WillisBack/dataset-financial-user-claim huggingface dataset:
Today 's Date : XX/XX/2016 Performant Recovery , Inc . 
XXXX, XXXX XXXX XXXX . 
XXXX, XXXX XXXX Dear Collector : I will list items where you have violated FDCPA rules which violate my rights. Thus, I will now file a complaint and take legal actions against your companies. 

The FDCPA Prohibits Collectors from : Failing to cease communication upon request : Both companies were given in writing, a cease communication request. I have the return USPS signed return receipts! 
Repeatedly and continuously calling : I have a log of aggressive harassing calls. 
Communicating with consumer at their place of employment : Staff has notified you on several occasions, said company is NO LONGER at this location / telephone number that was called. 
Communication with a consumer represented by an attorney : Please be advised, I have an Attorney who represents me! 
Threatening arrest or legal action : Please be advised, as per staff, upon last communication with XXXX, XXXX representative stated, " Fraud Charges will be filed ''. This is a flagrant abuse and harassment beyond the scope of your practice! 

Please be advised, I will now take legal action and file a formal complaint with the Federal Trade Commission.
XXXX  and  Transunion  are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,   XXXX   AMOUNT {$1900.00} PLAINTIFF  XXXX  ACCOUNT HOLDER Individual COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,  XXXX  AMOUNT {$4500.00}
This XXXX XXXX  XXXX account is fraudulent it was removed from my credit report by the creditor, and XXXX  has placed this account back on my report. please remove and block this account from my credit report immediately and permanently. this is causing my a lot of health issues with my XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Status Closed Balance {$9400.00} Type Installment Loan Payment Status Late
I've sent multiple certified letters to remove Multiply inaccuracy on my credit report. It's getting quite frustrating and taking a toll on my emotional state of mind.

XXXX XXXX account is Fraud account Ability Recovery Service is mine debt
As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. 
I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. 
At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. 
In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. 
And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. 
I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. 
I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. 
This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people.
My account with Bank of America is in good standing but, after my XXXX daughter had problems with her account they started mixing things up with me. 
Now their telling me that my account was closed even though they just sent me a new card and I even was able to activate it and my account is at XXXX balance. 
They claim its because of my past credit problems after the passing of my wife and are now corrected but, when they were n't corrected they did n't have a problem keeping my account open. How can they justify closing my account that is in good standing for years and say its because of thepast with someone else but, has been fixed?
Background - I was a XXXX of few corporations and i signed in capacity XXXX XXXX of those corporations on their Insurance Policies. We obtained WorkersComp Insurance from XXXX for Fiscal Year XXXX and paid 100 % of premiums at the time of Policy Inception. 

XXXX successfully conluded the Audit in XX/XX/XXXX ( for XXXX policy ), with no additional premium requirements. 

Matter - XXXX failed to correctly report the said numbers to respective Government Agencies. As a result of this Wisconsin Department of Workforce Development notified that we did not pay our premiums. After repeated emails to to XXXX XXXX company from me, they still failed to report it to Wisconsin DWD. I  have records of all the emails sent to XXXX requesting to rectify the records with Wisconsin DWD Wisconsin DOR filed 3 Cases against me Personally and all those cases are appearing on my credit. When i found out, i filed companits with Illinois Department of Insurance and WI Department of Insurance. 

Thereafter XXXX rectified their mistake. 

However, the Public records indicate - JUDGEMENT SATISFIED.

Complaints : 1 ) the cases should not been filed against me personally.

2 ) the status should have been CASE DISMISSED, not Judgement Satisfied 3 ) Due to inaction of XXXX, my credit has been damaged significantly and banks have refused to loans to buy new business - i have proof of all of it. this has deprived me of my future growth. 

thank you XXXX XXXX XXXX
Wells Fargo is still doing deceptive banking in 2018 On XX/XX/XXXX 2018 I applied for a Wells Fargo credit card. I was approved and 5 days later ( before ) I even activated the card they WITHOUT AUTHORIZATION did a balance transfer to that card and charged me a fee of {$180.00}. I never authorized this I only applied for a new credit card at their bank. Within the cc application they asked two questions which had to be answered to move the application forward : What is your interest in applying for a Wells Fargo Card : I said, I might be interested in a balance transfer What account would you do the balance transfer for : I tried to leave it blank but the application would not go through. I tried to use a catch all phrase like a " a XXXX XXXX account ''. Again the application would not go forward. You had to give Wells Fargo an Account number for the application. Three days later they did a banking transaction to the account number forced in my application without my permission. Then they charged me a fee of {$180.00} dollars to do it. Wells Fargo is still doing their deceptive banking tactics!!!!!!!!!!!
The first occurrence was XXXX XXXX, 2015 in the amount of {$370.00} at which I notified the company of the error, the company did not notify me. Second occurrence on XXXX XXXX, 2015 in the amount of {$370.00} at which the company was notified of the same error and is currently unresolved as well, again I was not notified of the error I had to notify them. On both occasions the representatives that I called have requested and they have received faxes of the occurrences on my account at which they confirmed that they were received via fax to the representatives and management team of the company. All documentation showed the amounts debited in error, fees resulted from the error. The representatives and management team has promised as per the conversation to reimburse the amounts and any applicable fees associated with the error. I have met each demand the company had requested, I also faxed them documentation that I want a resolution. I contacted the company and verified they have received all the faxes, and I also requested for everything to be noted on my account. The have only reversed the XXXX charges, however have not reimbursed me for my fees. I was charged {$36.00} for each transaction by my bank as an NSF fee, and I have also been hit with {$140.00} in overdraft fees for my personal charges to my account that went NSF due to the {$370.00} charges. I have submitted written documentation that I want resolution, I also want verification of the error and the solution of the error. The company has not sent me any documentation that I requested, I then requested for termination of my lease with the company as they violated the contract agreement. The company has failed to comply with all.
Account closed who still showing a balance of {$2300.00}. I would like this account to show  XXXX  balance immediately on my credit report.
Complaint against Wells Fargo Bank, N.A. <P/>On XX/XX/2017 Friday around XXXX XXXX. pacific time I entered the bank and deposited my paycheck. My employer also banks with Wells Fargo. The bank rep asked me the regular questions and she asked if I always get checks from my employer, I say yes and that they also bank with Wells Fargo and she said yes they do. The check was deposited and the check posted. <P/>Reviewing my bank account on XXXXXXXX I am in the negative and the check I deposited bounced due to insufficient funds? and I am getting charged with fees? How can a bank deposit and credit your account with a check from their own bank and claim it was good at the time of deposit and 2 days later say oh its not good anymore? This is what the bank rep told me when I called to ask what happened?
AFNI, INCXXXX .I have a a unverified account from AFNI , INC . I had previously disputed this account this account. I have never done business with AFNI , INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of th debtAFNI, INC purport I owe. I request that AFNI , INC Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that AFNI , INC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account NumberXXXX
In XXXX I bought a home, with XXXX XXXX XXXX as the mortgage holder, it later sold the mortgage to Green tree and last year Green Tree changed it 's name to Ditech. During the process of change over one year ago. The mortgage has always collected the escrow for wind, home and flood insurances plus taxes. Last year my mortgage total came down it was a steady {$1500.00} + for all the years I 've owned the home, it dropped to {$1300.00}. I called everyone because I knew there was a mistake and got nowhere. Last month I got the escrow analysis and then the new mortgage billing and my total mortg & escrow went up by whopping over {$470.00} a month! I called Ditech several times, today a manager said that last year Ditech did not collect escrow for XXXX of the policies but that they paid. Because of that they say I now have a deficit of over XXXX and hence my higher mortgage payments. The Ditech manager XXXX admitted they made a mistake. I asked for a copy of XXXX 's escrow analysis and she told me she could not see it in the system, then she found it on some " other system ''. I asked for a copy of it to be sent to me, faxed, e-mailed whatever and she said she could not. 
I have called for weeks and hours trying to find out the truth. The manager admits they made a mistake, that now I 'm paying for. I do not trust them. They keep pushing me to refinance with them or extend the loan, every time I call and by mail. I do n't think I should be paying for their mistakes and I do not trust their numbers. I think they did this on purpose so that I 'd be force to refinance with them or extend the loan another 30 years. I 'm nearing XXXX and a jump of {$400.00} additional moneys every month is hard to do. I 'm beginning to feel this is a game for them and of course we the consumers are always at fault right. Wrong! She admitted they make the mistake! I have excellent credit and a lifetime of paying my mortgages and debts, I think they want to create a problem or cause a problem for selfish, greedy reasons. This company needs to close their doors and be thoroughly investigated ....
I disputed the open collections that are still showing up on my credit report since my bankruptcy was discharged XXXX XXXX 2014. The Equifax is not reporting the collections correctly and after talking with the collection agencies themselves i was told they are reporting them as closed collections discharged in bankruptcy. This is causing XXXX collection accounts to show up on my credit report as open collections dramatically injuring my ability to rebuild my credit. I have had no collections since the bankruptcy and have been disputing with this agency since the beginning of this year XXXX / XXXX
I have to dispute the information on my credit report that has been on there for years and to no avail nothing was done about it
I have been fighting with Commonwealth Financial systems in XXXX Pennsylvania for the past 2 months to get them to send the assignment of debt letter per Florida statute 559 .27 and they have yet to send said assignment of debt letter that gives me the 30-day mandated dispute of validity. I have asked for them to remove all trade lines from all credit bureaus and while they have told me that this was done I still see their tradeline on my XXXX credit bureau.
I obtained a {$1000.00} installment loan from Lendgreen. Per my agreement I am to make XXXX installment payments of {$300.00} to satisfy the loan effective XX/XX/2015. Upon checking my account Lendgreen withdrew {$380.00} on XX/XX/2015 causing an overdraft on my account. When I contacted them they stated the XXXX payment would be a little higher due to a certain amount needing to be applied to principle. Lendgreen also advised my loan would not qualify for any alterations to the agreement meaning I would not be able to postpone any future payments. For some reason I am also not able to access my original loan documents. The Lendgreen websijte continues to error out stating my computer is not compatable.
Chase bank charges {$12.00} service fees for going under a {$1500.00} minimum ( the lowest they have ). When I got the account from my father 's estate, it had a {$20000.00} minimum. When the account dipped below that, they charged the fee for over a year. I never saw any notification of it. Now I had to use the rest of the money. There 's no way I can reach the minimum or get a deposit of {$500.00}, given that I 'm on XXXX and do n't get the money myself. This whole service fee is questionable and even worse towards low income folk. The lady at the bank said that {$1500.00} was the lowest minimum and that they had to charge this fee for " holding the money. '' I 've got {$30.00} in my account now. There 's not even anything for them to hold, and if there is no money coming or going, there 's not even any service for them to render besides keeping that record, that excuse for them to charge fees. So I 'm going to have to close the account. There 's nothing else I can do. I neither want nor can afford to give them money for free, and quite frankly they do n't need these little scams that they quietly increase over time. Fees for using ATMs, fees for maintaining an account. I see - now it 's not enough for them to consider it valuable, but even before these practices are unethical and anti-consumer.
Had a false claim submitted to  Caine & Wiener from  seller on  XXXX , which  XXXX  ruled stated I did not owe any money.  XXXX   XXXX   XXXX  claimed he was a lawyer, that he did not care that  XXXX  said I am under no legal obligations, and that I was breaking the law by not paying. When I asked for his lawyer licensing number, he then back tracked and said he never claimed that. He was trying to intimidate me and then very rude afterward, and refused to answer most of my questions. I could not get any information on the company that filed the false claim.
Credit reporting & low score ... .This Bureau is not using my credit repayment history to rate my creditworthiness, but instead is relying on credit inquiries, & credit card usage while overlooking the ( the most important factor ) My repayment history & ability to repay. I seeking a correction, of this ( Poor ) Rating as it has a direct affect on my ability to get low rates which consequently becomes the greatest avenue to ( not only getting good & reasonable rates but indeed making it much easier to repay .... My bills are at 100 % repay & my score should reflect the excellent Payment history & score
On XX/XX/18 I went to the Wells Fargo website to research auto loans. I put in my name. It asked if I was a member of Wells Fargo. I said yes. I did not enter any other information. I clicked the cancel button and closed the page. I later got a letter and an email saying they checked my credit score as part of a loan application. I did not apply. They checked my  credit without my authorization.
On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,
Chase has overly lied to me and I XXXX and wanted to get a modification loan or to reduce my interest of 6 % for years with good credit. When I made good money for the last 22 years with them they said I could not refinance because I made too much money. Now in retirement, of half salary, I tried to lower my interest payment, they now say I do not make enough. and the only option they say is sell my house, I 'm not behind in my payments but have student loans Then they give a generic survey and ask how you feel. You tell the truth and then they call to tell you that you are still wrong to feel that way and to add insult to injury, still take your money and do not do anything. I am tired of very bad service, I am a XXXX. I am so disappointed in Chase. if anyone could help steer me to someone else please do. Tired of very bad service of zero.
I have ben trying to dispute a bankruptcy that is on my credit report for over a year with TransUnion. I have sent in letter after letter, and also verification that this bankruptcy does not belong to me. The only reason they keep verifying it is because they are calling an automated system getting information. I called today an spoke with XXXX on XXXX/2018, and at first she said they verified electronically, then when I informed her that I contacted the court and they informed that that they do no communicate with any credit agencies or third party credit agencies, then she comes back to the line and tell me she called a number and verified it on the phone just then. my question to her was how do you know that he information was correct when you did n't actually speak to a live person, and you did n't physically receive any paperwork verifying this information. She told me well that was all they needed they did n't need to speak to anyone or need any paperwork to verify it. I find this practice odd because most public records are verified through XXXX or XXXX. I just want it verified the correct way or have them remove it from my credit report. I have sent information to them verifying that the BK is not mines and can not be verified.
CitiMortgage is claiming that they have not received my payment for XXXX. My payment posted to my bank account on XX/XX/XXXX a day it was due. They're also stating that only partial payments have been made for the past several months, but that they see that my full payment was made but is being held in some other account. My bank has sent them copies of my payments. I have spoken to at least 40 different people over at CitiMortgage all who tell me a different story. Nobody can tell me where my money has gone, or why they are telling me that I'm in foreclosure even though my statement say that I am current on my mortgage, with the exception of the missing XXXX payment that they can not find. I recently had a bankruptcy that was discharged, and I had made all of my payments to the bankruptcy court and received final payments have been made to both my first and second mortgage. Citi mortgage is my second mortgage. Multiple people at Citi have told me that the reason that I am in foreclosure with them is because my first mortgage with XXXX XXXX is in foreclosure. However I have called XXXX XXXX and they state that I am not in foreclosure and that my account is current with them. They are waiting for the release of the bankruptcy. I have called CitiMortgage everyday for the past 2 weeks and spent multiple hours on the phone, trying to get this figured out. CitiMortgage just keeps passing me off to the next person and can not tell me anything about what's going on. I am highly disappointed in the level of customer service, and the lack of respect that I've been given by CitiMortgage. Moreover, I do not feel like I can trust that my money is being credited to my mortgage anymore or if it's going someplace else.
I have been a victim of identity theft, made multiple calls to the bureau explaining to them the situation and for them to removes the accounts that do not belong to me. No actions have been taken upon my request even with proven documents. I have sent more than XXXX time all the documents they have requested like ; a notarized affidavit, id, social, bank statement, and police report. Those accounts do not belong to me, If you can please remove the accounts i would really appreciated. 

ACCOUNTS NOT BELONGING TO ME ARE THE FOLLOWING ; XXXX XXXX XXXX - ****************XXXX - XXXX OF XXXX XXXX XXXX - XXXX XXXX - XXXX