the payments, which was sent out the same day as the other one. Then they tried to blame it on the holiday, which was two weeks prior. I lived in XXXX and know how long it takes for a payment to get from XXXX to the XXXX ( XXXX ). Also, they called me every day multiple times and said it was going to affect my credit. I had to explain the runaround to every person and when some lady with half a brain finally found out what happened to the payment, it was misapplied. Misapplied? How many times have my payments gone into space or been misapplied? Makes you wonder who we are sending hundreds of thousands of dollars to. They are crooks and should be shut down by the United States government. My loans for XXXX were probably around {$25000.00} and my parents have already paid in access of this. They have requested multiple times for a payment book, a paper trail so we can verify what is getting paid every month and they refuse. There have been numerous times where payments have been applied to wrong accounts or went missing. I am a hard-working, newly-admitted attorney who should be able to save for my future and buy a house, but I am inundated by student loans with astronomical interest rates and continue to get XXXX by this provider.
I have set up an account with www.XXXX.com to monitor all XXXX of my credit reports. To my surprise, I have noticed several dozen inquiries that do not belong to me. Please remove these inquiries that were unauthorized. XXXX total inquiries reporting on XXXX. I have included a word document will all inquiry names, address and dates of inquiries for your to investigate and remove.
I enrolled in paperless statement, however, I never receive email regarding my statement and amount due. 

I got a paper statement XXXX XXXX and saw that 2 late charge of {$32.00} and also {$27.00} on my {$34.00} purchase. The site did not allow me to do any automatic payment and I do n't think this is fair to me collecting late fee much over than my purchase and without sending me any statement.
Report Number : XXXX Online Credit Report from Experian for : XXXX XXXX Report date : XXXX XXXX, 2017 This address has pertained to a business : XXXX XXXX XXXX XXXX CA XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX. 
False and if so, someone else has opened this business. 
Also all delinquent accounts pertaining to my credit is from hospitals or medical providers that did absolutely nothing to help me with my condition? Might be a civil matter do n't know if you can do anything about that.
I have previously submitted a loan modification request for assistance on XXXX XXXX, XXXX. My request for assistance was due to a hardship that began in XXXX when I was laid off from my job and I struggled for over a year to find a job where I would earn a similar wage. After securing a well paying job in XXXX and paying off all of the debts I had acquired in XXXX, I fell behind in my mortgage and I was again laid off just XXXX weeks ago. I am presently working toward securing a new job ; however, I am very concerned that my home is scheduled for a foreclosure sale on XXXX XXXX, XXXX. I have submitted a Qualified Written Request, Notice of Error and Request for Information on XXXX XXXX, XXXX and delivered to Wells Fargo on XXXX XXXX, XXXX via XXXX tracking number XXXX ; however, as of today 's date Wells Fargo has not responded ot my request and has not postponed the upcoming foreclosure sale in agreement with the Notice of Error/Request for Information, QWR delivered to them. As such, I kindly request your assistance in having Wells Fargo respond to my QWR, Notice of Error/Request for Information and have them postpone the upcoming foreclosure sale in order to confirm the amount owed as well as explore all available loan modification options available to me. I would greatly appreciate your assistance in saving my family home which has been our family home since my wife XXXX XXXX passed away in XXXX. 
Additionally, I have sent an email to Wells Fargo CEO President and Chairman XXXX XXXX on XXXX XXXX, XXXX and he has been unresponsive. 
Please engage my representative XXXX XXXX XXXX at XXXX as she has my written authorization to speak with you. For your reference, I am forwarding you the supporting documents along with the QWR, Notice of Error/Request for Information, prevoiulsy served on Wells Fargo Bank. Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX
I completed a transaction with a buyer on XXXX on XXXX/XXXX/XXXX and payment was made to my PayPal account. The buyer then claimed my item did not arrive and opened a dispute. I tried to inform PayPal that this was simply not true and I spoke with the employees at the place my package was sent to but I heard nothing back and the money was removed from my account on XXXX/XXXX/XXXX. The person who bought my item was using a third party shipping service. This means I ship to that business and they ship to him in XXXX. It is unfortunate that my attempts to prove the buyer was lying went unheard and essentially the money was removed unfairly
On XX/XX/2018 my husband and I applied for a joint consolidation loan at the Key Bank, in XXXX, OR. The loan officer was very polite, and engaging. On XX/XX/2018 he called us to inform us that we were denied based on 3 years ago prior late payments on my personal record. At that moment, I told him we would like to apply for just a car refinancing loan only in my husband 's name ( because he has good credit ). The loan officer, XXXX XXXX, then informed me that they do not give loans to XXXX. ( My husband is a legal XXXX XXXX. ) At that point I replied that I felt that this policy was racist, and discriminatory. 

Therefore, I would like to make a discriminatory complaint against Key Bank. I also called the XXXX number and the customer service lady confirmed that whatever the criteria for " underwriting '' for Key bank 's loans policies are, which the loan officer stated, was what Key Bank goes by. Therefore, it is obvious that this bank is discriminating against legal XXXX XXXX. ( My husband has a 10 year XXXX XXXX, Social Security Card, Oregon Drivers License. ) Please submit this discrimination claim. Thank you.
I have a Goodyear credit card issued by Citibank N.A.. I made a purchase of Goodyear tires from a Goodyear authorized service center on XXXX XXXX XXXX. Displayed prominently in the store, were advertisements for the Goodyear Credit Card mentioning 6 months no interest on purchases of {$250.00} or more. My purchase amount totaled {$740.00}, so I was very surprised to discover that interest had been charged to my account. The advertised terms of the promotion are as follows. Special Financing Plans 6 months no interest on purchases of {$250.00} or more. Interest will be charged to your account if the purchase amount is not paid in full within the qualifying number of months. Minimum payments required. Goodyear Credit Card Special Financing Terms & Conditions With credit approval for qualifying purchases made on the Goodyear Credit card at participating stores or on XXXX I contacted Citi on XXXX XXXX XXXX and explained what had happened. I was told that the promotion was not properly applied at time of purchase, and there was nothing that they could do to correct the issue. As I mentioned, advertisements for the no interest promotion are displayed prominently in the store. Similar ads are featured on the Goodyear website, as well as on the credit card statements I receive. There is no mention of a promo code in any of the marketing materials advertising the promotion. Therefore, I dont understand how the promotion would not have been applied when I made the purchase. As I mentioned, I purchased at least {$250.00} worth of Goodyear tires from a Goodyear authorized retail location. I have had this card for many years, and have never had an issue with promotions in the past. In addition to the call on XXXX XXXX, I have contacted Citibank two additional times using their online system. The first message was on XXXX XXXX and the second was on XXXX XXXX. I have yet to receive a response. I feel that Citibank is intentionally avoiding me in hopes that I will not take further action. The representative on the phone made it very clear that Citibank was unwilling to help. I find Citibank and Goodyears promotional marketing to be deceptive, and would appreciate any assistance in resolving this matter.
I received a Capital One Credit Card to be Activated in the mail. I did not request this card. I reported it to Capital One fraud department and do an investigation on who did it. I called them to find out what is going on. They told me they filed this to my credit at the credit bureaus. They should not have done that to my credit rating since I did not ask for this Credit Card. Company is Capital One, XXXX XXXX XXXX XXXX, XXXX Virginia XXXX
I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.
NCB Management services is a company trying to collect on a debt that does not belong to me. The amount they are trying to collect is {$5600.00} dollars. I have asked for information to be provided to me to verify this debt. Under the Fair Debt Collection Practices Act I have the right to request validation of this debt. I request VALIDATION made pursuant to 15 USC 1692g Sec. 809 b of the FDCPA. This company is not licensed to collect a debt in Maryland.
OnXX/XX/XXXX My Credit report shows a XXXX account that was financed Thur XXXX XXXX XXXX  XX/XX/XXXX I was writing to XXXX they say it was sold to XXXX XXXX and I wrote them and all they did was change the Account Open date from XX/XX/XXXX TO XX/XX/XXXXIve wrote to midland several times regarding this error and the statute of limitations has passed and this account should be removed off ALL 3 credit bureaus So Im reaching out to you for help Thanks
I had applied for a mortgage through keybank. I turned in all my Information that was requested and needed. The girl that was working on my loan had left and my file was given to someone else. But before my original loan person had left she had already got my paperwork done and ready to be processed to the point where nothing else needed done. My file was handed over to the new person and that's when it all went down hill. For some reason this new person re started the loan all over again and just made the process very difficult and stressful. She was very hard to get ahold of.. wouldn't answer us back for days and that included calls, emails and texts. Keep in mind that this is for a house so we have a strict deadline for our closing date. Being that we wernt able to get ahold of our loan person we decided to go to her boss. That was a waste of time because he was no better at customer service or returning messages or calls. There was times that they sent other personal emails to me by accident and there was times that they refered me as someone else and had called me by the wrong name. I had to constantly remind them who I was. I paid for my appraisal and it was never ordered.. My application for my loan was never submitted.I dealt with this for almost three weeks before I decided to go to another bank. At one point I had to get it boyfriend involved because I wasn't able to handle the stupidity. She would tell him one thing in an email and tell me another. Very incompetent. And when I asked nicely for my file to be emailed to me so I could have all my information for my new lender and I was told no! My new lender refused to send me my own personal documents because she said she wasn't providing them for my new lender! I have tests to prove it. I was put at risk for losing my house because of keybanks poor customer service. Very disorganized and unprofessional.
On Friday, XX/XX/XXXX a Citibank employee from a local branch phoned me and tried to sign me up for a " CHECKING PLUS '' account, which protects checking accounts from overdraft fees by " loaning '' the recipient a {$1000.00} line of credit and taking fees out of the checking account to cover the loan. I declined this service. I had a free checking account with direct deposit and automatic bill pay and this is not a service I needed. The call from XXXX came in during another call and lasted less than 2 minutes, and I went back to the call I was on. The Citibank employee not only went on to open this " CHECKING PLUS '' account without my permission, he also attempted to open a " CASH and CREDIT LINE '' loan, but the bank declined this. I NEVER AUTHORIZED THESE BANKING SERVICES. I have been trying to resolve this problem for over a year, once I discovered that the bank was taking up to {$37.00} per month to cover this loan. Moreover, this line of credit has massive hidden fees. I estimate that I have paid 3 times the amount of the {$1000.00} " CHECKING PLUS '' loan over the last few years. The loan is never paid down and the bank says I currently owe {$1100.00} ( estimated ) on this account. I include an example of the overcharging in the documents. For example, the first time it used, {$200.00} is taken from the " CHECKING PLUS '' account on XX/XX/XXXX. However, after that the statement reads after I owe {$390.00}. Where does this other {$190.00} come from? I have tried to resolve this problem with both the local branch and the national customer service/credit department to no avail. No Citibank employee can explain to me exactly how the " CHECKING PLUS '' account works, or why I allegedly owe {$1100.00} after paying thousands of dollars in fees over the course of four years. I claim that the opening of this " CHECKING PLUS '' account is an act of fraud by a Citibank employee, and that they have used this line of credit to overcharge me, take excessive fees from my regular checking account, and otherwise violate my rights as a consumer protected by state and federal banking laws prohibiting financial institutions from opening lines of credit or otherwise providing services with fees to consumers without their express permission.
In XX/XX/2018, I had fallen behind on my loan payments. i finally was able to recover in XX/XX/2018 and become current on my loan. I have disputed with transition and XXXX XXXX XXXX multiple times as my credit score has not been updated since XX/XX/2018. I am current on my loan payments today, XX/XX/2018 however XXXX XXXX XXXX is reporting I am now 60-89 days late. I applied for a lease in XX/XX/2018 and was denied as the loan was reporting 60 days late. Thus, resulting in a major loss of income as this was a business lease. I have called several times asking for this issue to be resolved with XXXX XXXX brushing this off and telling me " They can not do anything and Ill have to wait until the system automatically updates. '' Well, it hasn't updated since XX/XX/2018 and we are now at XX/XX/2018. I have filed a complaint with Transunion who did not do a thorough investigation because had they, they would have found my loan current, and updated the information. 
I feel XXXX XXXX XXXX  is maliciously reporting erroneous information to discriminate against me as my loan had been past due in the past. I did tell them when pleading to update my loan status that I was unable to get a loan with the incorrect information on my credit report.
Attempted to make pays, but could not pary the amount they wanted. XXXX dollars a month, They would not accept the amounts I was able to pay around {$100.00} a month. They would not accept anything less than $ XXXX {$600.00}. They threatened to sue for the amount and threatened credit. After it was turned over to collections I was able to work with them and make payments. With an interest rate so high, barley any gets paid on the actual loan itself.
I opened an account with american express for a Delta Business skymiles card. I met the requirements as noted below and it has been past the time and they have n't credited my account with the points and the XXXX delta credit. Also attached is a copy of the conversation stating I met the requirements and the numerous times I tried to fix the error. Please help. 



Offer states : XXXX bonus miles after {$2000.00} or more in qualifying purchases are made on the Card within the first 3 months ( 92 days ) of Card Membership. An additional XXXX bonus miles ( for a total of XXXX bonus miles ) after an additional {$1000.00} ( for a total of {$3000.00} ) in qualifying purchases are made on the Card within the first 6 months ( 183 days ) of Card Membership. A {$50.00} statement credit after the first qualifying Delta purchase is made on the Card within the first 3 months ( 92 days ) of Card Membership. The annual fee for the Gold Delta SkyMiles Business Credit Card will be waived for the first year of Card Membership. After that, the annual fee will be {$95.00}.
Most of the information on my credit report are incorrect from balance to creditor to timing of my payments to my address there nothing thats accurate about my credit report it need to be change they have XXXX different name for me XXXX different address XXXX different phone number
I purchased a vehicle, after a while it started giving me many issues, some of which I was able to repair which caused me to fall behind on my payments. The car became inoperable so I continued to try to repair it while paying partially. I had to purchase a new vehicle and continued to try to work with the lender on payment. The company 's representative became very rude and seemed to be annoyed by my situation and demand that I make payments via XXXX XXXX. After informing him that I could mail money orders he told me that was n't an option and blocked me from online payments. I understood the payments had to be made although the car was n't operable. I mailed in a money order along with details about the vehicle 's whereabouts along with itemized statement of all costs and yet I have no help. The abuse I have had from this company has been exhausting. I requested a cease and desist and I am still receiving mail from them. I understand they also may be able to pull my credit as well but they 've charged the debt off and continue to pull my credit almost monthly. I recently contacted them and still no one is able to help with this matter. I 'm asking that they remove inquiries and any negative reporting in this matter before I obtain legal counsel as well as take this matter to the media.
I got an offer for XXXX Amex points after spending {$20000.00} in 3 months on the Amex Business Platinum card. A week after receiving the card, Amex replaced the card because there was an issue in their system with the card number. I then met the spending requirement on the new card they sent me. The bonus never posted because of a glitch in their IT system. I opened a case with Amex and I was told I would get the bonus but I still never got it. ( The XXXX points I currently have are from my other amex cards )
On XXXX XXXX, 2016, XXXX XXXX pulled my credit without my knowledge or consent. Despite several phone calls to the company, and many letters to XXXX XXXX and to Experian, this inquiry has not been removed from my credit report. I know it 's a small thing, but it looks as though I have been seeking additional credit lines, which I am not. 
I am appalled that a company like XXXX XXXX is allowed to pull consumers ' credit without a legitimate purpose. I have NEVER applied for an XXXX XXXX product, and they have no business pulling my credit and leaving an inquiry on my credit report. 
I really want this removed from my Experian Credit Report.
XXXX XXXX XXXX  reported a debt that they claim was owed by original creditor, XXXX XXXX XXXX XXXX. However, I was never notified of the debt prior to either company negatively reporting the negative balance. I contacted the original creditor and paid the balance owed in full ( XXXX - confirmation number ) with a verbal promise they will update my record with the collection agency.
I have requested a loan Modification from Citimortage Acct # XXXX I work full time at XXXX. My Husband is extremely XXXX and on SS Benefits XXXX XXXX at Citimortage has falsified that I have communicated with him. We are delinquent on the Mortgage - having to leave work to take my husband to the Dr XXXX 
Good afternoon XXXX, Thank you for taking the time to call me back during your lunch to go over your options. As we discussed over the phone, we can review again to see if you may qualify for a Modification to your existing home Mortgage loan. In order to do so, we will need to update several items. Most of what you sent in has expired, as they were sent to us in XXXX, and they have a 90 day shelf life. Please provide the following: