WillisBack/dataset-financial-user-claim huggingface dataset:
The California Service Bureau contacted me XXXX XXXX, 2015 to advise me of an alleged unpaid bill for {$34.00} ( Creditor " XXXX XXXX XXXX XXXX Region '' ). I responded to their XXXX XXXX, 2015 inquiry immediately asking what the charge was for, and who authorized them to attempt the collection. I called CSB and got them to provide contact information and proof of authorization. I 've now received a XXXX letter from CSB, notifying me that I have been charged interest ( {$1.00} ), I contacted the healthcare provider 's office and was given contact information for their Billing Office. The doctor 's billing office was unable to find any unpaid or past due bills relative to my name or account. CSB has not responded to my request that they provide specific information to me concerning the path of this questionable charge. To date, they have not supplied me any proof of this bill, or any proof of their legal assignment to collect alleged monies from me on behalf of their medical client.
RE : CARE CREDIT CARD, XXXX 2014 I had to have XXXX. dental work and the dentist office signed me up for a Care Credit Card for the {$8600.00}. bill. They said I would have no interest for a year promotion. To date I have paid $ XXXX balance and when I went to check statement, I found out that they accrued 12 months of interest for the entire year XXXXXXXXXXXX at 26.9 %! Putting my balance back up to {$8300.00}.!! I am shocked at this deception and of the {$3000.00}. I pd means nothing now. I read that there was a class action lawsuit about this, I called Care Credit and they were no help. I feel I have been unfairly taken advantage of and have no way to keep paying this dental debt as my pmts have increased as the entire balance back to near original amt! Please advise on how to get reimbursed via class action lawsuit. This was never explained to me, the dental girl said no interest for a year as a promotion special. I need advice quickly please.
I disputed this account several times. The company only verified the account. They did not validate that this account belongs to me
I am a card holder and have been one for some time. I have never experienced a problem until this month when one of your practices, obviously designed to deceive customers and trick them into late payments for which you receive additional fee benefits, caught me too.
The due date remains constant but cycle dates change which misrepresents when obligations are due and credited. My due date is the 6th. I made it on the 8th and you credited it to the month prior to the 6th and since I thought my payment was made I tendered no additional payments until I received a call notifying me my payment for XXXX was applied as an extra payment to a former cycle making me late. 

The customer service rep was nice and required me to make a double payment immediately. 

You should not be allowed to arbitrarily apply payments to enhance your fee income. I also believe the double payment was arbitrary, unnecessary and saddled me with an additional amount due, which I did, but it I believe it is overkill. 

I have had this care for a long time and have a balance now because I am doing some home improvements. I plan on paying it off in the next couple of months and will likely close out this relationship because of this unethical and possibly illegal practice. 

I will be sending this complaint to the Office of the Consumer Financial Protection Bureau in the hope that it will open an investigation and possibly to force you to return to fair credit practices. I also wonder how many other consumers have suffered because of this practice. 


Sincerely, XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau.
I have a large student loan now being serviced by Navient. When I first graduated from college they ( then XXXX XXXX ) had me go into forbearance twice instead of pushing me towards an income based payment plan. Once I got a better job, they had me start paying the loans off. I thought I was making a dent in the principal, but they had me in some weird interest only program. I was young and trying to figure this all out on my own, so I had no idea what was going on. For 3 years I was paying almost XXXX a month thinking I was getting my student debt down only to find out in year 4 that it was all for not. They cheated me out of a ton of money and here I am 9 years out of school with almost 9 years left of paying this loan off. These people are terrible and should be held accountable for their shady actions. They are stealing money from people and it makes no sense. I understand that I borrowed money and need to pay it back with some interest, but they way they conducted business is absolute fraud.
On XX/XX/XXXX an amount of {$720.00} was charged to my Citi Credit Card. The payment was rejected by the vendor, XXXX and the amount shows as pending on my credit card statement. I did not receive flight information from XXXX and they asked me to contact Citi Bank. Citi Bank still refuses to cancel the charge. 

Please assist. 

Thanks, XXXX XXXX
Company - North Shore Agency attempting to collect for a non renewed subscription to XXXX XXXX.
I have received a letter dated XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. These attorneys are not licensed by the Louisiana state bar. The letter states that I should pay them {$5600.00} for a XXXX XXXX account. XXXX XXXX said their client is Portfolio recovery and all payments should be given to XXXX XXXX. 

The account in question ending in XXXX was already disputed to portfolio. A dispute has been sent to XXXX XXXX also. The dispute points are. 

The account was closed in XX/XX/XXXX due to non payment. This account is outside Louisiana statute of limitations for them to harass me to suit. 

Portfolio and XXXX XXXX both state that I owe a balance of {$5600.00}. I have a statement from XXXX and on my credit report stating the outstanding balance is {$5700.00} Also I have a letter dated XX/XX/XXXX stating this account was a loan. It is showing on portfolio and XXXX XXXX that it is a credit card. 

Due to these many issues portfolio and XXXX XXXX need to cease collecting efforts as well as delete the trade line for collection on my credit report.
Dear Sir/Madam, My mortgage was recently sold off to Central Mortgage Company. I received a threatening letter from Central Mortgage on XXXX XXXX stating they did not have the required proof of insurance coverage on our home. If I did not take immediate action, they said they would purchase the required insurance and that I would be responsible for the bill. When Ispoke to their representative on Tuesday, they told me that I had 30 to 45 days to provide them with the proof of insurance. 

I had my current insurance carrier ( XXXX XXXX ) fax them the requested insurance binder immediately on XXXX XXXX. I called them again this morning and they have no records of the insurance policy from either myself or from the Mortgage Banker that refinanced our home ( XXXX XXXX ). A recent XXXX search has revealed a staggering number of complaints of fraud and predatory lending practices from this company. 

When I reviewed my loan info online this morning I found a {$6600.00} charge on my escrow account for a Force Placed Fire insurance policy from their friends at XXXX XXXX XXXX. My escrow account balance is now negative. This new insurance policy is over XXXX times the cost of our current insurance policy. Talk about a scam. 

I am trying in good faith to rectify this situation but it has not worked. I am setup for auto-payment from my checking account and I have no idea how much they are going to take out of my checking account to pay for this redundant homeowners insurance policy. How can you help us with this problem? 

Thanks, XXXX
I sold my home. The attorney deposited my proceeds into my bank account at Wells Fargo on XX/XX/2018. Today is XX/XX/2018 and my funds are still not available. I contacted Wells Fargo last Thursday XX/XX/2018 regarding the hold they placed on my funds. I was told the hold would be withdrawn and the funds would be available in a day. When the funds did not become available, I contacted the bank again. 

I am now told it will be tomorrow XX/XX/2018. While I understand a hold on a large deposit, I feel from XX/XX/XXXX until XX/XX/XXXX is beyond reasonable. The money deposited was from an attorney who distributed the money at my home closing. I am purchasing a home and need the funds. Hopefully, the money will be in my account tomorrow - XX/XX/XXXX - but I would appreciate someone looking into this matter. I have been a long time very good customer of Wells Fargo and I do not appreciate what feels like their denial of my money. 

Thank you.
On XX/XX/2018 I filed a dispute with mainly Experian and XXXX XXXX disputing the student loan listed on my credit report. Originally, it was listed as XXXX XXXX, then XXXX XXXX was changed to XXXX. XXXX can not prove that I owe this money and I never took out a student loan with XXXX. I therefore requested it be removed from my credit report. If they had been able to prove it, they would have taken me to court, which they havent. They have listed these loans as in default and are negatively affecting my credit rating. Im asking that mainly Experian be investigated for fraudulently listing this on my credit report despite it all being heresay. 
Thank you
experianXXXX XXXX XXXXaccount show collection/charge off ( should be unknown with a XXXX balance ) account was included in chapter XXXX bankruptcy filed XX/XX/2015
Portfolio Recovery Associates Llc is trying to sue me for a debt which I do not have proof I owe and they are not licensed in my state ( Arkansas ) to sue for this debt.
Bank of America sent me a promotional offer of 0 % APR until XX/XX/2018. I called in to enroll in the promotional offer but was told by Bank of America customer service representatives that the offer only applies to balance transfers. The offer itself does not even mention balance transfers. 

The offer states : " OFFER 1 - LOWER RATE - 0 % ( O % Daily Periodic Rate ( DPR ) ) Promotional APR until XX/XX/2018. Use offer XXXX or use red check number XXXX.
When my ex husband kicked me out of his house i lost all my personal information and he would n't give it to me and told me he could't find it. Then after a month i started getting att phone bills in my name and i never opened a att phone account.
Ditech allows mortgage consumers to make biweekly. I have for 7 months been making biweekly payments and they are NEVER applied correctly. The extra funds are not being applied to the principal as indicated on the biweekly application. Every month I get notices that I am behind because my payments are held in suspense. This month XXXX XXXX I get a call that my payment is 27 days past due. WHY? because once again the payment has been posted incorrectly. I have spoken to manager after manage and they cant get it right. I have been told that their system can not handle biweekly payments, SO WHY OFFER THEM THEN? I have been attached late fees almost every month. No one at the company can get it right. Enough is Enough. This company is a scam and incompetent. Every person that you speak to has no idea of ANYTHING!!
Until approximately 2 years ago I believed that in XXXX of XXXX. I had purchased a manufactured home on a lot that would qualify for FHA financing. I was forced to stop making in payments in XXXX XXXX because of a job loss. After several years of trying to figure out why B o A refused to assist me with my very deeply underwater mortgage, I filed suit against Major Mortgage with B of A as successor in interest for appraisal fraud when I discovered that my house had been moved from where it had previously been lived in ( in violation of XXXX underwriting guidelines ) and that the appraisal was fraudulent. Several investigational activities were conducted and it was later discovered that the original title report was performed only on the lot and did not include the house. This issue was not part of my original suit. Additionally, I discovered that the State of Nevada performed an investigation in XXXX and determined that Trust # XXXX with XXXX XXXX, and XXXX and XXXX XXXX XXXX as beneficiaries did not own the house. They in fact never owned the house as claimed at the time of the alleged " sale '' to me. This issue caused the State of Nevada to have XXXX XXXX hire XXXX XXXX XXXX XXXX to find out who the actual owner of the house was at the time of sale in XXXX of XXXX. This was required so that the state of Nevada could complete the process of converting the property together with the home as real property. I was never notified of this investigation. 
On XXXX XXXX, XXXX the State of Nevada Department XXXX issued an Erasure Affidavit stating that " ... XXXX was not the owner '' as the house had been repossessed. '' It seams that a XXXX XXXX XXXX XXXX was still the owner of record with XXXX XXXX as lien holder. This remained the case until XXXX of XXXX when title to the double wide was finally transferred to me. This appears to be a clear violation of XXXX rule stating that the " ... sale of a property must be from the owner of record and that the transaction must not involve any sale or assignment of the sales contract. '' Bank of AmericaXXXX Foreclosure Services filed a Notice of Default on XXXX XXXX XXXX against a mortgage contract that does not exist due to the fraud committed by the seller and as per XXXX XXXX regarding the voiding of conveyances made to defraud prior or subsequent purchasers of real estate. The filing of the NOD as well as the fact that they are ignoring my Notice of Rescission ( based on the lack of legal conveyance of the title to the house at time of " sale '' -- you ca n't legally sell a house you do n't own ) dated XXXX XXXX, XXXX is a clear indication that B of A and XXXX have no regard for the law and hope to profit against the frauds committed against me. 
Mediation was conducted in XXXX, XXXX XXXX XXXX XXXX, XXXX. The local attorney contracted by XXXX XXXX ( foreclosure mill ) the day before showed up without a copy of the appraisal and without the authority to negotiate anything, but with an utter disregard for the facts regarding this case.
On  XXXX   XXXX , a debt validation letter was sent t o Bull City Financial re questing validation of this debt allegedly owed. I 've also sent this thru cbr dispute. Bull city is inaccurately " verifying '' this info through them. I 've asked to receive a copy of original documents with my signature. As of  X/XX/17    bull city has failed to respond to my request. Instead on  X/XX/17    I received correspondence from aforementioned company with a bill also listed on an address I 've never lived at. I 've yet to receive any original documents as outlined in attachments. This continues to report to cbr and is not marked as in dispute as requested on letter either.
I took advantage of a no fee / no interest balance transfer promotion offered by USAA in XXXX XXXX. I have subsequently made the minimum monthly payments in order to maintain the interest free status of this transfer. On XXXX/XXXX/XXXX, I made an additional {$17.00} purchase on this card. Since that time, I 'm being charged interest on this purchase, despite the fact that I continue to make the minimum payments. I called USAA to inquire if I needed to pay an additional {$17.00} on top of the minimum payment to avoid future interest charges and was told that the minimum payment would avoid future interest charges. I was charged interest again on the subsequent statement and am now being told by USAA that I will continue to incur interest on this charge until the entire balance ( including the interest free balance transfer ) is repaid. I contacted USAA and requested that they either waive the interest going forward or provide a credit to my account in respect of the interest being charged. Despite a 27 year relationship with USAA, they have told me they do not have the authority to make this change and I will continue to incur interest on the purchase until the interest free balance is first paid in full.
XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX/XXXX  XXXX   Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX  XXXX XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX  XXXX Date Filed XX/XX/XXXX XXXX/XXXX  XXXX Date Filed XX/XX/XXXX XXXX XXXX  XXXX  Date Filed XX/XX/XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX XXXX CARD Date Filed XX/XX/XXXX XXXX XXXX  XXXX Date Filed XX/XX/XXXX XXXX  Date Filed XX/XX/XXXX 1.XXXX-1 Inquiry from XX/XX/XXXX 2.XXXX  XXXX Inquiry from XX/XX/XXXX 3.XXXX XXXX Inquiry from XX/XX/XXXX 4.XXXX Inquiry from XX/XX/XXXX 5.XXXX XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX Inquiry from XX/XX/XXXX 8. XXXX Inquiry from XX/XX/XXXX 9. XXXX Inquiry from XX/XX/XXXX 10.XXXX XXXX Inquiry from XX/XX/XXXX 11.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 12.XXXX XXXX Inquiry from XX/XX/XXXX 13.XXXX Inquiry from XX/XX/XXXX 14.XXXX XXXX Inquiry from XX/XX/XXXX 15. XXXX XXXX Inquiry from XX/XX/XXXX 16. XXXX Inquiry from XX/XX/XXXX 17. XXXX XXXX Inquiry from XX/XX/XXXX 18. XXXX XXXX Inquiry from XX/XX/XXXX I XXXX XXXX have contacted all 3 bureaus to have my credit inquiries for auto loans removed because the dealership I went to promised me they only ran my credit once with XXXX XXXX XXXX. Weeks later multiple credit inquiries started showing up after I signed the purchase agreement for XXXX XXXX XXXX. All 3 bureaus have refused to remove the inquiries multiple times. I have contacted many of these Auto loan companies and they have no record of me in their systems. Because of all these inquiries I have been denied mobile home loans and residence in mobile home parks. And this is a clear violation of the fair credit reporting act.
In XX/XX/XXXX I bought a new XXXX XXXX XXXX and it was financed with XXXX XXXX. Around XX/XX/XXXX I filed bankruptcy due to a separation of my marriage. I was told by my attorney to check my credit reports after filing to make sure everything was correct with my report. I noticed that my car loan was not being reported. I contacted XXXX XXXX in regards to not reporting on XX/XX/XXXX. I was told that since I filed bankruptcy XXXX XXXX will never report my paid perfect loan to the credit bureau. I was told that this is XXXX XXXX 's policy. I was also told to refinance my vehicle with another lender if I wanted credit. Please help this issue. I feel this is unfair business practices.
XXXX and Chase heavily advertised that any airline tickets purchased through XXXX would come with XXXX free checked bag. At check on, I was charged a {$25.00} baggage fee and was told by the person at the counter that this was just what happened. I anticipate that this will happen at each of the XXXX legs of the particular trip.
My mortgage company, OCWEN Loan servicing, tried to foreclose after approving me for a modification of my loan. They contacted the bankruptcy court stating they had not received any payments on my behalf when in fact I sent my trial payment for XX/XX/XXXX on XXXX/XXXX/XXXX. I provided their attorney with print outs from their Webb site with payment verification and therefore their attorney had to withdraw his motion. This resulting in my bankruptcy judge approving my modification later on XXXX/XXXX/XXXX. My mortgage company went back and back-dated my payment history in my record showing a motion to relief stay filed on XXXX/XXXX/XXXX. By this date the mortgage company received payment amount $ XXXX.for XX/XX/XXXX from me., {$240.00} from trustee in XX/XX/XXXX, {$240.00} from trustee in XX/XX/XXXX, {$240.00} in XX/XX/XXXX from trustee, and XXXX {$340.00} from me. I spoke with several relationship mgrs for my account whom assured me all payment would be applied to current mortgage. Now their saying I 'm 3 months behind and sent me a reinstate quote, via email. can someone please help.
This debt was paid XXXX XXXX. 2015 and they will not take it off my credit report after disputing this over and over.This is with USCB
I am a XXXX XXXX XXXX that was XXXX XXXX XXXX on my site XXXX and XXXX. I was using PayPal check out. About the end of XX/XX/XXXXbeginning of XX/XX/XXXX I was given a {$3000.00} dollar credit limit with PayPal and I did not ask for this I though this was from my sold items on my web sites.
The interest when this loan started was 0 interest for 1 year and 70 % of the charges on this loan are not even a year old. I made close to {$2500.00} dollars in charges that started around XX/XX/XXXX. It seems that they held there end of the terms of 0 interest for one year for only 6 months. Then I noticed after paying PayPal back up to XX/XX/XXXX that my balance was not going down. This is when I contacted the company and asked why my balance not going down with a balance due of {$64.00} dollars a month and paying over {$100.00} dollars a month for the last year how am I occurring interest charges. At first I noticed this was not interest charges it was all late fee 's of {$35.00} dollars a month for the last year and my payments were always on time with the payment due by the second of each month my payments were sent by US mail to PayPal Credit XXXX XXXX XXXX XXXX Georgia.
Sent out with a money order by the XXXX of each month. I called PayPal Back in XX/XX/XXXXand raised this concern as to why is this payments not going down. They showed me my invoices and I seen that there was a {$35.00} dollars late fee on all of my invoices for the last year with no notification by paperless statements to my email on file XXXX. I received just an email saying we received your payment and your statement is ready. I have contacted them and they said back in XX/XX/XXXX they could only remove all my late fees for the last 180 days that 's 6 months then they said no it is 3 months and we will give you a {$100.00} dollar credit that 's it. I gave up fighting and realized I was scammed.
Now after contacting them today XX/XX/XXXX I noticed that they hid the late fees in my account said they gave me a {$100.00} dollars credit and are now charging me an {$80.00} dollar a month interest fee each month that is insane. They have also charged me another late fee of XXXX dollars for XXXX when the payment for XX/XX/XXXX they said they did not receive until XX/XX/XXXX. They are doing this on purpose so that I have all of these interest charges on the {$2300.00} dollars I owe them and I will be in debit forever with these people.
This is wrong and I want something done please.
I am reporting this also to the Federal Trade commission.
Regards XX/XX/XXXX
There are currently three inquiries on my Experian credit report that was suppose to be removed per the official Experian website. Per the Fair Credit Reporting Act. These inquiries are suppose to stay on my credit report for two years ( 24 months ) still on my credit report. 

XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX
I sent a certfied letter to the company XX/XX/2018 I Have Notified This Company By Certified Mail They Responded Back By USPS With A Letter Stating They We Unable To Locate Any Acct For Me ...
I was advised by XXXX XXXX at omni mortgage that he could doing my mortgage and after 6+months and tons of personal documents and all, there is no information or whereabouts where my documents are. There is a big concern on how they do business and XXXX XXXX uncle who owns Omni Mortgage XXXX has not reached out to me after numerous calls to him and their staff XXXX. 
I 'm filing a complaint with the attorney general as well.