WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter from XXXX XXXX XXXX in XXXX XXXX telling me I owed {$25.00} to XXXX. I responded with a letter on XXXX/XXXX/XXXX explaining that I did not recognize this and asked that they send me a copy of the original receipt that explained what it was for. 

I received a letter back from Aargon Collection Agency with summary information from XXXX showing a {$120.00} charge back on XXXX/XXXX/XXXX for " XXXX ''. My name was not on this summary and the health information for XXXX XXXX Washington that was listed did not match my policy # or Group #. In fact, I was not insured by XXXX until XXXX/XXXX/XXXX, so this could n't have been my debt even if the policy and group numbers had been correct. 
I called and talked to XXXX at Aargon and explained that this was not my debt, that my name was not listed on the bill and the policy and group numbers did not match mine. He told me that he hears this all the time and that all indications are that this was my bill. He said that it was n't affecting my credit rating yet, but implied that if I did n't pay it, it would. When I insisted that this was n't my debt, he told me that I would need to file an Identify Theft Report with my local police department and send him the file number, then they could reference it in his file. 
None of this sounds right. I ca n't believe that they can press me to pay a bill that is in no way connected to me.
Chase had made no attempt to modify my loan. Was even laughed at ( yes-in person at the bank! ) when I asked to have my loan modified. Since, I have had increased fees and even accusations of fraud with demand for replacement and service fees. A second attempt was made last year - they refused. I did NOT pick the mortgage company-the loan was sold back in 2010.
We believe that Watermark has violated the Loan Estimate that they gave us, and we need your help to get our money back. 

We recently used XXXX XXXX XXXX to finance our purchase of our current residence. Our official loan estimate ( formerly called a good faith estimate ) said that we would receive a {$1400.00} lender credit to offset the {$1400.00} origination charge on our loan. However, we only received a {$620.00} lender credit. The difference was attributed to a charge for a rate lock that we do n't believe should have been issued ( explained below ). 

We purposely scheduled closing on XXXX XXXX, 2017 to avoid any rate lock costs ( we provided paperwork to them confirming this - it actually involved a formal change to our purchase agreement ). A few days before closing, and after our financing contingency expired, Watermark said that because they had made a mistake on the closing disclosures, they would have to resend the closing disclosures, and in order for them to sell the loan to XXXX, that necessitated a four day wait between sending revised closing disclosures and closing, meaning that they needed us to close on XX/XX/XXXX, rather than XX/XX/XXXX. Watermark then charged us {$870.00} for a rate lock for the extra day. We do n't believe that we should have to pay for this because A ) both us as the buyer and the seller were ready to settle on the XX/XX/XXXX B ) the change in date was for Watermark 's benefit ( so they could sell the loan ) and C ) the need was due to their error. We raised this issue at the time, but Watermark said that they could n't change it in time for closing ( which was just a few days away ). 

We previously tried working with Watermark through the Better Business Bureau ( https : XXXX? section=complaints ), but they blew us off. Looking at the other consumer complaints, it looks like this has happened to other customers of theirs. 

Thank you for your help.
Hi, On XX/XX/2017 Bank of America send a wire transfer on my behalf in the amount of {$11000.00} to XXXX XXXX, a bank in XXXX. The recipient name in XXXX is XXXX XXXX. I spoke with XXXX XXXX on numerous occasions and he said that the money has not been received since XX/XX/XXXX of last year. I then asked Bank of America to recall the money since XX/XX/2017 and they have not been able to retrieve the money from XXXX XXXX in XXXX. The Case # at Bank of America is XXXX. I have exhausted every avenue in trying to get the money refunded back to my account since XX/XX/XXXX of last year. I spoke with a representative at Bank of America, they said the money was first send to XXXX XXXX, then to XXXX XXXX in XXXX. The recipient said he never received the money. So who has the money,, XXXX XXXX or XXXX XXXX? This is a huge some amount of money and I can not afford to loose it. Please help me retrieve the money. 

Thanks for your help.
Called XXXX medical center to make payment arrangements on a bill that I owed. Payments were set at {$25.00} a mnth. The last payment I paid was XXXX/XXXX/15. I got a letter in the mail on XXXX/XXXX/15 from National recovery agency stating that my account was forwarded to this office for collections. I got no notice of this and could n't understand why I was sent to collections when I pay on my bill. I owe XXXX on my bill and they want to divide it up into 3mnths. and also charge me XXXX fee. I told them I could make the {$25.00} payment but they cant accept that. Plus I 'm not paying a fee. XXXX should pay the fee since they sent my account there for no apparent reason.
Freezing my credit needs to be free. Credit monitoring is no longer an effective solution after the equifax breach.
XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.
I am currently being sued by LVNV Funding. I received a summons on XXXX XXXX, 2017 stating that I owed {$1200.00} and should appear in court on XXXX XXXX, XXXX. I immediately called the attorney 's office representing the case ( XXXX XXXX XXXX ), stating that I had no knowledge of this account therefore, I am disputing it. I let them know that I was willing to reach a reasonable settlement if they could send me proof that I owe the debt and if they could prove that they have the authority to collect. I was told that they would investigate and get back to me. I never heard from them. I appeared in court, the case was continued, still no verification. I appeared again and a trial date was set, still no verification. Three months after my initial request, at XX/XX/XXXX, I finally received copies of statements and an incomplete assignment contract ( a one-page document stating that my account was part of a group purchase " Exhibit A '' ). On XXXX XXXX, 2017, I sent, via certified mail, a request for a copy of the complete assignment contract stating specifically the owed amount, that my specific account was sold to LVNV and that they had the authority to collect those funds. After several attempts to obtain the required information, I still do not have the requested information. I have also made several attempts to settle the account even though I do n't agree with the amount that they say I owe and I do n't have proper verification. Each time I called XXXX XXXX XXXX, the attorney 's office added on additional fees to the initial amount they said I owed. One of their reps said that I would need to add on {$170.00}. Another rep stated that I needed to add on an additional {$300.00} to the initial amount of {$1200.00} they said I owe and pay that before the case can be dismissed. I believe that LVNV has violated the FDCPA by ( 1 ) asking me to pay more than supposedly owed, ( 2 ) failing to send written debt validation notice, ( 3 ) failing to send proper verification of debt, and ( 4 ) continuing to collect on a debt before providing verification. They should not be allowed to conduct  business in this manner.
Ally is saying that i have multiple payments missing from 30-90 days past due. My payment was not past due, I made what they call an " extension '' to change payment times. every time in my requests there representatives in the calls were always assuring about the effects of the request. never was there a mention of a late payment resulting in the process. Now im even experiencing my account payments being at there competition, while the company is still seeing to mark my account as such. even going as far as to reporting i have {$11.00} remaining to pay on my account.
At the time of account opening {$200.00} bonus was offered for opening an account with new money. Now the bank is refusing to pay the {$200.00} bonus as apparently finer prints said if I have an existing saving product then it does not qualify. This is mis-leading and deceptive advertising as the finer prints were not placed in a manner that the consumer can see it. 
I would not have opened the account if the disclosure was properly made. 

I think the bank need to credit my account for the original offer as they misled me by deceptive advertising.
I found an unauthorized charge in delinquent status on my credit report. It was from a credit card that I have never used, but had the account open ( online nor the card itself  ). I disputed it on  XXXX  Dispute and  reported back that the information on the report is accurate. I am unsure what that means, and have not been able to reach out. I called the credit card company,  XXXX , and told customer service that the charge on that account was fraudule nt (   XXXX  charge for  XXXX   ), s o she turned off the account and anyone authorized users, and marked the transactions as fraudulent.
This account is reporting as a collection when i paid this balance off before it went into collections. But on my experian report it is showing a collections account.
The MACY 's collections department ( XXXX ) sends automated calls to our office 2-3 times a day asking to speak to their customer with a " personal business matter. '' No one in this office has a MACY 's account or even shops there. 

After returning their calls, collection agents were asked to stop calling this number as the person that registered their account with our phone number can not be reached here. 

Their automated calls have continued for a week after being asked to stop.
Date : XX/X/17 Time : XXXX Amount Due : {$470.00} + {$19.00} interest/fees I called to formally dispute a charge. The man asked for my account number which I provided then asked my why I was disputing the charge. I said I have contacted XXXX XXXX and clarified with them that my insurance company is still waiting on medical records from them to process the claim associated with this bill. He then told me that that was not a valid reason and it 's almost been one year since the incident. ( It 's been 9 months in which I have records of consistent communication with the hospital and my insurance company. ) I told him the hospital has told me I am not liable for it while they resolve with insurance. He then told me that he could mark this as disputed but it would still affect my credit score. I told him that was okay then asked if my score will recover after the hospital and insurance company resolve this amongst themselves. He said it depends and I asked if that was all. I said yes but is the formally marked as disputed. He hung of the phone before he answered my question. Now I am unsure if this has correctly been marked or not.
Hi. 
I applied to EXPERIAN ONE TIME CREDIT REPORT a month ago and I 'm trying to cancel ever since, Since I could n't they started charging me XXXX $ monthly. I wrote an email on XXXX XXXX to cancel it and never got a response. 
I do n't want the service, but I ca n't cancel it. Today is the 25th time I call in separate consecutive days, and they keep me waiting for more that 16:41 min, even though the answering machine says to wait between 3 to 5 min.
I have requested this debt to be valided and proper documentation provided to support that I was in contract with XXXX and had past due Cell Phone bills. I disagree that I was in contract and that debt was still owed. After 2 years, hours adding up to over XXXX speaking with XXXX as well as RPM no contract can be located ( there was no contract ). At that time XXXX lowered the debt from {$1900.00} to {$1100.00} I continued to dispute as I know I was not in contract and the response from RPM and XXXX was proven incorrect at which point the reason for the debt was changed. They stated that I cancelled during contract I advise I was not in contract and to supply me the contract at which point RMP asked me to supply them proof I didnt have a contract! That is not even possible as XXXX does not exist. When speaking with XXXX they advise that THEY turned me off for non-payment as the amount being reported was higher than if there was a contract cancellation. I provided XXXX with proof that I was no longer with them and transfered all my phones XXXX XXXX and that if THEY were the ones that turned me off for non-payment I would not to this day have the same number. That is when they lowered the amount as stated above. At that point I offered to settle for {$350.00}, I had already disputed this again for years, was verbally abused by the collectors, disputed it with the credit bureaus, sent in a Qualified Written Request, which no response was ever provided and this showing on my credit bureau has destoryed my rating and falsely represents my ability to maintain my credit obligations. RPM stated they would have to get approval. I called back and they advised me XXXX would accept {$400.00}. I asked for a letter to verify that they would be removed off my credit and that we would settle. I waited XXXX business days and called back. Was informed that the account was cancelled by XXXX and Transfered. I asked for a letter in writing stating what has occured and was provided a letter and was told that they would report to the credit bureau as cancelled. I have again spent months trying to get them to update as THEY ARE OBLIGATED TO DO. This debt is not only showing on my credit but now for XXXX different amounts, {$1900.00} and {$1100.00} and dates!! This is a direct example of their business practice.
I have a Visa Prepaid Card with Bank of America. There is an incorrect charge on my account of XXXX. I have tried to resolve this with the merchant and even contacted Bank of America while at the restaurant. The person I spoke to informed me the charges were pending and after they posted I could file a dispute. About a week later I contacted Bank of America to file the dispute and they have made it impossible. I spoke to two different people by phone who offered no assistance. This by far has been one of the worst customer service experiences I have ever dealt with.
On XXXX XXXX, XXXX, I began an application with XXXX to refinance my student loans that were being serviced by FedLoan. On XXXX XXXX, XXXX, I received notification that XXXX had disbursed funds to pay off my FedLoan balance. When the payoff posted on XXXX XXXX, XXXX, I had a credit balance of {$620.00} since I had continued making payment from the time I started my application to the time the funds were disbursed and posted. I contacted FedLoan about the credit balance and was told I had to wait until I received a paid off statement and that a refund check would cut automatically. On XXXX XXXX, XXXX, I received an email with a payoff letter stating the loans were paid in full. Whenever I login to my account, I still have a credit balance. I have sent messages through my online FedLoan account ( no responses ) and called ( told I have to wait ). I am requesting assistance to get a refund so I can apply it to my refinanced loan.
On XX/XX/XXXX I was contacted by Phoenix financial services in regards to an account I have in collections I asked for validation of the debt the collector continued to argue with me about hippa laws so after a few minutes of this I asked if this company accepted verbal cease and desist on their account he stated yes so advised them not to contact me anymore. On XX/XX/2018 I received just a basic debtor statement in the mail not the validation notice I requested so I called the company again and requested a supervisor, I was told one wasnt there but would call me right back but never did. Fast forward to XX/XX/2018 I received a voicemail from the same collector again so I called back and asked him why he called me when the account was supposed to be in cease and desist he said I never told him to put the account in cease and desist I had only given him one number not to call which was the exact number he called. I requested his supervisor who said he would pull the calls and to call back. When I called back I got that supervisors supervisor her name was XXXX she also said to call back she would have to pull the calls. When I called back she kept arguing and speaking over me making excuses for the company Ive advised ever person Ive spoken to Im a collector and the fdcpa violations theyve committed.
On XX/XX/XXXX I received a notification in my email about a credit account, which I have no clue of. I have been a victim of identity theft in the past. My taxes was filed without my consent in XXXX. I have also been affected by the credit breach where my information was leaked. I am disputing the inaccurate information on my credit report as an internal dispute and fraudulent. The accounts that are fraudulent are as follows : 1. XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX 8. XXXX XXXX   9. XXXX XXXX 10. XXXX XXXX I am disputing the following accounts as fraudulent and an internal dispute which takes only 3-5 business days. I will be following up with all 3 credit bureaus in a few business days to assure that the fraudulent and inaccurate information is completely and permanently removed from credit file.
The XXXX XXXX XXXX account was paid as agreed and has a XXXX balance but shows charged off with a balance.on Experian and XXXX they will not update even after I uploaded the proof! The Credit acceptance account shows a balance and repossession this was a dealer endorse contract and is the dealers responsibility not mine thus the reporting is in accurate the credit reporting agency have failed to remove this from my report even after proof was submitted also credit acceptance required me to purchase an overpriced warranty to obtain financing which is illegal in Texas
The charge from OMEGA RMS for {$1600.00} is unjust. This is a timeshare scam and when we went to their presentation, we told them that we did not want to join, but yet they still charged both myself and my husband. My husbank disputed it, and OMEGA cleared it from his credit, however, OMEGA kept the charges on my credit. This is robbery! And, now, it 's preventing me from purchasing a home.
I completed a re-fi in XX/XX/XXXX. The lender transferred the servicing to AmeriHome Mortgage. Three months after my re-fi, my home owner 's insurance policy was due. AmeriHome failed to make the payment although my hazard is escrowed. I contacted AmeriHome about the missed payment when I received notice from my hazard insurer that the policy was now past due. I was informed on a Monday by AmeriHome that the payment had not been submitted but would be overnighted. I contacted AmeriHome the next day to learn that the payment had NOT been overnighted as promised. I was told for a second time that the payment would be overnighted that very night. I called again Wednesday, and still no payment was overnighted. Wednesday is the cancel effective date. AmeriHome lied twice to me, failed to make a timely payment for my hazard insurance, and thus, caused me to have to pay out of pocket for the hazard policy for a two month period to keep the coverage ongoing until AmeriHome can get their act together and submitted the late payment. My hazard insurance agent contacted AmeriHome on 4 different occasions to obtain payment ; however, AmeriHome failed to hold up to their responsibility in ensuring payment of escrowed items.
My name is XXXX XXXX XXXX, and I have had XXXX joint account opened with Chase for almost 10 years. The last XXXX of my credit card is XXXX. I never had any issues ; never behind or late on my account. I have always value my relationship with Chase. Recently I discovered that my account had been closed ( back in XXXX ), but the closing was unauthorized. I never received any type of letter that confirmed the closing or else I would have responded in order to correct or dispute the information. This was my very XXXX credit card, and I would have never attempted to close my account under any circumstances. I called in and spoke to a representative to find out what happened with my account. The representative informed me that it was closed, and it could 've happened by mistake, but I would have to speak with her supervisor to get the account re-opened. Her supervisor XXXX came to the line, stated that the previous rep gave me incorrect information and states that nothing can be done to re-open the account whether it was or was n't a mistake. He states that it was closed in XXXX. He stated that someone called in to close the account, but he had no actual evidence of the call or who called in to do it. He stated that " it must have been you!! '' When I asked to speak with his supervisor ( XXXX XXXX ) he claims that his supervisor wont be available until after XXXX, and if he was available he would n't allow me to speak with him, because he has everything under control and his supervisor would n't be able to help me anyway. After I informed him that I was going to report his attitude and unprofessionalism to the executive office, then he allegedly transferred me to a miscellaneous extension that was not his supervisor extension. It ended up disconnecting the call. I do n't deserve to be treated like this. I did not use any type of profanity nor did I raise my voice during the call. I attempted to handle the conversation in a very professional manner, however I was treated with any type of dignity or respect. The supervisor was very rude, and cold hearted when it came to assisting me. He never attempted to see if the closing was performed by mistake or if the person who called in was even authorized to take matters into their hands to close my account. I would like for my account to be re-opened, because I never authorized for it to be closed, and I do value my relationship with Chase.
Received a " Notice of Unpaid Electronic Transfer '' from XXXX XXXX XXXX , XXXX dated XX/XX/2018 requesting payment for an alleged Check Number XXXX written on XX/XX/2018 to Original Creditor XXXX 's XXXX  XXXX   Number XXXX, which is in XXXX, GA in the amount of {$2000.00}. The above information is from the notice and includes that the check was returned as either a Stop Payment or the account the check was written on was not authorized for ACH transactions. The notice also says XXXX XXXX , XXXX purchased the dishonored electronic fund transfer and forwarded it to XXXX XXXX XXXX , XXXX for collection. First, I live in XXXX, TX and was at work in XXXX, TX on XX/XX/2018 and have never been to or in XXXX, GA. Second, there were no supporting documents accompanying this notice such as a copy of the returned check or bank name the check was drawn on or a copy of the receipt for whatever was purchased. Third, the check sequence of my bank account checks currently in use are in the 500s, not the thousands let alone the 4000s. I am not the person these people are looking for. Lastly, upon investigating scam or fraud reports via the Internet on these two companies I found numerous consumers who have had similar experiences. And apparently, these companies do not do their due diligence verifying customer information during transactions.
When my mortgage was originated I was promised a lower fixed rate, but at closing the rate changed. I was unable to afford the higher payment, and was advised by the servicer " I can't tell you not to make the payments, but we have no reason to negotiate with you if you are current '' Of course that was then represented in my credit report, but more horrifically, they sent notices to my ex-wife, who used that to force my hand in a child custody battle, causing me to negotiate a horrible compromise, and ultimately loose custody of my children.