WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter on XX/XX/2018 from Stoneleigh Recovery Associates for the amount of {$280.00} for a medical bill I phoned this company the same day around XXXX XXXX to explain to the collecter that my medical insurance at the time should have covered this bill. I also explained this debt has been bounced from two other agencies. When telling her the SOL is up on this debt she threatened me by saying it will go on my credit. The hospital I received treatment at did not fill out insurance correctly or send me a bill. Stoneleigh provided no options and expects me to pay a debt I shouldn't owe. I also told the collecter I will contact my insurance at the time and they will handle the bill, I was told that wouldn't work Which is a lie. I also asked for the hospital information which the collecte refused to give me. Her excuse was " They cant do anything about it '' I didnt ask that i asked for the information
This company is not licensed to collect in my state. I'm am a Texas resident and this company is bonded in Kansas. Today, XX/XX/2018, this debt was added to my credit report! I'm furious! Not only because they are illegally trying to collect in my state, but I have NEVER even done business with this company. I don't know who they are! I have worked really hard on my credit and haven't had late payments or new deragatory marks on my credit in YEARS!. The company attempting to collect the debt is NATIONAL CREDIT ADJUST. THEIR address is Creditor Contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX | ( XXXX ) XXXX. The amount listed is {$830.00}. No one even ever attempted to contact me.
I have been unable to access my money on Rushcard since XXXX/XXXX/15. No one answers the phone or when they do they hang up on you. My money is on a card that expired almost 3 months ago. I unable to transfer money from the expired card. None of my emails have been answered and they have disconnected some of their phone lines
I notified the credit card company on XX/XX/18 that I did not initiate the following charges on my card : XX/XX/18 XXXX XXXX XXXX CA {$570.00}, XX/XX/18 XXXX XXXX XXXX CO XXXX, XX/XX/18 XXXX XXXX XXXX/XXXX # CA XXXX, XX/XX/18 XXXX XXXX XXXX FL XXXX.

First of all, I have never used XXXX  for any purchases I have made. And secondly, I am XXXX years old and do not use XXXX.

They are saying they researched these purchases and I did make the XXXX purchase.
I have called the company on several occasions and they never answer. the calls get disconnected. they call every day and now have contacted my employer. I have asked them to stop calling me.
XXXX is trying to sue me for a debt that the sol in NC has run out it run out XX/XX/XXXX i do n't have a contract with them these people do n't stop look i just had my XXXX took off and recovering from XXXX XXXX now they saying i have to be in court XX/XX/XXXX police have n't gave me anything please help me thank you XXXX
I notified Navient that I was in the process of filing a chapter XXXX bankruptcy in XX/XX/XXXX. They were fully aware of my hardship and purportedly initiated a forbearance on my account. My Bankruptcy was filed in XX/XX/XXXXand discharged in XX/XX/XXXX. Navient continued to mark me late through the bankruptcy period. What is the purpose of a bankruptcy when a company like Navient can destroy your credit worthiness regardless of your bankruptcy protection. Its absolutely amazing that a homeowner can file bankruptcy and have his XXXX XXXX dollar home foreclosed upon, the government eats half that loan in a hypothetical situation and that homeowner goes on to buy a new home in two years. With FEDERAL school loans your are held XXXX for the rest of your life. Make no mistake about it the fed gives Navient their power! It's my understanding 1 in 4 or approximately 11 million " students '' loans are in default. What does our government think is going to happen to those 11 million people in default. Probably won't be able to rebuild their lives, get a job if their credit score plays a role and may very well become the responsibility of the state in one way or another. Should I go seek the local loan shark and get these people out of my life?
Hello, I have had a debt ( {$24000.00} ) with the company XXXX XXXX since XX/XX/XXXX, which has been precarious for I had relied on Military benefits to repay, but which I eventually learned would not come, and have not been in the United States until one year ago to rebuild my life here. 

In acknowledgment of my failure to make these payments, I do not condone the tactics taken by XXXX XXXX to collect these debts. 

When the company realized my mother, the cosigner, had lost her fiance on XX/XX/XXXX, they immediately looked into his assets and determined they would intimidate her days after his death to take advantage of her grief with unclear threats. XXXX XXXX ( Employee ID # XXXX ) was the collector making the calls and threats, intimidating my mom on the day of her finance 's funeral, XX/XX/XXXX after a time trying to get my mom to warm up to her. My mother was shaken from the death, and wanted XXXX to stop harassing her and eventually gave in to the money drop on XX/XX/XXXX with a {$2000.00} credit card payment, yet that money itself is more debt than my mom is able to handle herself. But they wanted more, {$14000.00} in total to keep my moms name off of the contract, and continued to harass for any possible way to make large lump sums with me beginning on XX/XX/XXXX. Then XXXX found my brother 's cell phone number and began to harass him on XX/XX/XXXX. I have repeatedly stated we are not in a position to make large lump sum payments, and must sort out a monthly plan, which they repeatedly refused to consider. I find this unethical, given I spent most of this last year working for a XXXX XXXX XXXX that XXXX XXXX XXXX with helping the XXXX XXXX ( XXXX XXXX XXXX ), which is why I am struggling to build back money to sustain myself and help my mother who now carry 's even her hXXXX XXXX XXXX XXXX. I am seeking to coordinate this into a monthly payment until I am able to get back on my feet. 

Thank you for your time.
On Friday, XX/XX/2018, I went into a Bank of America Financial Center at XXXX XXXX XXXX, XXXX XXXX, NY. I specifically asked the Branch Manager how the funds will be disbursed if I deposited a check from my retirement fund in the amount of {$83000.00}. I was told that on Tuesday, XX/XX/2018 the first {$5000.00} will be available and that on Friday, XX/XX/2018, the remaining balance will be available. I needed to know this because if it would have been too long of a wait, I would have took the check to XXXX XXXX and opened up an account there. I deposited the check and was informed that the whole check will be on hold for a total of 11 days ( XX/XX/2018 ). Needless to say I was very angry. I called Bank of America for  the next few days multiple times and every person I spoke to said something different. No two people gave me the same information. XXXX XXXX XXXX  clear the cash into Bank of America after XXXX  on Monday, XX/XX/2018. I called Bank of America this Morning multiple times again and was told they don't see the cash  deposit so I still have to wait. I said why is the whole amount on hold, can you at least release {$5000.00} especially since the other bank sent over the funds. I was told no. I then replied if I was white, portions of that money would have been released to me, but, because I am XXXX the whole amount is put on hold for 11 days.
On XX/XX/XXXX I opened a Chase checking account using a promotional coupon I received from Chase which offered a {$200.00} reward if certain conditions were met. On XX/XX/XXXX i received an email from Chase stating that there was possible fraud on my account and that i should go to the nearest Chase branch with 2 forms of ID to address the issue. Once i arrived at the Chase branch, I was told that my checking account had been compromised and that my account would have to be closed, and a new account opened to replace the old account. So the Chase branch closed my existing account and provided me with paperwork and an account number for my new Chase checking account. On XX/XX/XXXX, I realized i had not received the {$200.00} in my checking account and I went to the Chase Branch to inquire why not. I spoke to the Vice President at the Branch, XXXX XXXX, who said she would research the issue and get back to us by XX/XX/XXXX. On XX/XX/XXXX, after not hearing from Ms. XXXX, we called her and she explained that since " we closed the original account, '' we would not be getting the {$200.00} reward. We explained that " we '' didn't close the account, Chase closed the account due to fraud. She continued, very rudely, to explain that there was noting she nor Chase could do and that we would not be getting the {$200.00} reward, even though we met all the requirements for receiving the {$200.00} reward. I was very upset and inquired about closing my accounts to which she replied, " you already know the procedure for closing your account, you did it the first time. Its just like you did it before. Come in to the Branch with 2 forms of ID and we'll close it. '' This made me extremely upset. XXXX XXXX is falsely implying that we voluntarily closed our Chase checking account. We did not. Chase closed our checking account when they noticed someone tried to fraudulently withdraw from the account, and then Chase opened a new account. 

Ms. XXXX was extremely rude, cut me off when I was talking and made it seem like we did something wrong by allowing Chase to close our compromised account. Chase is attempting to withhold the {$200.00} new account award by closing my original account and opening a new account, and then placing blame for the original account closing on my wife and I.
my son required an XXXX XXXX and my insurance was contracted with XXXX XXXX for this service. after having the machine for a few months my son no linger needed the machine and I called apria to come and pick up the machine, ( waited nearly XXXX mins for to speak to a rep ). They never showed up to pick up the machine. Called again a few times over the next few weeks waited on hold for over an hour to request for someone to pick up the machine. Finally about a month later I was able to sit on the phone and wait to get through to schedule a pick up. I then received a bill for aprox {$83.00} and I called and waited on hold for another hour or so to speak to someone about my bill. I had requested the machine be pick up last month and no one ever showed up. It is not my fault that they have no one answering the phone to schedule pick ups, i requested that the total be reduced. They would not work with me and extremely frustrated at this point, I ended up just paying the {$83.00} in order to just be done with them. Then a few month later I received a check from them for around XXXX dollars. I was confused but just figured they had done some kind of internal Audit and realized that they had over charged me. Then a couple month after that I received a call from a collection agency requesting the {$50.00} for XXXX XXXX, I called the Collection Agency and discussed this with them and told me that XXXX received the {$50.00} from my insurance and then paid it to me and now I need to pay it back to them? Why are they still collecting money from my insurance and why I am being sent to collections for the this?
My credit rating is wrong. My score is XXXX my rating poor this is wrong. 
The score starts at XXXX top score XXXX. In the United States Of America. 
The math is simple 300-410 is a score. 411-521 is a score. 522-632 is a score. 
633-743 is a score. 744-855 is a score. That is the American math system. 
The credit rating allowed by the United States Of America is Bad, Poor, fair, good, excellent. If this is correct. The math is simple. My rating should read on my credit report fair with a XXXX score. My complaint is Experian, XXXX, an XXXX  has my credit rating wrong according to their allowed score of 300-850. It has a window of XXXX divided by bad, poor, fair, good, excellent you have XXXX in between the XXXX score and the XXXX score. My score falls in the line of fair and once it reaches XXXX my rating should read good. Experian has a correct credit report but the rating is poor which is wrong. But they are the only credit reporting company with the correct information.
Experian is noting that XXXX of the account son my report were charged-off. I have submitted to them proof multiple times showing that these XXXX accounts were NOT charged-off, rather they were settled. However, Experian is NOT correcting the erroneous reporting and is therefore ruining my chances to get approved for new mortgages. It hinges on those accounts being reported correctly as settled, versus being charged off.
With my Business Platinum Credit Card through American Express I am promised a XXXX to XXXX ( XXXX per point ) value per point with my selected airline. After that I am also supposed to get 35 % of my points back on with flights booked thorough my selected airline. My selected airline is XXXX. XXXX XXXX does not allow amex travel to book directly with them. Because of that I am required to book directly with XXXX wait for the payment to post- then call AMEX to get the point adjustment. I have done this many times previously, I have had the card for almost two years now. This time an American Express representative is trying to keep my points and not give my 35 % points back.
XXXX, CA. XXXX XXXX XXXX XX/XX/2017 1. XXXX, IN XXXX 2. XXXX MI XXXX 3. XXXX, PA XXXX 4. Copy : ( 1 ) TRANSUNION ( 2 ) XXXX ( 3 ) XXXX RE : CREDIT REPORT CORRECTION : XXXX The attached STATEMENT OF ACCOUNT from XXXX has written off this debt collection to XXXX balance. 
a. I am requesting XXXX, XXXX and XXXX to stop their continual harassment, fabrication of lies, and distortion of facts of fraudulent debt collection on this case immediately. 
b. I am requesting that XXXX to report this item to credit bureaus of TRANSUNION , XXXX and XXXX as per the statement of account attached to stop the fraudulent business practice of XXXX 
c. I am requesting from TRANSUNION ( 2 ) XXXX ( 3 ) XXXX that this debt collection still listed on my credit report be removed and should be disregarded by the credit bureau agencies ASAP. 
d. I am demanding that XXXX order the removal of this item off from my credit report. 
e. I did not signed, received or order any treatment from XXXX, the XXXX Sheriff Department order and signed off for this treatment to cover up an illegal arrest and I was never treated by XXXX, the {$0.00} balance as indicated in the statement of account attached should be updated with the credit bureau as {$0.00} balance and this items removed from my credit report ASAP.
I have a BP credit card that advertises rewards for either XXXX, XXXX, or XXXX cents per gallon depending on what you purchase. I have no issues with credit when I purchase gas at a BP station, I get credit at XXXX as advertised. The issue is when I purchase other items, they either reimburse at the wrong rate or not at all. They claim a railroad ticket or a taxi is not transportation so not reimbursed at the XXXX cent rate. Also, they make it extremely difficult to match up a purchase to what was rewarded back to the customer. Purchase history is on one site and reward history on another site and of cousre there are delays in reporting. Then customer service claims they have no view into rewards, which of course is not true, if I can see it they can see it.
I have spent the last year trying to work with XXXX to remove the 120 days late status from a loan that was closed on XXXX 2011. In my latest attempt they have continue to report the same status and verified with Wells Fargo.
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX on XXXX XXXX Account number : XXXX. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.
I use XXXX to download my monthly bank statement via web connect and import it into the program. I purchased the program in 2010 and have been billed by Citizens Bank {$9.00} every month since then without my consent or knowledge. The fee is not labeled on my Citizen 's statement and I thought it was a " phone '' use payment ( and is marked as such in my XXXX files XXXX. I finally called and visited the bank about this today to help me identify the source. The gentleman there called into the company and stated it was a quicken fee. I did a little research when I returned home and realized it is a bank fee for the online bill paying service. I do not use bill paying, only web connect, and never signed up for it anywhere. See the instructions Citizen published info on its website regarding signing up for this service. ( XXXX XXXX ) ( this is for pc but there is a similar one for XXXX XXXX. I then called into the number on that page and another person said I should be checking my monthly statement and he would reimburse me only two months.
I purchased item from XXXX thats not compatible to my computer. I wrote a letter to the company and they refused to take the merchandise back. I had my attorney forward them a letter.. I dispute this charges to my XXXX credit company and I was refunded. Recently, I review my credit file and see that XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX is report a collection. I want this erroneous information remove from my account immediately.
I received a call from Mr. XXXX from XXXX who immediately asked to verify my information ( ssn, DOB, and address ) without informing me who he was. When I asked who I was speaking with, he stated he was from Diversified Recovery. I continued to ask what the nature of his call was he immediately advised that I was refusing to answer his questions and continued to tell me that he was recording the call and it could be used to sue me because I refused to verify my information. He then hung up.
On XXXX XXXX 2016 XXXX took a fraudulent application for credit and ran it anyway through the transunion bureau. Transunion had a credit freeze due to fraud on the account but permitted this to go through anyway. I called today to dispute this and was told that it was not transunion problem, but if i paid them money they would put a lock on my account. also transunion also stated that even though they placed a freeze on my account there was no phone number listed on it. needless to say, i have a hard inquiry that should not be there, transunion tells me that i should call XXXX XXXX ( but the number that is listed on the credit report does not work and when you XXXX the number you need an account number ) so there is no way for me to get in touch with the company. when i told this to the rep they became loud and yelled at me, they told me that it is my problem and that i should dispute this elsewhere since its not their problem
I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.
On or about XXXX XXXX, 2015 I received a message from Citibank advising me that due to suspicious activity on my account ending in XXXX another card was being issued. The message stated that I could still use the card XXXX until the new card arrived. I checked online and noticed numerous charges on my account ending in XXXX. I had given the card to my son, XXXX XXXX to use in an emergency. I tried to contact XXXX to tell him to stop using the card. I was unable to contact him. I called XXXX and spoke to XXXX ( I.D . # XXXX ) on XXXX XXXX, 2015 and asked her to freeze the account. I checked my account later and found that more charges had been applied to acct. XXXX. I called Citibank again on XXXX XXXX, 2015 and spoke with XXXX. She said a freeze was applied to the new card issued XXXX but not applied to XXXX card. I told her that made no sense as I had not received card XXXX. She agreed and apologized for what she called " the confusion ''. I told her I was not responsible for charges after XXXX XXXX as I had requested account be frozen. Account XXXX was closed and another card XXXX XXXX was issued. I checked my account later and all charges after XXXX XXXX, 2015 were still posted to my account. I called on XXXX, 2015 and spoke with XXXX . He said he would " take care of it ''. I checked my account again on XXXX XXXX, 2015 and all charges were still on my account. I called Citibank again on that date and spoke to XXXX ( XXXX # XXXX ). I checked my account later and charges had been removed from account. I checked my account XXXX XXXX, 2015 and some charges had been reapplied to account. I called Citibank and spoke to XXXX, then XXXX in Florida office. I was told that phone conversation from XXXX XXXX, 2015 would be reviewed and I would be receiving a letter from XXXX I have heard nothing from Citibank since and charges are still posted to my account. Since I was unable to contact my son and tell him to stop using card XXXX I felt my only option was to have the account frozen. I was told this was done. It was not. My agreement with Citibank states that I am not responsible for unauthorized charges. Charges made after XXXX XXXX, 2015 were not authorized because I had requested that account be frozen. Citibank seems to be refusing to accept responsibility for a mistake made by their employee.
I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from XXXX XXXX XXXX. One of these credit cards were accepted by XXXX XXXX for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, XXXX XXXX refused to discharge these cards and have sold the account to Portfolio Recovery Associates who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between XXXX XXXX and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
I owed XXXX dollars to my previous dentist. 
They sent it to a collection agency with wrong contact information, wrong phone number and wrong address. 
afterwards as I was applying for home mortgage, the bank figured it out and gave me the collection agency phone number. 
I paid the balance in full the same day. 
After that I asked the collection agency to remove it from the credit reporting they hung up the phone on me. This is the only incident that negatively affected my credit history all my life.
Lender, Financial Freedom, loan XXXX, took the liberty of depositing a check XX/XX/2016 into their account payable to Financial Freedom and Estate of XXXX XXXX, without my signature of her court appointed personal representative in the amount of {$2500.00}
Doctors business office 4 acount in my credit report I dont own any medical bills I have no knowledge Please remove from my credit report companies