WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX  XXXX XXXX has been sending me a collection bill in the amount of {$750.00}. They have alleged that I owed XXXX XXXX XXXX that amount. They are claiming that this account was opened in XX/XX/2016. That is further from the truth because I have been a loyal customer of XXXX for many years and prior to XXXX, I was a loyal customer to XXXX. I have been going through this for years! These scavenger collectors illegally try to collect on a debt that I don't owe. They re-age this alleged debt and it pops up on my credit report. This is unacceptable!
Paypal abuses its power and put hold on my funds without any reasonable reason. I have been with Paypal since XX/XX/XXXX ; I have a perfect record without even a single dispute or declined transaction. In XX/XX/XXXX, I started selling my business equipment on XXXX, I just bought these equipment in XX/XX/XXXX and XX/XX/XXXX, but I sold them on XXXX with about {$40000.00} loss of the price I paid for them just two months ago. These equipment were a source of income for me and I sold them with a huge loss for only one reason, to save the life of my 3 years old niece who needs a XXXX and XXXX XXXX  and living now on a XXXX XXXX. My niece is not a US citizen and not eligible for medical insurance or public assistance, so all her medical expenses are out of pocket and through fund raisings. I sold them with a huge loss because I wanted to sell them fast so I can help my niece get the needed XXXX. After I finished selling all my stuff on XXXX, I withdraw half of the money from Paypal and then I got an email from Paypal stating that my account got restricted and I need to provide proof of identity, bank statement, and invoices or receipts to proof the ownership of these equipment. I provided all documents they needed and after 24 hours they remove the restriction but they said they will hold all my money {$10000.00} for 90 days and they put 20 % rolling reserve on my account. I didn't sell my equipment with more than {$40000.00} loss to give the money for Paypal to hold it for 90 days ; I sold them to help my brother and his daughter. My niece is in a critical condition and we are short of money trying in all possible ways to collect the cost required for her XXXX. I tried in all possible ways to get them to release my money, I even emailed them hospital documents of my niece condition, hospital phone number and my niece name to call and verify, but unfortunately, I found out I were dealing with monsters who don't have any human values or mercy, they don't care about you no matter what you have or what you say. I have a % 100 positive  feedback on XXXX, not even a single return, not a single complaint, nor a single chargeback. Therefore, I am respectfully requesting that the hold on my funds be lifted due to the urgent circumstances I mentioned above
Synchrony Bank closed XXXX of my accounts without my knowledge and authorization. No accounting information was provided.
The home closed  on  XX/XX/XXXX  wi th    XXXX   XXXX  , then  sold to  XXXX . Payments started on   XX/XX/XXXX . All p ayments have been made on time. I have proof of all payments. Between the  two mortgage companies, the paperwork and transfer dates have been crossed up. I have been receiving phone ca lls on, late notices, and now late charges for payments that have already been received. I have tried to resolve this issue several times. As of yet, they have not worked together to clear up this issue.   XXXX   have a transfer date  of  XX/XX/XXXX , the n   XX/XX/XXXX  has a transfer date of  XX/XX/XXXX . I sent t  he   XX/XX/XXXX payment to   XXXX   XXXX    and  they refuse to send the payment to  XXXX  because they are saying it would make my account delinquent with them.
I sent a dispute to  XXXX  and  XXXX  in ref to a acct with   XXXX   XXXX   XXXX   over 30 days ago. They are reporting that the vehicle was a voluntary repossession and it was not. I asked the credit bureau to validate the information and to provide me with the names and information in which they used to validate the information. They did not provide me with anything. The balance they are reporting is {$7600.00}. I asked them to please remove it if they were not going to validate and provide me with the requested information that I have a right to under the according to the FCRA
The company is XXXX XXXX XXXX located in XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX and they are reporting on my credit report that I owe a debt from XXXX XXXX XXXX. I have sent them letters certified mail, return receipt asking for signature proof of the debt because I do not believe it is mine. when I write them, they respond with the same form letter, but nothing more, claiming " we are uncertain of what you are specifically disputing '', when I specifically say I want signature proof that I signed for the debt. Which I know I did not ... .They refuse to provide it and continue to report it on my credit. Based on the info they did provide, the debt is over 7-10 years old and while I have purchased computers from XXXX, I always paid by credit card so it was likely ID theft and again, they will not provide what I have asked twice to confirm I owe the debt
XXXX   XXXX ,  2017 Federal Trade Commission Consumer Response Center   XXXX   XXXX   XXXX ,  XXXX    XXXX   XXXX    XXXX   XXXX  : CREDIT COMPLAINT LETTER To Whom It May Concern : I am writing to file a complaint against  XXXX   XXXX   XXXX ,  XXXX , Transunion,  XXXX .  <P/> For the last 2 months I have filed more than  XXXX  disputes against  XXXX   XXXX   XXXX , reporting of my car loan balance and as of this 60+ day mark the issue has not been resolved.  <P/> I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with  XXXX   XXXX   XXXX  to date. Today I received another letter from  XXXX  stating that  XXXX   XXXX   XXXX  has properly investigated my balance and is still reporting my balance as {$19000.00} since  XXXX     2017 (  recently updated i n May the s ame balance. I also received an alert from Transunion that my balance is {$19000.00} and has been so since  XXXX ,    2017 I co ntinue to send the same documentation to the Transunion,  XXXX  and   XXXX   ; I have called   XXXX   XXXX   XXXX   and the representative was clear that my balance is not {$19000.00} as being reported by the company to the credit bureaus and the credit bureaus are not reviewing the documentation as they are supposed to. Enclosed I have copies of my auto loan statements from  XXXX ,  XXXX  and  XXXX  as you can see the statement dates are the  XXXX  of the month and no not show a balance of {$19000.00}. According to the FCRA I have a right to an accurate credit report and this is not accurate. If the credit bureaus refuse to report the information properly then I have a right to damages for non reinvestigation.  <P/> I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below.  <P/> Thank you for your assistance.  <P/> Sincerely,  XXXX   XXXX
they garnished my bank account and put a levy on it, which caused me to bounce my checking account and put me in debt. No one ever contacted me about this garnishment they just took XXXX from my checking account
My name is XXXX XXXX i deposited checks for my aunt because her id was ex she just came out of a homeless shelter in XXXX ny the XXXX XXXX paid a years rent the checks are made payable to her old landlord and her the landlord renigged on her place and left her and her XXXX children in the cold streets she was able to get a new place the bank released tge first three checks of XXXX they have been holding the other XXXX for the past tgree weeks human resource administration cleared the money for her but the bank refuses to let tge funds go this is federal money homeless act we gave the bank everything they asked for and still refuse to let the money go in order for XXXX XXXX case in ny to be closed she needs the money to pay her new landlord and send proof to hra in XXXX  please help us
I filed for bankruptcy. I got a discharge of my debts. US Bank is my mortgage holder. They refuse to report that I have a mortgage to the credit reporting bureaus. They also wo n't release my mortgage statements for the last three years.
APPLIED FOR CREDIT CARD FROM XXXXXXXX XXXX  RECEIVED LETTER DATED XXXX XXXX2017 THAT 'THERE WERE EXCESSIVE OBLIGATIONS IN RELATION TO INCOME. ' I WAS UNABLE TO GET ANY REPORT FROM CREDIT REPORTING ( XXXX EXPERIAN ... WHICH WOULD SHOW WHERE THIS INFO WAS COMING FROM. I HAVE ONLY SMALL CR. CARD DEBT WHICH I PAY ENTIRELY EACH MONTH ... NO MORTGAGE OR ANY LOANS FOR CAR ETC. HAVE PLENTY OF SAVINGS ... MONTHLY INCOME WHICH TAKES CARE OF MONTHLY EXPENSES BY ITSELF ... .. XXXX XXXX HAVE LIVED IN XXXX AT XXXX XXXX XXXX FOR 14 YRS. BEFORE THAT @ XXXX XXXX XXXX XXXX. ALSO IN XXXX FOR 29 YRS.
Paypal Credit is requesting a high minimum payment well over XXXX, I do not have the exact amount available, however, I know its over XXXX. I understand the account is past due, however, this amount far exceeds my weekly paycheck. Ive attempted to request this amount lowered, however, calls are transfered over to collections and reps will not lower amount. This is highly unfortunate as it is in the best interest to cooperate if they wish to see any kind of payment ( s ) at all. Please advise them I can not pay such a high amount, it will have to be lowered. Contrary to what they claim, attempts were made via phone to lower payment amount, they state they have no record of any such calls. Not every single call is documented, this is no surprise, however, they like to claim otherwise. They are more interested in making payment arrangements than actually lowering amount, arrangements are just to get some payment made but do not offset any charges, fees, etc.
Rubin and Yates LLC XXXX from New York on XXXX/XXXX/2015 threatened to have my wife arrested and have her picked up on her job in regards to a delinquent payday loan. Also they told her the debt be would settled for a different amount than we are being asked to pay.
XXXX XXXX XXXX XXXX service sent 2 people to my house to clean for 3 hours. They only cleaned the house for 2 hours. I was told by the vendor they would credit me back {$40.00}. Bank of America denies my request for assistance because it was done over the telephone and their VISA vendor does not provide receipts via email or US mail. I'm entitled to my {$40.00}. The vendor appears to know this because they have ceased corresponding with me. I've posted feedback on XXXX and XXXX XXXX XXXX but still nothing. Refund 1 hour of cleaning services not rendered in the amount of {$40.00}. My alarm and door entry records proved when they entered and left. I've told Bank of America this and the Vendor. This is why the Vendor agreed to the refund me but didn't for an unknown reason. Bank of America didn't consider those facts ... only a hardcopy receipt ... makes no sense except to rip me off.
Well for the last few months I have been sending XXXX XXXX, XXXX, and Experian 609 credit dispute letters for the following accounts. XXXX XXXX XXXX account number XXXX. XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.
There is an address reporting on my credit report through XXXX XXXX XXXX XXXX XXXX md in 2009 and it belongs to XXXX XXXX XXXX I did not live at this address I was living with my parents in XXXX XXXX XXXX XXXX XXXX DE XXXX attending XXXX XXXX.
I have repeatedly had to submit complaints about several separate times of this company calling more than one time per day leaving message. After the frist complaint they said they would stop doing that because that was wrong. It still continued. 4 separate days I had 2 voicemails and I again made a complaint but nothing was done again. I got a call today Monday XX/XX/XXXX and they left a voicemail that did not state the company name but did give a phone number to return their call and the message stated that payments made recently would not clear the deliquieny status of the account and that I should call to see if there are any options left. I called the company and all they said was that they would review the call and do internal training. This company continues to call and leave multiple voicemails on same day and has now left messages about collecting on a deliquent account and has not corrected thier behavior.
Dozens of calls from XXXX numbers from Portfolio Recovery. They are looking for someone named " XXXX '' who had this phone number before we did XX/XX/XXXX. I 've told them this in the past yet they continue to call. I was forced to get a call blocker just so I could ignore them. We have never had any kind of debt go into collections at any time. We have never had any debt in arrears at any time ( this is over 40 years time ). We are not who they are looking for but they will not stop calling. 

I 've attached a partial list of some of the numbers and dates that Portfolio Recovery has called. These all came after I had informed them that the person they are looking for no longer has this phone number.
XX/XX/XXXX- Woke up to an email from Chase Bank Fraud saying there were suspicious charges on my account and to call if they were unauthorized charges. Chase denied several charges, but 3 went through ( {$1.00}, {$71.00}, {$100.00}, total of {$170.00} ). Charges took place in XXXX, Texas. I have proof ( through the same card with transactions ) that I was in XXXX, New Mexico when the charges took place. 
I called Chase on the morning of XX/XX/XXXX, explaining that I was in New Mexico and the charges were indeed fraud. They shut down my card, put the money back into my account and ordered a new card. 

XXXX XXXX I realized that the charges were reversed and taken out of checking account again. I spent an hour on the phone with the Chase escalation department explaining that I was in New Mexico, 10 hours away when the fraud charges happened. The Chase employee said that my story was valid and there was no way I could have been in XXXX, Texas where the charges occurred. I used my Chase checking card 4 hours before the fraud charges. The fraud charges happened 10 hours away from where I was! He filed a claim with this information. 

XX/XX/XXXX My claim was denied. Chase said the charges would stay on my account. I called Chase fraud escalation again, this call lasted 40 minutes. The Chase representative said that there was more than enough evidence to make the charges fraud.

1- I had proof I was 10 hours away from the fraud transactions.

2- There were 3 approved transactions and 4 denied transactions, making it look like someone kept trying to use the card until it was approved anywhere. 
3- They did not use an authorized chip card XX/XX/XXXXt- I just received correspondence from Chase that my claim was denied again. 

I do not have the exact times that the Fraud charges occurred, but I have attached Chase email from XXXX the morning of XX/XX/XXXX ( Chase rep said the charges happened 4 hours after my XX/XX/XXXX purchase [ plus the 1 hour time difference ] ). I have also attached a XXXX XXXX XXXX from the night of the XX/XX/XXXX in New Mexico.
I cancelled an insurance policy with XXXX because they raised my policy more than double within a couple months with no justification.I called them on the phone after I already picked up CURE insurance told them I 'm cancelling and why they said it was cancelled at that moment we spoke. Next thing I get a letter I owe them XXXX and at the time I cancelled I owed them nothing They took their time dropping me from policy and expect me to pay for them when I already was paying CURE They put it as a collection on my credit report XXXX deleted it off my credit report but XXXX still has it on there
My wife and I received a Green Tree Servicing letter stating that my home equity account was forgiven as part of the XXXX XXXX XXXX XXXX settlement. On page XXXX of the letter the last paragraph states, " we will report to the major credit bureaus that your account was paid and closed. '' The forgiveness has been processed. However I have spoken to Green Tree Servicing several times because they will not provide a letter that it has processed and they are saying they will not report that language to the credit agencies. They stated it in black and white on their own letter I didnt negotiate this language and now they need to honor what they stated.
After spending less the XXXX minutes on the phone with a representative named XXXX, he not only was very rude but threaten to take legal action against me for a {$250.00} dollar debt. This company is n't in the same state as I am nor do I think it is acceptable to verbally abuse and threaten legal action, without even sending a client a letter of the debt they owe.
In XX/XX/XXXX/XX/XX/XXXX my account was updated to reflect that I did not want any calls from this company to my job or any phone numbers that I am associated with. I have recently received 3 phone calls to my job from this company. The 1st call was on XX/XX/XXXX at XXXX XXXX. The next call was on XX/XX/XXXX at XXXX XXXX. I told the agent that there is already a cease and desist on file and his company should not be calling this number. He stated that he would update the account and I would not receive anymore calls. On XX/XX/XXXX I received a call from this company at XXXX. I am now feeling harassed by this company because I have asked them to stop calling and they have refused to do so. They are calling about a XX/XX/XXXX vehicle that I have traded in. The payoff has already been sent to this company by the dealership. My employer does not allow any personal calls and this company continues to call. I want all calls to stop immediately.
I called Capital one credit card for balance transfer and spoke with XXXX he informed me that the promotional offer 0 % balance transfer only can be done at XXXX, so after login to my account and try to submit it I notice the offer is 17.99 % with XXXX fee to transfer my XXXX XXXX XXXX XXXX is only 16.99 % so is very stupid to do so, but the question is it seems capital using this scam for none speaking English people ( minority ) that can not read the disclosure, if you use the internet Capital one can claim i signed and read disclosure and offering XXXX fee I never thought about I am XXXX years old and never seen this before and I know is an offer but intend of capital one to do it on the internet and adding the XXXX ( XXXX ) fee is very ambiguous and offering it only to minorities, i know bank has to make money but no fraudulent why not do it both way internet and phone.I hope this complaint stop capital one and do not rip off people, capital one must understand not many people can read and wright English. thanks
XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX   job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
I opened this credit card on XX/XX/XXXX, XXXX credit card interest rate 37 %, XXXX $ annual fee. Per contract every year with no late payments they would give you a credit increase. On XX/XX/XXXX recieved a credit increase of XXXX $ and also charged an annual fee of XXXX $ which actually was only a XXXX $ increase in credit. I always paid on time and even paid card off two times in that year. Was promised in one more year on time payments in XX/XX/XXXX, another credit increase. When I called to request increase, i was denied credit increase, and informed I would be charged a larger annual fee of XXXX $ for the use of the card! I was told that employee was new there and he did not know why I was denied. I had no late payments. He stated I would recieve the reason in 7 to 10 days! I called back the same day and was told by another new employee I had been late on my payments two times! I was using this card at 37 % interest, an annual fee, and no cash advances to build my credit history only. Never late on a payment or charged a late fee. Was told I would recieve a notice as to why I was denied in 7-10 days. I  recieved two letters 7 days later. The first one said to many delinquencies, to many transaction declines in past year and insufficient credit history! There were a lot of declines due to this card being on my XXXX XXXX, and was fraudulently charged so removed all credit cards from phone. I was never delinquent! And I also had the card over two years with on time payments! Plenty of history. The second letter I received the same day, stated I had applied for credit increase to soon and to reapply in30 days. Over a year had passed since last credit increase! I called the company, closed my account, and stated I would not be using the card anymore, so would not pay the annual fee they charged to the card, either. I also stated I would pay my balance of XXXX $ on time until paid off. My credit report shows account as still open and my balance increased to XXXX $ which was the annual fee added to the balance due on card! Does not show a late payment but I demanded them to close account, and deal with the consequences, than work with criminal practices. I have wrote the company, and have recieved no response, just s bill. I am working hard to rebuild my credit, and I feel this company is taking advantage, or scamming people into believing they will help, and pocketing millions of dollars. Something needs to be done. They are ripping people off.