WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call in XXXX from the XXXX XXXX XXXX XXXX XXXX XXXX The call was regarding a Medical Bill, of {$740.00}, for an out of network physician ( XXXX XXXX XXXX ). I requested that the collection service send me a letter stating the amount owed and other detailed information ( a letter was sent on XX/XX/2018 see attached letter below ). In the letter, the collection service offered a settlement amount of {$550.00}. I contacted the collection service and attempted to make payment. 

In my discussion, I stated that I would send an email to the collection service stating what had been agreed to verbally on the phone. The manager, XXXX XXXX, provided me with an email address : ( XXXX ) and I sent the email ( please see attached document ). In the email, I stated that I would mail a payment of {$550.00} upon receipt of a response to my email referenced above that in summary stated that upon payment, all collection efforts would cease and no reports would be filed with any of the credit bureaus. 

I spoke with an employee at Harvard Collections after I sent the email, requesting that they respond to the email. At that time, the employee stated that it was a policy of XXXX XXXX XXXX XXXX XXXX not to respond to emails and instead to " Trust Us '' that they would honor the agreement. My intention with the email is to create an audit trail to prove what was discussed and what was agreed to. 

Several more phone calls were received from employees and I again stated that I needed something in writing ( via email ). 

This afternoon ( Thursday, XX/XX/2018 ) I spoke with the Operations Manager XXXX XXXX and stated again that it is my intention to make payment on this settlement balance as soon as possible ( upon acknowledgement of my email ). Again, he stated that the policy was not to put anything in writing, and to " Trust Us '' until after the payment has been remitted ( up to 30 days later ). 

Tomorrow, I will contact the Operations Manager XXXX XXXX and attempt once again to make the payment on the balance upon receipt of an acknowledgement of my email. 

What the collection agency fails to understand is that I need a written agreement that states what both parties agree to in order to settle this issue. The failure on the part of XXXX XXXX XXXX XXXX XXXX to commit to an agreement in writing constitutes a poor business practice. A written agreement protects both parties.
On XX/XX/XXXX XXXX I used a USBank atm outside their branch to deposit {$900.00} cash and I received an Error message and receipt with a phone number, claim number and information on how to file a dispute. 

I called the number on the receipt to file a dispute the same day at XXXX, I was on the phone for XXXX minutes XXXX seconds. The agent that was helping me out said that since it had recently just happened I would have to wait until the next business day to find out if the money will be in my account. Since it was XXXX 's day weekend I would have to wait to call back on Tuesday if the money was not in the account. 

I waited until Tuesday XX/XX/XXXX, called back at XXXX since the money was not in my account. I spoke to a different agent for XXXX minutes and XXXX seconds who verified who I was and stated that it was weird that the first guy didn't just go ahead and start a dispute for me. He asked for the SUS number that they use to look up claims and said that he would start a claim for me and asked me to wait XXXX business days while they investigate and see what happens. 

On XX/XX/XXXX, tired of waiting my money to be deposited back on my account I called back, spent XXXX minutes and XXXX seconds on the phone only to be told that the dispute was never filed and that it is already late and going to be more difficult to find out what happened. I was told that it was XXXX of me to not go into the bank every morning to see if the ATM regulators, that are not part of US Bancorp, have found my money. I was then told to go back to the branch where I used the ATM and ask to speak to someone in person. I walked on over and and spent another hour while XXXX in the XXXX XXXX Branch helped me out. They had finally filed a dispute for me. They kept asking if I deposited the {$900.00} cash in an envelope which I said no, their ATM 's outside do not take money in envelopes, which she should know. I was told that I would have to wait up to 45 business days while they investigate and that since I do not know the exact denominations that were deposited that it would be difficult and a chance that I would not get my money back. 

On XX/XX/XXXX I called back to check, I spent XXXX XXXX seconds on the phone only to be told that my dispute was already settled and that they have found no money and I would not be getting anything back. I was told that I was sent mail explaining why I lost the dispute and that it most likely got lost in the mail since I had never received anything. I filed another dispute to investigate what was going on and why they dismissed my dispute. I do not feel like they did their best to investigate especially since they said it would take up to XXXX business days and I received no mail, email or call. I asked to please be called as soon as they are done with their investigation this time and was told that it is not possible, it is against their policy to do anything but mail the information. The information that I never received in the first place because " it was most likely lost in the mail ''. I know have to wait until they decide their verdict and hopefully receive information this time.
DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON XXXX AND TRANSUNION. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS
Dear sir/madam, as I was going through my credit report on Experian and Transunion few months ago, then I noticed a negative report on my credit. The negative report was from a Company called XXXX and Another company called XXXX. Any time I dispute the accounts, they kept sending me a letter at my home address saying they investigated the dispute and notice it was mine. First I have never had any account with XXXX and XXXX, Second, They have to explain which address I was living when I acquired this dept. .I do n't know how they got my social security and my date of birth because I know I have never had any account with XXXX or any of it affiliates. 
I am requesting that XXXX and XXXX or any of their affiliates should remove such negative and false statement from my credit report THIS COMPANIES ARE AFRAUDULENT COMPANIES, first they came up with the name XXXX account number XXXX on my credit report. after so many dispute I submitted against the account, I was forced to pay dept in the sum of {$45.00}. The dept I did not own, the dept that does not have my name on it. 
After that they came up with another name XXXX with same account number XXXX stating that I was owing them {$200.00} This is fraud I do n't own this companies any money and I never had any transaction with them I do n't even know the kind of business they do. They have to pay me back the XXXX dollars they fraudulently took from me. 

Dear sir/madamI want your office to go through my credit report to verify my statement. my credit report has so many names I do n't know where they came from. I contacted EXPERIAN AND TRANSUNION REGARDING THIS MATTER, all they said was that they can not remove those name because some companies like XXXX and XXXX reported some account to my credit report with the names. 
I want your office to investigate this matter because any time I dispute these XXXX companies that has XXXX account number XXXX and Experian kept saying the investigation stated that the account was mine. 

THIS IS FALSE INVESTIGATIONin the year 2013 when I wanted to open online account with XXXX, the man who spoke to me from XXXX told me that someone already opened the online accountwith my social security which I have no knowledge of who that was. Then the XXXX representative later cleared it off and created a new account for me. I want your office to investigate all these because I have filed so many compliant regarding the information on my credit report and most of the company claim they investigated the case which I knew all their so called investigations was not done right.
Around XX/XX/2017 I realized that someone I did not recognize sent money to my account, it was about between {$100.00} and {$200.00}. I am not sure when it started but as soon as I realized it I called my bank and asked them to return it as I do not know who it is coming from. I was told by my bank that there is nothing they could do on their end because they don't know who it was coming from being that it was a email or mobile transfer. The agent even joked saying its free money go ahead and spend it because there's nothing they could do about it. I was the agent to block whoever it is coming from so that the issue doesn't persist and to file a claim. After this I was under the impression that this issue was rectified not knowing that this person was still sending me money on a monthly basis totaling {$800.00} after a year. I was contacted by the claims department because someone filed a claim because they have been sending money to the wrong person. I explained what has been going on to the agent doing the claim and she said that she would contact me but none did. The bank went ahead and took {$800.00} out of my account leaving me overdraft without notifying me or getting permission. The agent noted that I gave her permission to take the money out because I do not know the sender and we did not have that conversation. after I told her the situation, I was told that she will contact me back. when I called multiple times they were rude and not trying to hear out the situation. The last lady informed me that I should have been aware of this and not spend the money and I called last year to file a fraud claim which was denied because I cant file a fraud claim for receiving money even if it is from someone I don't know. I told her that I wasn't aware that the claim got denied and I was not aware that this person was still putting money in my account in small amounts monthly, she insisted that I should have paid attention and not spend the money and hung up.
To whom it may concern, On XX/XX/2016- I accepted a balance transfer offer on my Chase account ending in : xxxx for the amount of {$7000.00} with a fee of : {$140.00} On XX/XX/2016 : Chase approved my request and mailed a check to my requested party XXXX account ending in : xxxxx XXXX please see attached ) After contacting Chase on numerous occasions, I have been told it takes XXXX days to see the check post. 

On XX/XX/XXXX I contacted Chase again, and was told the check was cashed, and the check number was as follows : check number : xxxxxxxx for XXXX. 

On XX/XX/XXXX I messaged my credit union this message : I am so frustrated with Chase, as the payment to XXXX ( for the visa payoff ) has still not arrived. I just got off the phone with Chase and got a check number from them.. They state the check number is as follows. 

xxxxx in the amount of {$7000.00} Name on the check would reference me : xxxx. But the check was made out to XXXX and was to pay the visa off, and put reminder in the checking account. 

can you see if you received this check, or it got posted to someone else account, please? 


On XX/XX/XXXX My bank has informed me no check has been received by the credit union from that vendor, on that check number made out to me. 

Hello xxxx Thank you for your response. With the information you 've provided I 've performed multiple searches in our system to locate that item, but I do not see it having posted to either your or anyone else 's account. At this point it does not appear that the check made it to us. Is Chase able to cancel the check and send a new XXXX? It may be it got lost in the mail and issuing a new one may be the simplest solution for you. 

My only concern would be if Chase claims the check has already cleared an account. In that case they should be able to provide you with an image of the cleared check. Typically on it would have the account it was deposited to written on the back. If they do n't have an image available then it has n't been negotiated which would lead me to believe it definitely got lost in transit somewhere. 

If you have any more questions or concerns feel free to contact us again. 

Thank you for choosing XXXX! 

As of XXXX/XXXX/2016 : I now have a balance with my XXXX Credit Card still, and now also have a balance on my chase card ending in xxxx. I am now making XXXX Credit Card payments, and Chase just gives me the run around. I have informed Chase that the check did n't apply to my account please open an investigation to see who cash the check. They refuse to assist me, and here I am with a credit card balance, and I did n't get the benefit. 

I am now filing a complaint withe Oregon XXXX XXXX, as I am being given the run around. This balance transfer was suppose to happen in time for XXXX, but now I am out more money than thinking I was going to save. Thank you XXXX for ruining my XXXX. 

Please assist. 
Rs
Nationstar Mortgage and attorneys   XXXX   XXXX   and   XXXX   XXXX   XXXX   of   XXXX   XXXX   XXXX   have improperly scheduled unsecured property for auction originally,   XXXX   XXXX  , 2017, and now   XXXX   XXXX  , 2017 without proper notice and without giving a payoff statement, invoice or bill for payment. In an earlier complaint regarding debt collection procedure violations,   XXXX   XXXX   of   XXXX   XXXX   XXXX   for Nationstar Mortgage provided an affidavit of service by mail dated   XXXX   XXXX  , 2017 of notice of sale scheduled   XXXX   XXXX  , 2017. In the same letter   XXXX   XXXX   maintains that the required 90 day notice under NY CLS UCC 9-611 was given. This is clearly untrue according to the documents   XXXX   XXXX   has provided. Upon repeated requests for a payoff amount or statement, Nationstar and their attorneys   XXXX   XXXX   XXXX  , have reported to the credit bureaus false information due to the fact that they report the debt as in arrears, but refuse to provide verification or substantiation and have failed and refused to give me a payoff statement, amount, or an opportunity to payoff the debt.
I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.
XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim my first payment was never received which it was and my payments are current so why are you showing them late.

This is a formal notice that your erroneous claim ( s ) is/are now disputed.

1. Payments are not being reported accurately 2. Not showing in dispute on report 3. Reporting negative info about me while in dispute I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. I also want my report to be void of all late and negative items. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : Defamation Negligent Enablement of Identity Fraud Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
well some time in XXXX I called the mortgage which is wells fargo to ask how much would it be to add taxes and home owner insurance to the mortgage and they said they would check and see and get back with but when they got with me it was a statement with the new payment amount with taxes and insurance added in so they never got back with me to see if I wanted to take it so they added it with out permission and now they are saying they can not remove it and not adding my payments to my account
Made payments to kohl 's credit card through my Bank under XXXX. Kohl 's keeps calling me and emails me that I owe for charges on line/in store purchases. The payments were made but they have yet to give me credit for my bill paid in full. My Bank has faxed the info needed by kohl 's but I have yet to hear anything from them other than they ask when I am going to make a payment. They have now charged me late fees and interest on payments I have already paid
When I prepared my taxes through XXXX XXXX. Once you complete your tax return you have several options for getting your tax return. One of those options was a netSpend Premier Visa Debit Card. Seems easy but read the fine print of the agreement before you opt for this card. There are fees that will deplete your refund and they will continue to charge you fees into a negative balance. The only way you can do business with them is through the Internet. There is no monthly billing, no statement of charges or purchases and no notification of your balance or fees charged when charged. If you call and try to close the account with a negative balance they will tell you that they will charge off the negative balance and off course that will go on your credit bureau. You options are to go to a XXXX or XXXX, load put money on the card to clear the negative balance then call them or go on the Internet and close the card. After raising the roof with them, being that it was a small negative balance they agreed to waive the small negative balance and close the card.
In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.
Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.
I SENT A LETTER TO THIS COMPANY ASKING THEM NOT TO CONTACT ME. IT WAS A LEGAL LETTER BELIEVE IT IS CALLED A CEASE AND DESIST LETTER. TO THIS DAY THE COMPANY STILL HARASSES ME ABOUT THE ACCOUNT. I CANT HAVE THIS MAN. I WORK OFF SHORE ALOT AND I DONT EVEN KNOW IF THIS IS MINE.
The three accounts below have a wrong balance. 


1. XXXX  XXXX XXXX XXXX {$120.00} {$300.00} 41 % Revolving Current XX/XX/2017 2. XXXX XXXX   XXXX {$140.00} {$200.00} 72 % Revolving Current XX/XX/2017 3. XXXX XXXX XXXX XXXX XXXX {$190.00} {$200.00} 100 % Revolving Current XX/XX/2017