WillisBack/dataset-financial-user-claim huggingface dataset:
I purchased a XXXX XXXX cell phone from XXXX. I was hospitalized in XX/XX/XXXX, was off work, returned to work XX/XX/XXXX. In the months I was off work, I received letter from XXXX XXXX account in Suspension, balance due {$230.00}. 

The account has been turned over to Convegent Outsourcing , Inc. My original call to Convegent they  insisted that I provide them with a credit card number, with the payments being taken out of my account by charging my card every month. I told the representative, I would be paying the account to them with a check/payment coming from my bank. The representative insisted that I had to make they arrangements with them the way they stated to me. I told the representative I have made a payment to Convergent, you will receive the payment within three days which they received 7 days before the XX/XX/XXXX. Calls from Convergent were coming up on my cell phone and I also received 3 call from them to my home phone, which I never gave them. I returned their calls last week or earlier this week, told the representative the same conversation I had with the other representative previously. Today, Saturday, XX/XX/XXXX, on my home phone and its XXXX XXXX from Convergent, telling me they tried to charge my credit card on XX/XX/XXXX and the charge was denied. I said let me repeat this again, " there might not be any funds on the card on the XXXX of the month, my bank will send payment/check before the XXXX of the month, XXXX XXXX, started raising his voice, tell me I can not make that arrangement. I proceeded to hang up the phone. 


This is definitely continuous harassment. The payment are being made and paid before the XXXX of the month.
XXXX XXXX XXXX policy requires adverse reporting to credit bureaus for seven years for accounts which have been PAID IN FULL following placement into profit and loss status. XXXX is taking advantage of protection provided by a FCRA that does n't exist. FCRA Section 1681c relating to Accounts placed for collection or charged to profit and loss does not directly or specifically include accounts charged to profit and loss which have a CURRENT PAID IN FULL status. The law clearly states Accounts placed for collection or charged to profit and loss WITHOUT specifying reporting of accounts which have a PAID IN FULL status following a charge to profit and loss. I do not believe the INTENT of this FCRA law is to penalize a debtor who has PAID HIS DEBT IN FULL AT ANY TIME. Continued adverse reporting to credit bureaus penalizes the consumer AFTER he has paid his account IN FULL. Additionally, as a result of the lack of inclusion of accounts which are paid in full status under FCRA, XXXX has no right to maintain and adversely report information which the government has deemed nonexistent and not covered under this law.
On XXXX XXXX Transunion removed XXXX inquiries from my credit report. I received alerts from numerous sites which I use to track my credit progress. About a week later they added the inquiries again. I called regarding the unlawful reinserting of deleted information and after being placed on hold for 2 HOURS they tell me they are only removing XXXX inquiry. I have called 3 times with no help. These are the companies and inquiry dates that they removed and then added back added back XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX. 

I attached the report where they removed the inquiries on XXXX/XXXX/XXXX and if needed I can show the report from when they added it which was XXXX/XXXX/XXXX.
I have attached a copy of my identity theft report, I was inquiring in regards to purchasing a home in XX/XX/2018 and reviewed my credit to file accounts that were not for me, inquires and a address that did not belong to me. I had a fraud alert placed on the credit report, but the accounts have not been removed within the XXXX business days, as stated in the FCRA terms. As set forth by the Federal governing body. This has harmed my ability to complete the purchase of my home and has cause major stress and a financial hardship for me. Due to the fact that it, effects my ability to get approved for a home loan, the payment and interest rate, in addition to the fact the the current market is on a upswing and the purchase price of homes are increasing and my ability to purchase a home and gain increased value from a equity position.
My father was contacted by a debt collector ( Revenue Recovery Corporation ) by phone last week claiming that I owed money to a hospital for my son in an amount under {$100.00}. My father was mailed a letter and he forwarded it to me. There are several issues : Upon receiving the letter, I had to dig through records from XX/XX/XXXX to find an EOB with the amount. I have an XXXX debit card, so all my payments are tracked. I could not find a transaction with that amount. That means that I was never sent a bill in the past year. I was also never contacted by the hospital or debt collector by phone, e-mail, or mail. The letter also states that " Pursuant to your telephone conversation with our representative, you promised to pay $ XXXX on or before XX/XX/XXXX ... .If we are not in receipt of your payment on or before the due date or have not heard from you why, we will proceed with further collection activity. '' So, the hospital has not billed me, but they sent me to a debt collector. The debt collector never contacted me, but spoke with my father who lives in a different state and the debt collector claims that I agreed to pay a certain amount by a certain date.The letter also only has my name, not the name of my son -- who it is supposedly for. There is also no account number for me to reference ( either for the debt collector or the hospital ). They also have given me 4 days to pay before destroying my excellent credit which has no late payments or public records of any kind.
I met with the XXXX guy at my work parking lot and he sold me a scanner, smoke tester, pcm reflash, and a few other items that I could use while I was working. I was approved for the items and they cost approx {$6000.00}. I no longer needed a few of the items and I needed to lower my payment. The XXXX worker took back the PCM reflash which was almost $ 3k. Which should have lowered my amount. I never saw the decrease. He said that he would have to return it himself, but I never got the part back nor did I ever get that amount removed from my account. I paid quite a bit of money and I do not feel that this should be on my account I would like it removed.
Opened a Discover Card XX/XX/XXXX with 0 % APR and 23.99 % Cash Advances. I later closed my card in order to pay it off since I was laid off from a job. I had been making payments regularly and I realized my balance should be paid in full given the interest rate, amount paid, length of time I paid on the card. XX/XX/XXXX I send a certified letter requesting my initial agreement and statements. Discover card signed in acknowledgment of receipt of the letter. I was never sent anything. 

While I was waiting for the letter I requested I was sent a letter stating that I would be sent to an attorney for a lawsuit. I called and explained I was waiting on a response letter from discover card ; I think I'm getting charged the wrong interest rate, I am not sure I agreed to this, and I have been paying it for years. They lowered the interest rate and allowed me to make a one time small payment to avoid being turned over to a lawyer. They did affirm, multiple times, they will be sending my initial agreements, statements, and if charges were wrong it would be rectified. 

I finally received my statements in the mail, but not my initial agreement. My interest rate in XX/XX/XXXX was 20.24 % APR and 25.24 % Cash Advances. I called again, and they told me if they can find it they will send it to me. I ask " what if you can't find it? I don't want to take discover cards word that I was not overcharged '' they said another department will handle that. 

I have been trying to resolve this issue for a very long time. I just need validation of my initial agreement and if I have been overcharged I feel I should be reimbursed for the 7 years of being over charged. ( I was not getting statements in the mail and I am not sure what email they had for me, or I would not have had to demand my statements 3 or 4  times ).
Twice I have been a victim of identity theft. I have submitted police reports to all 3 bureaus about a year ago. There is a fraudulent account on my credit report with all 3 bureaus. I have asked that they show signed documents or anything to show this is my debt. I have been in XXXX XXXX Nevada since 2015. This XXXX  XXXX XXXX was opened in a different state. Alabama. It is a cable bill with XXXX XXXX. This is not my debt and I asked that all 3 credit bureaus remove from my credit report immediately.
I requested a mortgage modification from my mortgage servicer, Wells Fargo Bank is refusing to modify my mortgage. My Father recently passed and he was XXXX for the past year and I had to assist with his care and medications until his death. My loan currently does not include my taxes and insurance in escrow and I also have a second mortgage on my property as well. I do not want to lose my home. I would appreciate your assistance in this matter. I have also submitted financials with the mortgage modification request. Please see attachment.
I have tried to setup recurring payments for a specific amount, but it would only let me setup recurring payments for the minimum amount. I wanted to aggressively pay off my student debt, but they prevented me from doing so. This costed me additionally in compound interest over the life of the loan. It has been frustrating.
Eastern Account System has placed a account on my credit that is n't mine from XXXX in the amount of {$320.00}. I 've reached out to XXXX on numerous occasions and the only information that was given to me that it is a account sold to Eastern Account System also that this account is 2 months away from reaching the statue of limitations in the state of Georgia and also could n't identify the debt as being mine. I wrote Eastern Account System to receive a debt validation, I have n't yet received any response. I 've called them at the number reporting on my credit report which is XXXX and left several messages on the their voicemail with no response.
My wife and I have a joint checking account with Bank of America. My wife and her son also have a joint checking account with Bank of America. These two accounts are separate accounts. My wife 's son has been mishandling their account and it was overdrawn. On XX/XX/2018 Bank of America transferred {$1600.00} from my account to cover the overdraft on their account. Bank of America did not get any authorization from me or my wife to make that transfer. I spoke to a teller at the XXXX XXXX, NJ branch and she said that Bank of America could do this because the accounts were related.
I contacted my local federal courts regarding the Chapter XXXX and they told me they do not verify anything to any third party entities. Experian has failed to send me any written tangible evidence that they legally verified the bankruptcy.
Since Nationstar did not comply to my previous request, I would like to add to my previous complaint ( XXXX ). Please, se the attached letters. CFPB is welcome to publish them. Thank you.
XXXX- XXXX  XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX , ( XXXX ) XXXX. This company since XX/XX/XXXX, has reported on my personal credit report. Since XX/XX/XXXX has reported a negative account stating I personal owe them {$780.00}, which since has been placed as a collection account. I have submitted numerous disputes providing them with documentation that this is indeed an coporation account for XXXX XXXX XXXX XXXX and not my personal account. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Virginia XXXX, had two accounts XXXX  and XXXX. They reported on my credit reports starting ( XXXX ) XX/XX/XXXX and ( XXXX ) XX/XX/XXXX. Since it also shows as a collections accounts for both on all 3 credit reports. I made an agreement with the collection agency XXXX XXXX to pay for deletion. I have both letters that I have submitted numerous times proving such agreement exists. I have since been denied over 5 times for such deletions. I still have the letters to prove this with and do not mind sharing to get this done as it should of been on XX/XX/XXXX as the letter states. 

I have since been denied a home loan due to the failure of these companies to submit accurate information and hold their promise on a contract we all agreed on. This is a direct violation of my rights under the fair credit reporting act.
URGENT! ACTION NEEDED : False representation, unethical behavior and consequent actions of a medical facility and health corporation along with padding medical costs, etc. : I went to court yesterday, at XXXX in the XXXX County Justice Court in XXXX , Mississippi , an attorney with Healthcare Financial , the legal representative for XXXX XXXX Hospital presented legal proceedings against me for medical bill debt collection. It was at XXXX XXXX Hospital 's Emergency Room where last summer, in XXXX, I received Emergency Room medical services, one, in XXXX machine for XXXX which skyrocketed the bill, and Paid {$40.00} on bill and was not reflected at court, XXXX, Tuesday, XX/XX/XXXX. So, before any collections, my bill was paid before judgment and notice, why should I now after court and stating my case face financial repercussions. There in Justice Court, the Judge XXXX XXXX ruled in favor of Healthcare Financial ( XXXX XXXX Hospital ) in a ruling of over {$1100.00} in ER medical costs ( the original cost, not reflecting the {$40.00} paid while in good standing-UNFAIR to turn over to collections ), court costs and attorney 's fees, even though Healthcare Financial with their paperwork quoted me as owing the entire amount of the medical bill, not giving credit nor taking into account the {$40.00} I paid back in XXXX to the XXXX XXXX Hospital and I have my receipt. The original medical bill only, after I paid {$40.00} in a good faith effort was {$850.00}. Early on in summer XX/XX/XXXX, less than a few weeks after receiving services, I contacted the hospital requesting to make payments of {$10.00} to {$20.00} a month and more when I could afford to and was declined. I was told the least payments the hospital would accept was {$40.00} a month. With all my tons of bills, I struggled to make any payment, yet, while my medical account was in more-than-not, in good standing. I told the attorney I paid {$40.00} on my medical bill, and she said to me in the presence of the judge, " You should n't been able to pay them. They should n't took a payment from you. '' But they did! And I have the receipt from XX/XX/XXXX. However, in Justice Court before all speaking aloud, the attorney for Healthcare Financial-XXXX XXXX Hospital said after I asked the Judge, XXXX XXXX could I continue on making payments or more affordable payments to the hospital and the attorney said I could pay a COLLECTION AGENCY, and the damage has already been done. I was more than not devastated. The attorney did not take into account the {$40.00} payment and asked for better arrangements, therefore my account should not be turned over to collections in such unethical and credit not taken into account.
I set up a payment plan with the company ; 4 payments of {$20.00} on the  XXXX  and the  XXXX . I called on  X/XX/17    to CANCEL the payment and the gentleman on the phone told me he would have the payments deleted. I am unhappy with the call. It was unprofessional and the man did n't read any disclosures nor did he verify me or assure me that he was even on the correct account until I questioned him about it. My card was still charged on  XXXX  even though I was told it would be canceled. I called the company to request a refund but the payment coming out has cause me to be unable to take care of other pressing matters. I do not feel comfortable dealing with this agency. The call made me feel as if I was n't speaking with an actual legitimate company. I feel lied to and even though {$20.00} may not seem like a lot to most it is a lot to me.
i received a letter from American Express saying " I have been qualified and enrolled in the Select & pay Later feature .... If you do not wan to be enrolled in Select & Pay Later, please contact us ... " If you cancel you will not be able request this program in the future back. 
They list the charges at 18.49 % APR. 
This is was in a letter that could have been easily thrown out. This is not something I asked for. This is a way they can trick customers and force them to pay high interest charges when they sign up for credit card which is designed to have the balance paid off at the end of the month. This is predatory behavior and should be stopped. They need to ask your permission to enroll in the program, not you must call in to cancel something you did not ask to be enrolled in.
On XXXX XXXX,2017 I submitted a formal request to have Citibank NA and XXXX XXXX ( collection agency ) validate the alleged debt and information appearing on my credit report ( XXXX ). Citibank account number XXXX, alleged amount owed XXXX. I wrote the request within the 30 day period as requested by XXXX XXXX, the collection agency. On XXXX XXXX, 2017 XXXX management wrote a confirmation letter of the receipt of my request to validate debt and all information reported by Citibank on XXXX. See attached docs. It is now XXXX XX,2017 and Citibank and XXXX XXXX have failed to provide me debt validation and validation on the information reported on XXXX. This is a violation of FCRA and the account should be removed immediately due to their failure to provide proper validation as required by the FCRA. I have disputed this many times with Citiback and XXXX. If they are unable to provide documentation proving their information is accurate the account should be permanently removed from my XXXX credit report. Letter and tracking attached.
foages now this number has tried to collect by nasty means XXXX XXXX XXXX XXXX dont know who they are and dont know the who what of entire matteXXXX
The call rep was very rude, and i disconnected. I was calling about inquiries that i didnt do
I was misled by Santander Bank about the extra 20 checking account. I would n't have opened the checking account and moved all of my banking if I knew that the promotion was temporary.
My name is XXXX XXXX and I am the XXXX. On or after XXXX XXXX, I opened up XXXX business checking account ( s ) with SunTrust XXXX I was in the branch for several hours working directly with the branch manager, a personal banker and a merchant account representative. I specifically, requested that my accounts be linked to prevent overdrafts, along with other request. I left that meeting with the direct impression that all of my needs had been met. 

On or after XXXX XXXX, I filed a dispute inside of the branch regarding XXXX debit card charges that were wrongly assessed to my account. To date I have not received any credits for those charges. On or after XXXX XXXX, my account was assessed over draft fees which totaled roughly {$180.00}, for debit card charges and a check transaction ; although I had more than enough money in my account ( s ) to cover them. 

I spoke with the branch manager " XXXX '' who rudely argued with me and informed me that my accounts were not linked and that I had never requested that service. All of which is not the truth. We bantered back and forth about it and he reluctantly gave me a credit for those charges. I told him that I would come in and refill out the required documents to have my account ( s ) linked. 

On XXXX XXXX, XXXX and the XXXX I tried unsuccessfully to transfer money from my merchant account to my operating account via my mobile app and my desktop computer. It kept giving me an error code. On XXXX XXXX my account went into the negative, a check for {$1000.00} had been returned and numerous fees had been assessed. I went to the branch and spoke with " XXXX '' about my account. Once again I had the money in my account ( s ) but due to a bank system error, it would not allow me to transfer funds. XXXX stated that sometimes the system will block you, if you are attempting too many transfers in a day. He told me that he would not credit me back for the fees, even though it was not my fault. I told him that I was going to file a complaint. 

On XXXX XXXX, I attempted to place a stop payment on the returned check but the SunTrust system, would not allow it, so I went to a branch ATM and withdrew out {$1000.00} to cover the check in cash that had been erroneously returned. On XXXX XXXX, the same check was re-presented for a second time and my accounts were assessed multiple fees and has remained in an overdraft status for two days. It 's egregious that I have had numerous problems with my account ( s ) in addition to having enough funds to cover every transaction that I have made. Lastly, I have had to deal with an argumentative and overzealous branch manager that has a clear problem with listening, understanding complex situations and the need to prove himself right in the face of overwhelming truth that he is not right. I am requesting the following : 1. All overdraft and return check fees be refunded to my accounts. 

2. A block be placed on check number XXXX, in the amount of {$1000.00}, because it has already been redeemed in cash. 

3. That my XXXX debit card disputes, be credited back to my account. 

My account ( s ) numbers are : XXXX XXXX XXXX
Capital one closed my card due to the BANK RETURNING THE PAYMENT BECAUSE THEY THOUGHT IT WAS FRAUD!!! I told them this months ago when I had two returned payments and no one warned me at all that on the third return payment they would close it. I can provide proof that it wasnt my fault! Ive never missed a payment on this account ever! I either want. New card opened or I want my money back. I live alone and Im a single parent I cant afford to just lose that money! I cant believe they treat their customers like this smh
I purchased a car with my daughter from Toyota of XXXX on XXXX XXXX, 2016. Around a week after being approved i questioned the finance terms that were in our loan. The next thing i know they are trying to make me pay to be financed at a lower rate thru a different lender than i was already approved for. I declined the offer for several reasons but now 3 weeks later Toyota calls me saying that Toyota motor credit wont allow my original loan to be processed because I 've been offered a better deal. Fair lending laws wouldnt allow it so i had to sign the new contract. Even though we where not even informed about the terms of the new contract until the day that she called saying my loan wasnt approved. She claimed to have offered to lower the sale price of the car as well as lower the price for the warranties and extra coverages that were included in the car loan while we were talking in her office but she never mentioned any of this to me or my daughter when we sat on her office. All she mentioned was lowering the interest rate to 7.5 % upon approval which would save us {$40.00} a month to equal {$3000.00} over the whole term of our loan. The finance company has done nothing but mislead me at this point as well as attempt to charge me unnecessary amounts of money to get financed for a car. When the finance manager kept insisting that i sign the new agreement i began to feel threatend especially when the she said that she would send somebody to me to get the papers signed by me. Thats when i informed her that i was seeking legal advice. I have attached supporting documents. Please help