WillisBack/dataset-financial-user-claim huggingface dataset:
I was contacted once by an associate ( XXXX ) at " XXXX XXXX XXXX XXXX '' office by a voicemail on XXXX XXXX, XXXX about an outstanding balance from an appointment I had at their office on XXXX XXXX, XXXX. He stated that I needed to contact him immediately because the account would go into a collection in 10 days. ( I still have records of this voicemail ). I returned the call and the associate at the office informed me that I had an outstanding bill, and I informed him that I was under my XXXX medical insurance through " XXXX XXXX '', which " XXXX XXXX '' office informed me that they accepted when I set up my appointment via telephone, so this outstanding bill was news to me. The associate proceeded to tell me that if I can email him a copy of my insurance card then he would take care of it and that the cost of the appointment should be covered under my health insurance. When on the phone with the associate I asked him how would I know if the account would be fully covered by the insurance and not go into collections. He told me that under my health care plan by XXXX XXXX, it should be covered. He said if there were any other problems and if he needed any other information from me then he would contact me. I sent him my email on XXXX XXXX, XXXX with a copy of my insurance card. I was unaware of this outstanding bill because when I had the appointment on XXXX XXXX, XXXX, I could not proceed with the procedure without paying the initial {$130.00} consultation fee ahead of the procedure fee which the insurance did not pay for and, I, in turn, paid for the cost of the procedure myself which was {$250.00} ; however, XXXX XXXX was the first time I was being contacted about an unpaid bill. After I sent the email with a copy of my health insurance card I never received an email or call from the associate, therefore ; I assumed that everything was taken care of. I was working at a XXXX at the time and had very limited access to phone and the internet so I was unable to follow up with the associate myself ; however, I still did not receive a follow-up phone call or email from the associate. 

This bill is new to me and is an error on the part of the medical office and " XXXX XXXX ''. As I checked my credit score on XXXX on XXXX XXXX, XXXX, I see that my credit score provided by Equifax has dropped by XXXX points. As a look further to inquire why this happened I see a report indicating that I have an account that has gone into collection, - the debt collector is " CREDITOR CLAIMS OF XXXX XXXX '' and the original creditor is " XXXX XXXX XXXX XXXX '' for the amount of {$130.00}. This is the first time I am finding out that the account has gone into collections as I had not been informed about it since my communication with the associate ( XXXX ) from XXXX XXXX 's office back in XXXX XXXX which I was given the impression was no longer an issue and taken care of back in XXXX XXXX following me providing them with an email of my health insurance card.
I noticed a debt on my credit report that was discharged in a chapter XXXX bankruptcy in XXXX of 2015. The debt has since gone to three different collection agencies. XXXX XXXX XXXX XXXX ( Original Creditor ) sold or placed the account after my bankruptcy. XXXX was very aware of my bankruptcy. ( See case no XXXX filed in United States Bankruptcy Court XXXX XXXX of California ) All of the other debt collectors that put the discharged debt on my credit report removed the debt without question. IQ Data ( new collection agency ) stated that they will not remove the debt. I provided them the case number yet they still refused. After doing a simple XXXX search, I found that this is common practice for IQ Data. I have now sent in a dispute and demand letter to IQ and all the credit reporting agencies demanding removal. I have also retained counsel to file a lawsuit against all parties.
Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.
XXXX found identity theft occurred. An Investigation Letter will be mailed to me showing the charges made under my name and SS were fraudulent. 
I will receive a Fact Act request in the mail to fill out to obtain the details of the identity theft. 
Details of fraud. Account opened XXXX XXXX online using my social security number for purchases totaling {$920.00} under the edge program. Under the edge program items are billed to the recipient. The goods consisted of XXXX 5s iPhones and other merchandise. 
The merchandise was delivered to an address in my City and signed for. 
The unpaid items were turned into the credit card reporting agencies as delinquent XXXX XXXX 2015 for {$920.00}.
This account was closed by me in the year 2009 it is over 7 years old.. It has a {$0.00} balance I have disputed it several time to be removed from my credit history ... Saying it is past 7 years and a {$0.00} balance and they still will not remove the account. Something need to be done please. 
They are doing this with multiple account on my credit history.. This is just few example. Another is : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Closed in 2009 XXXX Closed in 2009
I recently filed a complaint regarding this company and the way they handled the decrease of my credit line. I contacted them regarding mishandled payments on my account by the bill pay company and they did not inform me that they were going to lower my credit limit even though they refunded the late fee. I could have provided information from the bill pay company to support my claim that this was their error and not mine. I had 9 months of no missed or late payments. I contacted the credit card companiy 's service department where I was told the account was open and not closed. When I filed my complaint, they closed the account.
Last year, we were looking for apartments and homes and several realtors requested my credit score or looked it up. However, I do not recognize any of the inquiring companies, and it seems odd one of them is located in California while I live in New Jersey. The company info is as follows : Credco XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX The inquiry is from XX/XX/2017. 

XXXX XXXX made two inquiries, one on XX/XX/2017, and the other on XX/XX/2017. Their information is below : XXXX, PA XXXX ( XXXX ) XXXX-XXXX
Ally Bank unilaterally closed my checking acct on XXXX XXXX without any notice. They falsely claimed that they sent notification via mail to my home address and to my attorney. Neither of us received any such notification. They claimed that they sent an email notice. I did received a message on my email that I needed to log into my account ( XXXX ) for correspondence. When I did, there was no notice -- just a blank page. I should note that my attorney, did call and email XXXX attorneys at Ally, including a XXXX XXXX their General counsel and a XXXX XXXX. He and XXXX XXXX refused to respond. Neither could they demonstrate that they actually sent any letters. 
Ally Bank has demonstrated a persistent inability to provide basis customer service. Reps re incompetent and frequently refuse to connect this customer ( and others ) to supervisors who sometimes can resolve problems and frequently they can not. They then refuse to connect the customer to Managers. I did write a complaint to the President of the company and received a pro forma letter several weeks later which did not address the problem. In XXXX, my acct was overdraw by just {$6.00} for several days until my social security benefit was paid to my acct. I did not dispute the {$9.00} overdraft charge. Earlier, I noted to one supervisor, XXXX, that I would start to look for a new bank, but she insisted " we want to keep you as a customer, and we will do our best to improve. ". 

On XXXX XXXX, I found that the account had been closed. Only at my urging did they refund the balance to me of {$160.00} WHICH SHOWED THAT THE ACCOUNT WAS FULLY FUNDED. 

I have now found that Ally Bank, at the urging of one person, in particular, XXXX XXXX, an Executive Resolution Specialist, closed the account, When I spoke with him over the phone on or about XXXX XXXX, he was demeaning and attacking and made clear that he was retaliating for my complaints. Ally filed complaints with XXXX, XXXX, XXXX and XXXX as retaliation. I should note that I never borrowed any monies from the bank. 
I would like the CFPB to force Ally to remove the negative reports, immediately and take whatever action against Ally that it can. 
XXXX XXXX Acct Number XXXX. 
XXXX XXXX XXXX # XXXX XXXX, MD XXXX XXXX
onemain fin co. put a loan debt on my credit report for $ XXXX.and said that the original creditor was spring leaf, onemain is useing the account number-XXXX in the amount of $ XXXX.spring leaf was paid under account number XXXX-in the amount of $ XXXX.date XX/XX/XXXX.now that it is on the dater basic of the c.f.p.b. and the XXXX under the same number, which the bureau will get a copy of. by  staying on my XXXX  and XXXX  credit report you are aware of the fact that you are breaking the law.of the F.T.C. Fair Reporting Act. By reporting False information.I do not owe you.
I have had a XXXX XXXX XXXX for years, according to XXXX since XXXX. 
Although my account has had varying credit limits, the company resolved higher credit limit accounts to {$500.00} ( including my XXXX credit card ) when the restructured about 5 years ago. 
Recently, I received a letter in the mail dated XX/XX/XXXX from XXXX which states that my credit limit was increased to {$800.00} effective immediately. 
I have NOT, however, seen the credit limit increase when I view my account online. 
I have contacted XXXX by e-mail regarding this issue, with a response that my credit limit was {$500.00} not {$800.00}. Today ( XX/XX/XXXX ) I spoke with a XXXX   representative ( XXXX ) who confirmed that my credit limit is {$500.00} and told me that the XX/XX/XXXX letter " must have been a mistake ''. 
I explained to XXXX ( the XXXX representative ) that I believe his response was incorrect and possibly illegal, because banks and other financial institutions are bound by strict financial laws. 
Despite my protest, my XXXX XXXX credit limit is {$500.00}. 
I would like my XXXX  XXXX credit limit to be officially increased to {$800.00} as indicated in the XX/XX/XXXX letter
This is the letter I sent to CPA with no response. It explains the negligent actions taken by the debt collector. I would appreciate my name being cleared or restitution being made for the adverse effects this has on my finances " I received a letter about a collection being made for XXXX XXXX. It was actually for my roommate, but the account was in my name, so that was not your fault. The letter threatened to report to the credit bureau if I did not pay or set up a payment plan. Not wanting the hit on my credit, I decide it 's just best to take care of it myself. I call about setting up a payment plan, and am told it can only be divided into 2 payments. So I pay the first and set up to pay the second in a months time. I am told that I have complied with all requests, and as long as I make my final payment, there would be no more action taken. About a week later I relieve a letter saying that my remaining balance has been reported to the credit agencies. I confirm on a credit site, and sure enough, my credit has taken a huge hit due to this. I am in the market for a car and house and this has set me back an immeasurable amount. I believe, at the very least, the rest of my debt should be forgiven, and I would like a formal notice sent to the credit agencies that you reported to. If that repairs my credit to the previous state, I would consider the matter resolves. But such a hit to my credit would take an extremely long time to repair as well as costing me thousands of dollars. I complied with every request of yours and was still adversely affected. I would really like for you to make restitution on this matter as I do not want to have to contact further agencies about the matter. I do not believe honest business tactics were used and I will take every avenue I can to right this injustice. Thank you for your time, and I look forward to hearing from you soon. "
I am no longer in school, I am now in repayment. I called my lender about a repayment plan because they say on the website that if you 're having troubles repaying, call this number. I talked to the CS rep and she basically told me that I could n't get any repayment plan, even though I 've told her that I 'm experiencing hardships, because my co-signer may not be. When I told her that they were having troubles as well, she responded with, " we do n't know that. '' Why would I lie about something like this? I want to be rid of these people as soon as possible. This is the only lender who even brings the co-signer into the equation. 
First off, I did n't even sign a loan with them, because I know how they treat their customers and I did n't want to be stuck with them, but it was sold to them anyway. Then I asked her about repayment and the first words out of her mouth was you can try consolidation because we ca n't offer any long term forbearance options. I was n't even asking for long term options, I only needed about three months! I understand that they are n't governed by Federal laws but to completely ignore the needs of your customers is simply wrong. I would like to know how I can get my loan transferred somewhere else or learn of the regulations of private loan lenders because I feel that they are n't doing the very best that they can to help their customers.
Back in XXXX I had an issue with a freeze on out in my report years ago. I could not remember the code to unlock it so I had to fax my drivers license and a utility bill. After 8 faxes I finally was told the freeze would be lifted and the XXXX XXXX removed. Now I call to ask why they have items over 7 to 12 years old still on my report and they tell me there is a freeze on my account. Apparently they never updated the account and only preserved the first fax that they say was unclear. This. Implant is so incompetent that they couldnt even generate security questions. I had the same issue with XXXX and XXXX  and it was no problem to generate security questions. I cant get an auto kaon because of the freeze and Transunion does not do anything they say. They LIE! 
I have no utilities in my name. They are in my moms name.
As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. 

Bank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. 

Bank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. 

Bank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. 

Bank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. 

Bank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices.
A collection company by the name of CMRE ( phone number : XXXX and email : XXXX ) has mailed me a letter dated XX/XX/2019, stating that I owe {$5.00} to XXXX XXXX XXXX. 

I dont know anything about this debt neither have I ever received a letter regarding that debt. 

Obviously, I want to find out what is it? 
You might thing it's simple, and that i just call or email this company and they will explain it to me. 
NO!!!! 
I have tried calling them many times, no live person ever picks up the phone. I have left voice mails. i have emailed them, even threatening to sue them if someone from their office does not return my calls or respond to my email. 

So far, no one has contacted me in any way or form. 

I have a fico score of 780+ which i have worked hard to attain in the past 10 years. 
This collection attempt could ruin it and greatly damage my credit worthiness and my financial future. 
I am asking for your help to contact these people and have them contact me so we can settle this issue. 

I have also done the same with XXXX XXXX XXXX, calling and emailing. Same exact issue. No one has contacted me, no one has responded to my voice mail messages and email. I only received an " Auto Reply '' from them ( XXXX XXXX XXXX ), which was never followed up on by a live person. 
I am in a delima and need your help. 

Thank you very much XXXX XXXX
Bank of America ( BofA ) is in conspiracy with XXXX XXXX  located in XXXX XXXX CA and XXXX XXXX XXXX ( XXXX ) located in XXXX, CA. The XXXX extortionists companies filed Notice of Default ( NOD ) without notifying my family last year XX/XX/XXXX, our home is in foreclosure and they set an auction date on XX/XX/XXXX, so they are involved in predatory lending/debt collection. Our home loan was modified in XX/XX/XXXX and our mortgage payments are current with XXXX, which is BofA 's financial partner, so we are not aware of this 2nd loan from BofA,  XXXX XXXX XXXX. They are harassing my family to take our home by foreclosure and high pressuring us to make $ XXXX down payment on XX/XX/XXXX and starting XX/XX/XXXX $ XXXX monthly payments for 6 years and repay $ XXXX in lumpsum payment after 6 yrs of repaying their collection billing/repayment plan. Our family is suffering from severe financial hardship because we are a one-paycheck household, my husband, who is the primary borrower, is unemployed. We have XXXX school age children and I have very expensive healthcare expenses because I have XXXX XXXX.
On this date ( XX/XX/17 ), I went to each of the three credit reporting agencies and applied to freeze my credit reports. I was able to freeze my XXXX XXXX XXXX reports, and when I tried to do so with TransUnion, they guided me through the process on-line, but, somehow, they signed me up for " Credit Report Monitoring '', not simply freezing my credit report, and I was charged {$20.00} for this " service ''. At no time during the process was I advised that I was applying for credit monitoring and nowhere did they indicate that I was being charged. I was asked for my credit card information, however, I assumed it was for confirmation of identity. At the end of the process I was simply sent an e-mail indicating that I was charged {$20.00}. The website is set up in a deceiving way, and they fail to disclose that the " application '' is for credit monitoring and that there is a charge for this service. I do not want credit monitoring, and only wish to freeze release of my credit report. 

I have been on hold with the company for 30 minutes already, and no one has yet helped me, and there is no means of contacting customer service online.
i requested a re-investigation of the bankruptcy on my credit report and was told that it was verified through XXXX. XXXX only shows the last XXXX of a social security number. I also verified this through the bankruptcy court, in order to make sure that the information is ie : the correct full social security number, is to request a court order through the Bankruptcy court, which was not done, and that is where the error is. FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of reinvestigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available XXXX reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third party source such as XXXX or XXXX XXXX
I am a first time buyer when it comes to purchasing a car loan. I did n't have that much knowledge but I was interested in a 2008 Chevy Malibu. I purchased the car through AUTONATION of XXXX XXXX and began paying my carnote. I started doin my research and started realizing I was in a upside down loan. Once I told family members where I purchased my car and the price I was paying, their reaction made me do my research to find out what I had gotten my-self into. It had high miles, also my APR was 27 %, with the car depreciating throughout the time I have had the car I am paying {$13000.00} dollars on a car that 's only worth {$3000.00} dollars so that means I am upside down by XXXX or XXXX XXXX. In due time I called my finance bank XXXX AMERICAN CREDIT ACCEPTANCE XXXX and told them that I do n't like the idea of starting out in a upside car loan and I requested that the car can be picked up for voluntary repossession and I did stop making payments on the vehicle. Finance bank asked if I would like to settle and I replied yes because that would be a better option then having a voluntary repo on my credit so I told them that I went to XXXX and had the value looked at, I told them the car is only worth {$3000.00} and they stated that it 's not and they only can approve it for {$6000.00} to settle. So I am forced to turn the car in because I do n't have that kind of money laying around and I definitely wasnt meeting the requirements of selling the car to a private party. It was brought with fair cosmetic damage, over XXXX miles, and other little mechanic issues, after sometime I would see puddles of water inside trunk, signal indicators was defected and etc. The most I can sell the car for is {$4500.00} even though that is a fairy-tale price I stated that to the finance company they did n't want to help, and the manager was being nasty telling me it 's either I pay the {$6000.00} dollars or I surrender the vehicle it put me in a bad position. I was swindled into this car deal as a first time buyer. I feel like I was overcharged for a vehicle that will not be worth anything before the year is out. So I am forced to turn the vehicle in because I am out of options.
Capitol One double charge me interest. I paid my account balance in full, and in their own words they used the interest from the last two months to charge me new interest. I have the screen shots of the conversation to back this up. This violates the CARD Act.
I noticed a negative account on my credit report from Bank of America for {$1700.00}. I sent BOA a debt validation request letter on XX/XX/XXXX which they did receive on XX/XX/XXXX @ XXXX. It is now XX/XX/XXXX & BOA has chosen to ignore this letter. They have NOT responded. I want this deleted from my credit reports Immediately & for them to cease. This is not my debt.