WillisBack/dataset-financial-user-claim huggingface dataset:
In XXXX, I had a XXXX and went to see a dentist who told me that I needed to have at least XXXX would continue to come back. The dentist told me that the cost of the procedure would be {$1500.00} copay. I could not afford to pay that so I went to see another dentist XXXX. XX/XX/XXXX I went to another dentist XXXX and was quoted {$1200.00} for the same problem including XXXX. I told them that I did not have the copay of {$1200.00} but i wanted to have my XXXX. The doctor sent to me receptionist who told me that a company called care credit can offer me a credit card to cover the cost. I agreed to the terms because the receptionist explained that the company does not charge any interest if I pay the balance in 12 months but they charge interest during the course of the year which will be returned to me if I pay the card in full. I signed the paperwork and had the procedure done. The dentist ended up removing XXXX because she found problems with more XXXX. My son who is in school needed to have his XXXX. the dentist said he would benefit from XXXX which cost {$800.00} copay. The receptionist told me that care credit had agreed to increase my credit limit to {$2500.00}. I was paying the credit card monthly with late fees assessed at times until XX/XX/XXXX. XX/XX/XXXX I called care credit to ask how much I needed to pay off the account. They told that I owed {$2500.00}. When I asked them if I was going to get a refund of the interest that I had paid they told me that I was not eligible for any interest. I decided to make payments to my insurance so that I could pay care credit off the following month. When I called to pay off the {$2500.00} they told me that they had added {$400.00} plus at the end of XXXX for the initial credit and that they had another {$440.00} in XXXX for the second account. They refused to accept a settlement of {$2500.00} at the end of XXXX citing that even if I pay {$2500.00} the interest will continue to accrue. It is then that I paid {$320.00} to cover the balance due while I discuss with customer services how the deferred interest was explained in a different way to me by the receptionist at the doctor 's office. I exhausted all the avenues of negotiating with the managers who all told me that the information I received was wrong.I then called your office after reading about care credit on the internet. I told care credit to stop calling me because I was getting legal services to handle the case. In the meantime I asked them to send me the previous statements so I can submit them to your company. The following month when I was trying to make a payment I was told that my monthly payments had gone up from {$94.00} to {$150.00} because my new balance was {$3500.00}. This has greatly affected my credit score and its impacting my daily life as I can not apply for credit as long as this issue is unresolved. 
I can not afford to pay this much amount as I am in school and I also feel that the company is fraud. They did not explain to me how their care credit deferred interest works until this year. If I knew about this I would not have taken the credit.
I am receiving calls at my work phone # from Southwest Credit, for someone I do not know. The phone calls are all from Southwest Credit and are intended for someone else. However, I am not this person. I would like these phone calls to stop and I prefer not to have to spend a lot of my workday doing this. Currently I receive approximately XXXX calls per day.
Equifax leaked my personal information to hackers. This is proof that the company is incompetent and should NOT be allowed to store people 's sensitive information. I want Equifax to delete ALL of my data.
I was a victim of ID Theft as far back XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XXXX XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
I recently made a payment for my discover now credit card. When I was making the payment I noticed that I was 2 days late in making the payment. The thing is, I never go a reminder on the due date of my next payment. If I knew, i would have paid it. I recieved no letter nor email. I will like to fix this before being penalized for my lack of knowledge. Thanks
I remodeled my house ; purchased most of the materials from XXXX using their " 6 month same-as-cash '' offers. I had numerous balances on these " 6 month @ 0 % '' offers that expired in different months ( or incur deferred interest ). I was paying close attention to my offers and paying off those balances when they expired, and asking for anything over the minimum payment to be applied to my " regular purchase balance '' which is charged 25.24 %! 

Capital One has a disclaimer to get around applying anything above your minimum payment to the next highest interest rate balance - they apply anything over your minimum payment to the currently expiring balance and then to the NEXT expiring promotional balance instead of applying it the next highest balance ; the " regular purchase balance '' earning 25.24 %! 

I have asked them not do this on my account, and they tell me it 's automatic. I tell them that I am directing them to apply my payment to different balances instead ; I get the run-around every time. I have to talk to a supervisor, then I 'm on the phone for HOURS - as they try to confuse me, then eventually offer to wipe the interest fees. They never do correct the balances on the various promotional offers, so the issue never does get fixed. I have to call them back every month and go through the whole thing again. I 've spent HOURS on the phone EVERY MONTH with a different supervisor applying my payments manually. Then they still do n't apply it correctly - the balances are all wrong, when I try to get it straight, they just talk about all the difference balances, tell me the same thing in a different way, attempt to confuse me, etc. They refuse to apply my payment how I ask them to AND how it is required to be applied according to CARD Act of 2009 ; which is minimum pmt, payoff promo balance expiring that month, then apply anything over that amount to the " regular purchase balance '' - the balance with the highest rate. 

It 's a struggle every month to request that my payment over-and-above the minimum payment be applied to the balance with the highest interest rate. 

This clause " If you have Same As Cash Credit Plans, we will automatically apply payments received during the final TWO billing cycles and up to the date of expiration first the required minimum pmt due and next to the plan ( s ) that is expiring, in order of expiration ; at other times, we will treat your Same As Cash Credit Plan as having a 0 % APR for purposes of determining payment application. '' This allows them to pay off a balance that is sitting at 0 % for another month instead of paying off the balance sitting there at 24.25 %.
I had the Rushcard since XX/XX/XXXX. XX/XX/XXXX they were having technical issues and people were not able to access their money. They stated that they would be compensating it 's customers for the problems they encountered just as I was in the process of moving my direct deposit from them. I opened a XXXX account and have been with them since. Recently, I wanted to go back to Rushcard because I liked getting paid 2 days earlier. On or about XXXX/XXXX/XXXX, I called Rushcard to make sure everything was ok with their system and if my account was ok for direct deposit again. I was told that everything was good, thanked me for being a customer since XX/XX/XXXX and never mentioned any negative balance. I was in contact with Rushcard for over a week before my direct deposit went in and.no one ever mentioned a negative balance until I called them about not receiving my pay. Rushcard is saying that they deposited my payroll twice in error. From XX/XX/XXXX I was never contacted about this. I am a XXXXyr old grandmother of XXXX on a budget and they just took my entire paycheck, XXXX. I had to borrow money to pay my rent. I can not pay my utilities. I called and begged them to make some kind of payment arrangement with me but not to take my entire pay. They told me they would escalate the issue and it would take 2 business days. This was on Friday XXXX/XXXX/XXXX. I called them back after not hearing anything on Wednesday XXXX/XXXX/XXXX and was told my money would be posted back to my account in 2 business days. When I called back on Thursday about not seeing my next paycheck I was told that the information about the pay they took going back to my account was incorrect. I was counting on this, making promises to my bill companies and all. She said if no one contacted me in 2 business days, that meant the escalation was denied..This is a huge huge loss I can not have. I will be in the dark, my cable and car will be gone. Rushcard should not be able to make people suffer for their mistakes. i thought the extra money was the compensation rushcard was giving customers. They never said how much or when they would be doing it. I am perfectly willing to pay the money back but not like this. I am suffering a great deal. My bills were already late so now i am in desperate trouble. These people can not get away with this! I am going back to XXXX. I would have never gone back to a company knowing i took funds from them. I did not know and they never told me, just took my money. I will also lose my health insurance which i desperately need. I need help, please! 

Thank you in advance for anything that you can do. 
God Bless You!
On going disputes with BSI Financial Services ( prior complaint case # : XXXX ). 
BSI charged me {$1200.00} for flood insurance that I already have. They even state in their letter that they received confirmation of flood insurance. I also had the same issue with the prior mortgage server XXXX XXXX. My flood insurance expires XXXX XXXX of every year so why are these companies buying flood insurance prior to expiration? Since BSI took over my mortgage XXXX XXXX, 2016, I have constant issues with them. I called them numerous times lately and the answer I now receive is that they sold the mortgage and they can not resolve any past problems. Enclosed are are two years proof of continuous flood insurance. It is apparent that BSI is abusing their customers and are getting away with it.
Please delete all allegations which are not demonstrated in clarity to be true, correct, complete, timely, mine, my responsibility, or else wise fully compliant.. I disputed the accounts but Equifax failed to send me evidence of the accounts in question XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ( duplicate reporting ), XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX,
I received a call this morning at XXXX from an auto dialer at Citibank, in order to collect on a credit card which is past due. I then received a call at XXXX from the auto dialer on the same issue. The citibank employees when the calls were transferred to them from the auto dialer had not read the notes or prior contact or payment arrangements which were entered into their system twice over past XXXX weeks.
I noticed on my credit report that a medical was on there twice, and it was the same medical. The medical was reported by XXXX XXXX for a medical service. The service was on the same day, the amount was the same, but yet they have two medicals for the same debt. They have duplicate trade lines. I have asked Experian and XXXX to remove the XXXX duplicate tradeline, both in the amount of XXXX dollars. They refuse to do so. I have worked at a credit agency ; the two unpaid XXXX medicals are the same account : open date the same, amount the same, day of delinquency the same.
I made an error and let pressure get the best of me. I was also lied to by the salesman about many details which were obviously selling points for him I was pressured into a 4 year lease with XXXX payments and paid XXXX down. 

The contract, which isn't final because the dealership has not secured funding, is 100 % dealer driven profit and includes absolutely nothing for the consumer. 

I hope to re negotiate the terms and not be stuck upside-down in a 4 year lease with payments hovering XXXX I have contacted XXXX XXXX XXXX, and hope to work something out that is fair -- not a trade you would get at a buy here pay here.
Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

Best, XXXX
I placed a security freeze with XXXX  when they had their data breach. Today ( XX/XX/18 ), I placed one with XXXX. However, when I attempted to place one with equifax, they stated they were not able to because I have no file with them. This is strange because I have received my annual credit report in previous years, I have mulitple lines of credit ( student loan, car loan, and credit cards ) - I confirmed with all the companies that they submitted information to equifax. 

What is going on with Equifax?
My credit cards were cloned and stolen in XXXX. While most of my credit cards handled the situation fine, American Express has been a nightmare to work with. I 've called dozens of times, received dozens of erroneous letters from them, they 've hung up on me countless times, and they even called my wife a XXXX and mocked her sarcastically.
On  XXXX / XXXX / 17  a deposit was made for  XXXX . The deposit is made monthly to cover the BBT mortgage. No notification at the time of deposit was received at the  XXXX   XXXX  on  XXXX   XXXX  indicating that the funds would be held due to an old computer system being used. I did not notice until later when looking at my online account that the funds were being held. This deposit always clears during the nightly cycle. As such all transactions during that time frame caused the account to be overdrawn. The account experienced overdrafts of {$180.00}, {$36.00}, {$100.00}, and {$140.00} totaling {$460.00}. When I spoke with the branch I was told by the rep  XXXX  that they consider these held funds when taking the fund off hold. meanwhile, the funds had been withdrawn from my husbands account on  XXXX . This allows the money to be available t o BBT yet  not in my account. Additionally they now earned Overdraft fees by not releasing the funds for a week when they had them on  XXXX . I called to ask that the OD fees be reversed and they said they would only give  XXXX  dollars.
XX/XX/2018 : Certified letter received by XXXX, from myself, requesting physical verification of the account listed on my credit report from collector : QUALITY ASSET RECOVERY My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from XXXX stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from XXXX that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
I filed with Bank of America Appeals Intake, fax XXXX Re : request for reevaluation of loan # XXXX on XXXX/XXXX/17 ( despite auto update of fax date on copy of letter ).
This was consistent with the request on p. 3 of the attached letter dated XXXX/XXXX/17 ( the denial letter ). I maintain that my fax of the letter was consistent with the BOA request that I send my information by fax and my desire not to communicate with BOA over the phone since there have been numerous inconsistencies between what I have discussed and what is actually done.
Now BOA is saying they had no requirement to respond since I did n't make the phone call as specified also on p. 3. I believe this continuing the practise of BOA to despite the ruling of Case Number : XXXX Filed : XXXX/XXXX3/2017 in the US Bankruptcy court which held in Doc # XXXXthat loan request were " routinely either lost or declared incomplete or stale or in need of resubmission or denied without comprehensible explanation. ''
My student loans at XXXX University were issued fraudently I was packed every 6 months instead of once a year.
I am attaching a copy of the letter my husband and I sent to the credit bureaus on XX/XX/XXXX. They were supposed to respond within 30 days, but have not.
I was having my check automatically deposited into my account at BBVA Compass in XXXX, Alabama. My account became overdrawn due to attempted in-house transfers to my savings account and was charged off. When my paycheck went in XX/XX/XXXX, I was told it went to a " collection account '' and that it would be held until the next week and processed after the funds I owe were collected and deposited to my savings account. It is now XX/XX/XXXX, and I still do not have access to my funds. I spoke to the branch manager,  who told me there was nothing she could do that I would just have to wait.
I just sent this letter to mygreatlakes.com, it 's the second time excess payments have n't been made correctly. 

Please apply 100 % of my excess payments to the account with the higher interest rates immediately. 

XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$20.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$40.00} According to your repayment rules, there is zero reason for the monthly payment for loan token XXXX to be going up each month. My payments being made in excess should be going towards token XXXX, as outlined in my overall account, and as each payment is made. I choose for 100 % of the excess payment to go towards token XXXX with the higher interest rate, and it NEVER happens correctly. 

Please contact me as soon as you can. This is the second time I 'm contacting you about this problem after I was told it had been resolved over the phone. I will be contacting the CFPB as well with this exact letter for the second time.
Collection agent began conversation with ultimatum : " Unless you agree to payment terms, we will file a lawsuit and get a judgement ''. He then said, " Do you think you have a get out of jail free card or what ''? Very rude, and obnoxious on the phone. When I asked him not to call again, he immediately called back. He then called a few 3rd party friends and relatives of mine as a further ploy to annoy and intimidate me. He had my contact information, and had no right to call any 3rd party to question them.
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX On XX/XX/2018 I noticed in the morning an overdraft was going over the weekend so I deposited more then needed to cover the check and as I deposited money it deducted the money from my deposit so I felt all was good. The next 2 days on XX/XX/2018 my fee was added I made the deposit prior to XX/XX/2018 but the bank doesn't credit it the same day even though they told me it was.
I received a letter from a Company named Viking ( see attachment # XXXX ) claiming I owe them {$400.00} for damages I would have incurred when renting a car with XXXX in XX/XX/2016. As it can be seen in the receipt from XXXX, I returned the car with no damages noted XXXX see attachment # XXXX ). Between XX/XX/XXXX, date of the return, and the letter from XXXX, XX/XX/XXXX there was no correspondence from XXXX mentioning damages or any other problem with my rental. Besides, the letter does not provide any detail on the damages caused, nor how the determination was made I was responsible, despite the fact XXXX did not notice any problem when I returned the car.
I get calls from unknown number asking me to verify my information. I requested to know who is calling and regarding what. They would not give me information without verifying my personal information. The first person who called by the name of XXXX XXXX claims to be calling from the XXXX county office she states that there is a case filed against my daughter and are attempting to serve papers. They asked me to call XXXX and ref # XXXX. I called this number and asked what business is this they said XXXX XXXX they are talking about a debt which I owe Jared Jewelers {$300.00}. I informed them I have not received any communication can you send me the information by mail which they are refusing and stated that the matter needs to be resolved within the next hour and over the phone by paying {$890.00} or making payment arrangements of XXXX installments of {$310.00} or they would file a case. this i was informed by XXXX XXXX XXXX 's when I called over the phone to get further information. They are refusing to give their organization address or to send proper information regarding the debt. On this same debt we had threatening callings before a year back and now they have started again. They said we will serve the notice at my daughter 's work place. Which this information was not provided to them. They call blocking their numbers and leave messages. This debt does not even show on my credit report. Need your help I feel I am getting scammed by this people. The harassment needs to stop. 

The original creditor contacted me when I was behind and I explained the situation at that time I was going through. After that the original creditor never contacted me.
I received a call regarding an amount due from a emergency room visit XXXX/XXXX/XXXX in XXXX XXXX. I was fully covered by insurance at the time of the visit, however since treatment records were not submitted to the insurance company as requested multiple times the claim was never paid. After three months of attempting to get the documentation sent to the insurance company the office has been uncooperative and has not sent the information so the claim can be paid out however is still threatening negative impact on my credit. The insurance requested information several times, the most recent on XXXX/XXXX/XXXX and received no response or compliance to request.
XXXX/XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Experian is blocking and choosing which credit accounts go on my personal profile and they are violating my rights under the Fair Credit Act