WillisBack/dataset-financial-user-claim huggingface dataset:
( No category above described the problem, so I picked the XXXX most closely related ... ) Transworld Systems Inc. notified me to collect a medical debt that I owed. When I tried to pay the debt online at the website the company provided, their server was repeatedly down over a two day period ( XXXX/XXXX/17 - XXXX/XXXX/17 ). I called during regular business hours to pay my debt over the phone, but my calls repeatedly went to voicemail, and no one ever called me back. 

This is deceptive. The goal of Transworld Systems Inc. seems to be to give people the false impression that they can pay their debt online or over the phone, then lull them into a false sense of security, so that when these attempts fail ( by design ), the deadline is too soon for a mail-in check to meet the deadline. In this way, Transworld can charge more interest.
On XX/XX/19 I was notified via XXXX  credit monitoring that a collection account has been placed on my credit file. Upon looking I see that it was from Capio Partners for an alleged medical debt in the amount of {$1400.00}. I was subsequently notified of placement of this collection account on my XXXX  account on XX/XX/19. 

I have never received any notice of the alleged debt from Capio Partners and have no idea what the debt could be for. In doing so I was denied my legal right to dispute any debt within 30 days of notification from a debt collection agency - pursuant to 15 USC 1681 et al.

This is to be removed from all three credit bureaus immediately and proper procedure and protocol is to be followed. I have no reservations in litigating this ridiculous practice performed by Capio Partner 's in a court of law where I will seek punitive and statutory damages to the fullest extent allowed by law.
I have contacted Diversified consultants in the past about at XXXX XXXX XXXX bill that does not belong to me. They previously removed this fraudulent account from on my credit report and NOW THEY HAVE PUT IT BACK ON AGAIN. As I previously notified this collection agency that I do not owe this debt but yet once again without contacting me whatsoever they put this debt on my credit report. This debt DOES NOT BELONG TO ME!!!!!!!!!!!!!!!! This collection agency is using fraudulent information to ruin my credit report. They have done it before and once again they are doing it.
Barclays gold card offered the card to military members with no annual fee and zero percent interest. Recently, Barclay changed the policy charging {$990.00} annually to military members. I would say this was a classic bait and switch. Lure military members in offering a good deal and once purchases are made change the fees to charge the annual fee. Military members with a balance and unable to pay off and cancel get hit for the highest fee on the maket.
Good Afternoon! 

I have attempted to contact Transunion to remove unauthorized inquiries to no avail. I have reached out via email, mail, and by telephone with no assistance at all. I advised them over the last year, there were a total of 32 inquiries on my report. XXXX  has shared the fraud details to Transunion yet they refuse to remove them. I need help. Please!!!!!!!!! This is ruining my credit. Also, the details associated with my bankruptcy is not correct. They did not check with the courts because the courts do not verify.
I have received numerous phone calls from sunrise credit services saying I owe XXXX XXXX XXXX XXXX XXXX XXXX when I tried to ask what the debt was for they said they could n't provide me with a detailed breakdown of whats owed. ( now they are saying it takes 30 days when I have repeated ask for this breakdown ) I tried to contact XXXX XXXX XXXX directly to get information but they too wont provide me with the final bill. I canceled my service with them. I turned in all equipment and if I owed that much money my services would have been cut off long before this debt reached XXXX. I was living in an apartment when I had these services and I believe this is not my debt. a mistake was made. either way why would I pay a debt for services I did n't receive or be harassed with phone calls and letters about a debt I simply do not owe. why if owed this debt does it not show on my credit report if this was from last XXXX. why would any reasonable person pay a debt or write a letter disputing debt if its simply not owed. I cant believe there are actually people who would write a company and talk about a debt they do n't owe. here is the account Information I received. creditior XXXX XXXX XXXX account XXXX another account listed is XXXX.
I am filing a complaint against NCC Business Services located in XXXX, FL ( Phone Number XXXX ). When seeking a pre-approval for a mortgage, I discovered that NCC Business Services had reported XXXX eviction entries on my account. XXXX was a collection account entry and the other was a court judgment entry for the same matter. After contacting the court, I discovered that the court case was in the name of XXXX individuals whose names are not mine. After contacting NCC, I was also informed that my social security number was not in their system at all, and that there was not a social security number associated with the aforementioned account ( based upon their records ). 
I promptly informed NCC that these inaccurate entries were preventing me from qualifying for a mortgage, as well as preventing me from renting another house, and that I needed to move in two weeks. I provided them with my documentation and was told that they could not tell me how long it would take to resolve this matter. When I asked whether they could provide me with documentation showing that the entry was not accurate and that they were in the process of removing it ; I was told no. I explained that my family would be homeless, and they indicated that there was nothing they could do about it. 
When I inquired about how my social security number was associated with this account, or why they inaccurately reported my information, they would not tell me. Instead they told me that asking questions about the matter would not resolve the issue, and that I needed to follow all their requests by providing additional personal documentation. When I informed them of my concern of providing additional information, when my personal information was already compromised, they said it was nothing they could do about that. Every time I asked any question regarding this matter, they informed me that I was not going to resolve this issue by asking questions, only by submitting additional documentation. Finally, when I asked to speak to someone above the manager, I was told that he was not available. I asked was he ever available and was told that he would tell me the same thing. I asked again for the contact information of the person above the manager and was provided with the name of XXXX XXXX, VP of Operations, and then given a non-working number. 
NCC Business Services made a terrible error in reporting inaccurate information to my credit report, and did not follow appropriate or legal measures in ensuring that they were reporting accurate information to my credit report. In addition to making this error, they have failed to even take responsibility for this error, or provide me with an immediate resolution.
I wrote XXXX, XXXX and Equifax in XX/XX/XXXX and XX/XX/XXXX about an account that has been on my credit report from XX/XX/XXXX for an amount of {$1700.00}, this account has an account status as closed and it is now 21 years since this account has been there and I was not aware of this account until recently when I tried to get my credit report and it was pointed out to me.
I was traveling to XXXX from XXXX. Upon returning home I saw that my checking account was {$12000.00} short due to XXXX transfers out of my account ( XXXX for {$7000.00} and XXXX for {$5000.00} ). I did not authorize the transfers and immediately contacted my bank, Sun Trust. They opened a fraud investigation, I signed paperwork, and they stated that I should have the funds replaced within 10 days. Two weeks later I checked my account. The {$5000.00} was replaced but the {$7000.00} was still missing. I went to the branch. They said the {$7000.00} had been put in the account but was transferred out again, another case of fraud. Said they would expedite and I should receive the funds within 24 - 48 hours. After another week I check again and still no {$7000.00}. Now it has been over 20 days since funds were fraudulently taken from my account. Go into the branch and representative calls the fraud department who says they have to open a new fraud case and it will be another 10 days before the money is put in my account. Assuming it gets done again, and the money is n't immediately stolen ( why ca n't they put a flag on the account and not allow any debits?? ), it will be over 30 days that the {$7000.00} has been gone. i have attempted to escalate this but get no where. Please help.
Roomate took personal id information and submitted online application to American Express ( AMEX ) for credit card. Roomate included his name as an associate account holder-but I was the primary account holder. Roomate is young and thought he was helping his cause of improving his credit rating. Roomate accrued {$8000.00} and has made monthly payments on the account. He has placed money in my checking account and submitted payment through my bank checking. I have been in contact with AMEX on numerous occasions and they always assured they would proceed with Fraud Claim upon my decision. I did not sign nor apply for this account. I believe that the issue should be between my roommate and AMEX. Not me. The young man is making the payments and I would like for the account to placed in his name not mine. If this means, AMEX needs to proceed with Fraud -- then it is their decision to proceed with the roommate. AMEX promised upon each conversation they would proceed with Fraud. I would like for AMEX to proceed with this account and the young man and stop harassing me.
OnXX/XX/XXXX, I ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Laptop Computer from XXXX. The order number is XXXX. The amount of the order is {$370.00}. When the laptop was delivered, I immediately saw that it was not the laptop I ordered so I contacted XXXX and arranged to return the laptop for a refund. I requested the refund to be made to the original form of payment, an XXXX XXXX XXXX through Chase Card Services. I received an email from XXXX on XX/XX/XXXX indicating the refund had been processed. The email did not indicate it had been processed in the form of a gift card. I did not realize that had happened until a few days later when I placed another order with XXXX and belatedly saw that the amount had been debited to a gift card. My thought was, " What gift card? '' and only when I investigated did I learn what had happened. On XX/XX/XXXX, I contacted XXXX 's customer service department via their online chat system and explained what had happened and asked that the remaining balance of the gift card XXXX {$320.00} XXXX be applied to the balance of my XXXX XXXX. I have since ordered another laptop directly from XXXX, I do not need an XXXX gift card in such a large amount, and that initial charge of {$370.00} will continue to accrue finance charges, costing me additional money for an item I do n't have, all the while it remains on the card. I was shuffled around to ten different customer service representatives, some of whom were outright rude, and all of whom told me that they could not fulfill my request. When I asked for a copy of the policy supporting their decision, they refused to either send it to me through email or to tell me where I could locate it on their website. I have made a thorough search of the policies on the website and I can not locate it. When I asked for the name and title of someone I could call and speak with directly, they refused to provide that as well. This seems to be to be a very deceptive credit card practice. I believe that if XXXX is going to make a refund to a customer in the form of a gift card, the customer should be notified and have the opportunity to object in advance. Thank you.
We are lodging a complain against US Bank. My husband is an XXXX XXXX service member with the XXXX, XXXX. We opened our US Bank credit card in XXXX of XXXX. I, the spouse, am the primary card holder. As such, US bank is denying us SCRA benefits unless I provide a court order stating I am financially dependent on my spouse. When we obtained my husband 's credit report, US Bank shows on his report, proving that he is a guarantor on the card and not just an authorized user. 
In XXXX of XXXX, we received a letter asking for a court order stating I am financially dependent on my husband before they would give us SCRA benefits. In response, I sent in our XXXX tax statement proving that I earn no paycheck as I am a stay at home mother. They sent the same denial letter in XXXX of XXXX and we brought this to the attention of a military attorney, who wrote a letter on our behalf explaining that we are, indeed, entitled to SCRA benefits. At this time, we are awaiting response from US Bank.
I received a denial letter on XXXX XXXX, 2019, from Ally Bank for a car loan, due to information supplied by XXXX credit reporting bureau. The credit score they supplied for me was 70 points below the other 3 reporting agencies. My husband 's score was 110 points lower than the other 3 agencies. I have no idea who this company is or how they are authorized to report on my credit status. From the information I have Ally Bank is the only Bank using this company. They are definitely not using the industry standard for Credt Scores. They have made up their own numbers ( XXXX ) and they are affecting my credit score and my ability to get credit. They also listed something about not having my phone number long enough. I have had the same phone number for 40 years. How can I stop them from lowering my credit score that we have worked the last 40 years to establish?
I reported an inaccurate account being reported on my credit report. I started an investigation with TransUnion to remove it off of my credit report. It's been 32 days as of today and they still haven't ended the investigation on it. they have violated FCRA 15 U.S. Code 1681i.
XXXX XXXX XXXX company is reporting the same account on my credit reports and increasing my debts owed falsely. It was removed once and reinserted without any type of letter or information mailed to me stating so. Incorrect information can not be lawfully reported. The information is incorrect, the amount is incorrect, the information listed does not match my name or address. I have disputed it with the credit bureau repeatedly to no avail.
I do not have a contractual agreement with Account Resolution Service ( ARS ) they have the following accounts # XXXX, # XXXX, # XXXX, # XXXX These account are in violation of HIPPA ACT .I had previously disputed this account. I have never done business with XXXX to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt XXXX and I believe it is a HIPPA Act violation. I request that XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt.
I have a home loan with Chase and for some reason I think they do unfair things with the owner of the house. I asked a questions about a bill I received regarding my property in California and was told they would check it out and get back with me yet they paid the bill and to this date if I had not looked at my account on line I would have not known that they were increasing my mortgage payment. They keep charging me an extra {$15.00} and for what reason I do n't know. I have received money back for them during things that were not fair but it was added to my loan. I have asked for an audit but for some reason they do n't do one, they send you information with a lot of number to where they are the only one who understand they. I have also tried to get my daughter name added to my account and we went through XXXX, because they did n't know what to tell us or what was needed.
Prior to this incident, I enjoyed a great credit repoire with  Citi Financial . I had a certain agent that I worked with whom later was in a life threatening motor accident. I considered his as a friend. He recovered and returned and while I was requesting a short loan I mentioned that I needed to upgrade my family home in  XXXX . He suggested a larger loan. I was approved and several months later while I was in the office paying my loan, he informed me that he could give me a new loan, if I needed on my jeep up to {$3000.00}. The next month or so I " took '' him up on this offer. I asked ( as usual ) questions ensuring that this was a different loan for I had done a few title loans in the past and wanted to keep it separate from my installment loan. He assured me and I signed documentation. I did not " catch '' the incident until about 2 months later and I called but he was on permanent medical leave. I inquired of this " mix-up '' and was told that " he '' combined the loan with the earlier installment loan. I requested paperwork and submitted my signed document for title loan but never acknowledgement from  Citi Financial eve n after a year of complaint. I contacted Te xas DMV the sam e day that I discovered the " mix-up '' claiming fraud and was told that I would have to seek legal assistance in that matter. I continued to pay loans until my mental breakdown though I had hired an attorney to look into the matter a few weeks before I became ill. I believe that the gentleman did not " change '' or " combine '' the loan but they were done by the company itself. I am f/u with this complaint because I just received a letter from a collection agency concerning this matter requesting a  one year " pay-off '' of this loan for a lesser amount.
XXXX shows 2 accts in collection, but doesn't show the co that report it. Can't get them on the phone with the # they post. XXXX XXXX put XXXX on all 3 cr reporting agencies. They informed me in cs its a install fee. I was told by sales when service was order in XX/XX/t 2018 there would be no fee. I took the trai period for 30 days return all equipment. Never heard from them again, now i see it on all 3 cr reports. Tried of sales dept making up info to get a sale, comm, promo. They need to stop with thier lies and be honest.
XXXX and transunion XXXX keep reporting accounts that should be erased due to the fact that they did not validate there claim that that stated i owed, this has caused me lost of hard XXXX an cause me to not be able to get housing for me and my family i ask that these be removed off my report asap XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$62.00} XXXX XX/XX/XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX, XXXX XXXX {$200.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$59.00} XXXX XX/XX/XXXX XXXX {$280.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX, XXXX XXXX {$390.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX, XXXX XXXX XXXX {$60.00}
The original creditor account was opened XX/XX/XXXX which was XXXX XXXX. The debt was charged off. They have the wrong information. The debt was sold to Portfolio Recovery and they are reporting the debt was opened XX/XX/XXXX. They are reporting this as a new debt and it is not which is a violation. I have disputed this with Portfolio Recovery to no avail I have not received any communication from them. They do not have a contract or any binding documents and have yet to validate this debt. I asked that it is deleted from my credit report due to the violation of my rights.
I have a few open accounts that have not been taken off that are affecting my credit score. As well as my score is being lowered due to spending to much on account every month and having revolving accounts is too high when i have asked for a credit line increase. I never miss a payment and I pay my full amount on card off every month. This has also caused me to not be able to open new lines of credit. I call over a year ago now to discuss the open accounts and they said they would fix it but to my knowledge it has not been fixed.
I got an assignment from Mystery Shopper on XXXX/XXXX/14 via XXXX with XXXX money orders for {$960.00} each from Mystery Shopper to carry out some assignments and report to them how courteous the Employees were while I was carrying out the assignment. I was not aware that there were fake moneyorders and Mystery Shopping assignment was a scam or I would never had cashed these checks and so I felt like Chase Bank did n't protect me from being scammed because I never had {$1900.00} in my account and I ca n't believe that Chase is not aware of fake moneyorder and also they did n't use the 3 day waiting period that was put in place to protect unsuspecting customers like me who are clueless. If the teller had waited before giving me all the cash against my account these fake money orders would have been identified and my account would not have been placed in overdraft for the amount of {$1900.00}. Rules and Regulations are put in place to protect customers and I am disappointed in Chase for not investing in and also teaching its tellers how to identify fake moneyorder and not to cash it against customers account and them charge me all these fees every month and expect me to be paying them for not protecting me from being scammed by waiting 3 business days before cashing large amounts of money and then blaming me for this debacle and destroying my credit, when this should be placed squarely on Chase lack of following banking rules that were put in place for a reason to protect customers from this same nightmare it has being going on for too long and has destroyed my credit score. I have written XXXX letters to the bank seeking a resolution but they are saying I 'm at fault I cashed fake moneyorder and I think Chase did n't protect me from being scammed by not investing in training the tellers who should be aware and ahead of scammers and not allow them to destroy people 's finances. I 'm distraught this is going on for 10 months now. I filed a complaint with the police they took the XXXX the copies of Fake Moneyorder and all information, the bank promise that FBI would be involved I would like to know if the bank was not aware of Mystery Dhopper scam like me.
A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.