WillisBack/dataset-financial-user-claim huggingface dataset:
DITECH FINANCIAL LLC purchased the account referenced from XXXX or from another third party junk debt buyer according to Chief Justice XXXX of the US Supreme Court, DITECH FINANCIAL LLC is in direct violation of the COURT of COMMON PLEAS OF XXXX PENNSYLVANIA, COURT OF APPEALS FOR THE XXXX, and in jeopardy of fraud by mail for attempting to commit felony conversion and attempted theft of Respondent 's property, DITECH FINANCIAL LLC in violation of contacting me on the above-mentioned alleged account at my home, upon receipt of this letter dated XXXX/XXXX/2016 this places DITECH FINANCIAL LLC DEBT COLLECTOR 'S in direct violation of Federal law, pursuant to [ 15 USC Section 1692c ( c ), ( e ), & ( g ) et seq. ] the same being violations of [ 18 USC 1512 ( a ), ( b ), ( 2 ), ( 3 ), and Section 1513 ] with fines of {$250000.00} or imprisonment, failure to validate the debt The [ FDCPA ] gave DITECH FINANCIAL LLC thirty ( 30 ) days to validate the alleged debt. 30 days have passed, present letter dated XXXX/XXXX/2016, failure to respond to TO [ XXXX ], FAILURE TO RESPOND WITHIN THIRTY ( 30 ) DAYS TO EACH NUMBERED ITEM BELOW IS ESTOPPEL. SANCTIONS MAY BE IMPOSED FOR REFUSAL TO ANSWER QUESTIONS OF DISCOVERY [ XXXX questions of discovery unanswered ]. Any proceedings on the Above Case, including the re-sale of the alleged debt information for the purpose of collection by any other debt collector/company, that are taken without first timely responding to this letter by the party ( s ) will be deemed prima facie evidence of fraud by mail and racketeering against the party ( s ). DITECH FINANCIAL LLC ( " Ditech '' ). ; XXXX, ORIGINAL CREDITOR : XXXX, its agents, assigns, principals, and counsel. Silence is acquiescence ; acquiescence is estoppels. 
Disputing your extortion and fraudulent claim of " debt '', XXXX XXXX, 2016 Certified Mail # XXXX DITECH FINANCIAL LLC ATTENTION : XXXX, AZ XXXX
XXXX Account XXXX XXXX collection department was constantly calling my home and job and leaving my personal information with my coworkers. They left threatening messages and I was n't sure what they were referring to. This increased my stress level causing my XXXX XXXX to increase and I began to have further issues with my XXXX XXXX.
CRA in willfully violating METRO 2 COMPLIENCE, FCRA, FDCPA etc.
this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.
I would like an investigation of CPS ' loan contracts and billing. Per the FTC 's listed violations, this company has settled a class action lawsuit against them in XX/XX/XXXX and I would like to know if I 'm eligible for a refund or account adjustment of some sort, as for I opened an auto loan with them in XX/XX/XXXX I never received any notice of a lawsuit, pending or complete from CPS during my time of having a current auto loan open with them. As time went on I experienced a financial hardship which resulted in non-payment of my loan. I eventually had the car voluntarily repo 'd. They explained during this process that the car would then be sold and the amount they sold the car for would then be applied to my balance. They never reached out to me about its sale neither call or mail. I called them numerous times in which they kept telling me the car had n't been sold. I finally called them again, about 3-4 months after having the car taken to get information about its sale. The car in fact had been sold, but I had n't received any bill of sale. To this day, they claim I 'm still responsible for the entire amount due, even after they have sold the vehicle. Also upon logging into their website ( in which I can still access ) I only have access to XXXX billing statements out of all the months of having a car loan with them, all in which do not detail the breakdown of fees or interest in any way specific. My main concern is to see if I 'm eligible for an account adjustment pertaining to my accusations of their unfair lending practices.
They are spoofing their number now they do it alot but now they are using a XXXX  number or spoofing that they are XXXX but from Georgia and I am in California.
Disputed with the company on XX/XX/2018, company received my dispute 0n XX/XX/2018 according to the certified mail.It is now XX/XX/2018 and I have yet to hear from the company.The FCRA gives the company 30 days to respond, I have not gotten a response.
I received a collections letter from XXXX XXXX XXXX for a {$2000.00} debt to PayPal. I do not have a PayPal account and this letter appears to be a scam. The company has offered to settle my non existent debt for {$700.00}. This company address is listed in XXXX but the collections letter was mailed from XXXX XXXX
This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling
XXXX XXXX, 2017 XXXX XXXX XXXX who is located at XXXX XXXX XXXX XXXX XXXX, MN XXXX sent me a letter saying i Owed a bill in the amount of {$1000.00} dollars and saying i have 30 days to submit a dispute or we will assume this debit is yours. They have not given me thirty days and it 's already on my credit report. I have also filed a dispute with one of the credit bureaus. I will like to know why they did n't give me my thirty days before putting this on my credit reports. Results i am asking for to be removed from all 3 credit bureaus and also I would like a written letter from  them saying that this account is removed for all three credit Bureaus
Pentagon Federal Credit Union has reported incorreect information on my credit report. I was not aware of this until XX/XX/XXXX when my credit report was reviewed. I contacted Pentagon Federal Credit Union on XXXX XX/XX/XXXX. A credit card was issued to a family member in XX/XX/XXXX. The credit card has been since charged off on XX/XX/XXXX. There was a balance of {$19.00}, XXXX. Through many conversations with different Pentagon reps, I was told that I was a joint card holder. I have never authorized or signed any forms as a joint or authorized used of the credit card. I was not aware of any Pentagon credit card. ( see attachedment of authorization form ). I have been calling and attempting to result this problem for nine weeks from XX/XX/XXXX until XX/XX/XXXX. 
Pentagon has not returned any of my phone calls. 
This problem has caused a very stressfull situation and a low credit score. Several of my credit cards were closed due to this incorrect reporting. I am not responsible for the balance.
In early   XX/XX/XXXX , I rece ived an email inquiry from   XXXX   XXXX   about refinancing my current  XXXX  condo mortgage. Since my mortgage is held by Wells Fargo, I contacted it about refinancing. The terms sounded good over the phone, I began the process. Later that day, I received a dozen or more somewhat confusing emails and despaired of the entire process, especially after discussing with my wife who reminded me of our desire to sell the condo next  XX/XX/XXXX / XX/XX/XXXX . So the next  day,  XX/XX/XXXX  be lieve, I stopped the process.   When I received my credit card statement, an amount of {$500.00} was billed but only {$470.00} re credited. I call t he WF rep (   XXXX   XXXX   ) who said t hat the remaining amount was for a credit report which was non-refundable. The next day or so, I asked when I would receive a copy of that report. She said that I would not and that it belonged  to WF. I wo uld like my money returned OR a copy of the report I for which I paid.
Re : Wells Fargo Claim # XXXX Wells Fargo ( WF ) refuses to review video of problem to assist the return of my funds. 
Problem : I used an ATM at WF / XXXX Branch on XX/XX/18 about XXXX PST to withdraw {$200.00}. 
After keying in my information to withdraw my funds, I was diverted away from my transaction by the image pop up congratulating me of my 40 something anniversary. 
I proceeded with using my hand held device to take an image of the screen of the ATM displaying my anniversary. Then pulled away and drove 3/4 around the branch and realized I did not have my {$200.00}. I did not see or notice any other cars at ATM. Pulled around to ATM, no money at ATM. I did not receive my money I went inside and filed a claim. After a letter and two calls to WF, they refuse to provide funds and refuse to examine video to investigate what happen. 

Please Note : WF time stamped transaction ATMID : XXXX information provided at second request states ; " XXXX_ATM_Will_Take_Your _Cash Back ''. 

I speaking with WF representatives, I believe " XXXX '' in Arizona at XXXX XXXX was very short and very rude.
There are five steps to submit your complaint : Step 1 : What is this complaint about?

BB & T no longer offer cancel check to owner of account.

Step 2 : What type of problem are you having? 
I need canceled checks from XXXX and early XXXX to prove I paid taxes on my home for XXXX County. 

Step 3 : What happened? 

I have called my branch at least four times and the main office at least 7 times today, no results. 
I called the local branch and spoke to manager and the main office in NC and was told I should check by check stubs to see what number ( s ) represent the check ( s ) needed. I need canceled check for XXXX XXXX. 
I was informed by main office if they pulled the checks it would be {$7.00} per check. 
Another representative at main office advised that I go to BB & T Research Dept. but it would take them a long time to find my canceled checks BB & T changed there reporting system which does not include cancelled checks for customers at the end of month. 

Step 4 : What company is this complaint about? Branch Banking & Trust Step 5 : Who are the people involved? 
XXXX XXXX, XXXX Bank Mgr Customer Service/main branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Virginia XXXX XXXX Acct XXXX / XXXX I WANT COPIES OF ALL CANCELED CHECKS
I transfered {$7000.00} from a business account into my credit card, which did not have a balance, by accident. After realizing the money had been transferred into the wrong account I immediately notice the money was out of my account and not in the originally intended account I found the money and began trying to reverse the transaction via online. After no success I began to call Wells Fargo Credit Card customer service I began to call to reverse the transaction. After being transferred three times I was told I had to wait up to 5 business days to receive my money back in my account. This all took place on XX/XX/2018 from the hours of XXXX XXXX to XXXX XXXX. The final customer care person was XXXX XXXX with Wells Fargo Credit Card services. I would like to mention that all accounts involved were Wells Fargo Accounts.
In XXXX 2015, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. When my loan left XXXX XXXX XXXX, everything was perfectly fine with my escrow account and my monthly mortgage payments. In fact, the month before it sold, I sent them a check for an escrow shortage. On XXXX XXXX, 2015, Carrington did an Escrow Analysis and somehow came up with a shortage in the amount of {$1100.00}, however, no one can explain to me where this shortage is coming from. It does n't really take a genius to figure it out. They are paying my taxes on the wrong dates. I have faxed them a XXXX page letter on XXXX XXXX explaining my discrepancies with my mortgage XXXX a copy of which is attached for reference ). Whenever I call Carrington, no matter who I get, their response is always " I do n't know '' No one there knows how to do their job. My property taxes are due in XXXX and XXXX each year. They are trying to pay my property taxes in XXXX and XXXX and so now that is where the shortage is coming from. They are paying taxes before they should. The XXXX County Auditors office has gotten numerous complaints about Carrington doing this and they are getting extremely irritated because it is creating more work for them. They do n't even know what our taxes are going to be each XXXX until the XXXX ballet passes. Tax bills do not go out until XXXX and are due in XXXX. So Carrington is sending wrong amounts to them! In addition, Carrington is paying too much for property taxes. My taxes are {$1300.00} a half and Carrington is paying {$1300.00}. They are trying to tell me that my mortgage is going up {$98.00} due to this shortage, yet they ca n't even explain the shortage. Again, no one at this company knows how to do their job. I know more than they do. I never had any problems with XXXX XXXX XXXX. Carrington has been a COMPLETE nightmare and action needs to be taken against them. I have sent them all the documentation they need, and XXXX again, I am attaching all that documentation to this Complaint. They better get it figured out soon or I plan to take further action against their company! This company is a FRAUD!
Caller from FMS - Financial Management Systems keeps calling a relative, identifying themselves as XXXX Student Accounts. I do not have a student account with anyone in which I owe ; however, they have disclosed my personal information and continue to call repeatedly after being told that I do not live there and have not lived there since 1996. Have contacted them and asked them to stop, but they do not. My relative is over XXXX years old, and they continue to harass him.The contact information I have for them isXXXX XXXX XXXX XXXX - XXXX XXXX, Illinois XXXX
I received collection notices from  XXXX  stating I owe them {$12000.00}. At the bottom of the letter it states they purchased the debt owed from Santander. I had a vehicle repossessed by  Santander  in VA in  XXXX .  XXXX  is reporting the debt is a collection owed to them and was opened by me with them in  XXXX   XXXX . This is incorrect! I never opened an account with  XXXX  in  XXXX   XXXX . I was living in Delaware in  XXXX   XXXX  and not in Va. This incorrect report of an open outstanding collections of {$12000.00} is being reported negatively on my credit file. It was previously reported by  Santander as repossession on my credit file. This has negatively impacted my ability to sustain my credit standing and is preventing  me from securing housing. I have disputed it with the credit bureau and with FTC. I just want them to correctly report it on my credit file as it was originally.
The subservicing company I pay my mortgage to recently changed. 
I had been working really hard to find out how to do it. It felt like not providing me with the necessary or helpful information was intentional as time passed. I actually learned facts that were essential for the process from a friend. I was planning to have an appraisal done ( with XXXX XXXX XXXX XXXX ) to cancel the PMI when I was notified of the change. The new company, LoanCare, LLC is ignoring all my requests. They say they did n't receive my initial email request and subsequent emails are bounced back as undeliverable. I have yet to speak with anyone but a receptionist who disconnects calls when transferring to insurance dept. They say all over their website that multiple inquires may prolong the process. Yet the process never starts. I believe this is intentional. I 'm sure XXXX people like myself are eligible for PMI termination. But this is free money for them so OF COURSE they do n't want anyone to cancel it early, never mind helping them to do it by providing information. 
I am really really angry. I HAVE NO CHOICE about who I pay my mortgage to. And they know it and treat their customers like garbage.
Mortgage company said they could close my loan this Friday. They indicated this and locked the loan in on  XXXX . They are now denying that they knew about the  XXXX / XXXX / 17  close date and will not compensate me for damages that has resulted in this. I now have to pay to keep a truck longer. Pay movers to move the date to unload. I will be out of town so now I will have to have the truck monitored so there is no theft. Countless other little and large things to add to all of this. Attached is proof that they knew about the close date. I 'm sure they will keep fighting this from what they said to me on the phone that it 's not their fault but I have everything documented and can bolster any argument on my side showing my due diligence and their lack of following up.
Credit agency ( Trans Union ) has reported an installment loan from a " sub prime '' lender ( XXXX XXXX XXXX ) that negatively effects my credit rating ( which does not belong to me ) and claims they have verified with XXXX XXXX that the transaction is mine. I tried to contact XXXX XXXX XXXX at the address given XXXX XXXX XXXX XXXX XXXX, Ia. XXXX XXXX XXXX XXXX ) and there is no XXXX XXXX Office in that town and the phone # sounds like a fax signal. Trans Union offers to submit dispute electronically ( XXXX time and expects to get a different response ) but will only submit Social Security number info ca n't or wo n't ask for contracts or name and address or any other pertinent information. So the disputed transaction ( even though the account is closed and does n't belong to me ) stays on my credit report as a negative factor.
I HAVE A COLLECTION ACCOUNT THAT DOES NOT BELONG TO ME. I HAVE NO CONTRACT WITH XXXX,
My name is XXXX XXXX. I have an account at US Bank. I have in the past had problems with US Bank over drafting my account even when my preferences are set for my card to decline if the account has insufficient funds. I took all the money out of my checking account save {$6.00} on XXXX XXXX, 2017 with plans to close the account later on. Due to past terrible experiences ( I have attached an email detailing those experiences to this complaint ), I put it off until I recently checked it and found that it was {$100.00} overdrafted. This was due to a {$6.00} payment taken out by a company that I had changed my payment method with, but who apparently did n't change over my payment information for this new card even though I inputted it as my preferred payment method. While they refunded the initial overdraft fee due to this payment, there was still a {$.00} deficient that they charged on now from XXXX XXXX to XXXX XXXX. This deficit should n't have existed at all since I was made to understand that the account was set up to not except payments that over drafted the account. It was also was previously set up with 'over draft protection ' meaning it would take from the associated savings account if the checking account did n't have enough funds, which would have in this case, made it where the account did n't over draft. Meaning that even if neither of the two times I went in to correct the problem of my account over drafting worked, this problem still should not have existed in the first place.
I had a credit card that was charged off in XX/XX/XXXX that should have reported 1 time-30 ; 1 time 60 ; and 1 time 90 and it was written off after that. However, the company reported that I was late 1-time 30 on 15 different occasions on my credit reports showing the most recent late in XX/XX/XXXX. A correction was requested on several occasions but the same information is being updated.
Starting in XXXX I sent dispute letters to the bureau in regards to each account. They responded with by sending me a credit report saying that they were verified. In XXXX I responded with another dispute letter stating that if you verified I would like a hard copy and method of verification. The bureau responded with again another credit report stating that each account was verified. I have rights and and under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ), to have the bureau provide proof of each and every account within 15 days. If not all accounts should be deleted. The  bureau has not provided any type of proof of any account on my report besides the word verified.
Its my understanding while purchasing a new car at the Dealership, the following inquiries should be count as " XXXX '' not " XXXX ''! I only gave permission for 'one ' credit inquiry. Please delete XXXX from the list below soonest : a ) XXXX XXXX XXXX XXXX XXXX, VA XXXX b ) XXXX / XXXX XXXX XXXX XXXX XXXX, SD XXXX c ) XXXX XXXX XXXX XXXX XXXX, CA XXXX
I cosigned for my brothers private loans which are now with Navient. It was explained to me to make 1 yr of consecutive payments and my brother can then apply for the co-signer release so that my name an then be removed. We complied with those terms. Each month my brother gave me the funds which I logged onto the portal and paid under my account. My brother has no bank account mind you. All documents were submitted for processing as a year of payments have been made on XXXX 's account by him from my account. This evening I speak with the rudest member of management who basically tel ; s me application denied. XXXX ( myself ) has been making payments for the past year not XXXX. He is not credit worthy. Excuse me, how do you know XXXX has n't paid. He has paid, just because it was paid from my account with my banking info means nothing. You can not prove he did not give me the funds each month, when in fact he did. Navient dances around the truth to get money and will tell you whatever you want to hear. Then when you call them they dance around the truth to get rid of you. I can not let this go because I was under the impression, I 'd be released from being a cosigner after we met Navient terms & conditions ( consecutive twelve payments ). I am trying to purchase a home and Navient is hindering me from doing so with this loan. I did everything they told me to do and now they are going back on everything!
There is a credit balance on my Discover credit card account. I requested that check be sent to me to resolve the balance and to date there has been no evidence that there has been an action to refund my money to me
I deposited a Chase Freedom credit card Balance Transfer check into my personal XXXX XXXX XXXX checking account per the instructions on the offer. I made sure I had sufficient available credit including fee 's. The check was for {$9300.00} and was returned on the 5th business day as insufficient funds. I called Chase and after getting transferred around and cutoff I finally spoke to a supervisor. She said that XXXX XXXX XXXX sent/processed the check as a CASHED check and not a deposited check. Therefore Chase treated as CASH ADVANCE and not A balance transfer and that my credit line for cash advance was insufficient. I deposited the check to my XXXX account using Mobile Check Deposit. I did not receive any cash at that time and never received cash. The offer clearly says I can make the check payable to myself and deposit in my checking account and it would be treated as a Balance Transfer. I called XXXX and they informed me that THEY do n't control how the check is handled when Chase processes it. And they immediately refunded the fee. When I called Chase back the supervisor said it is not Chases fault, that the offer is no longer available but they had one almost as good but it would take 5-7 business days for money to arrive in my account. So I had to find another source of cash to cover the negative balance in my account for 12 business days. I specifically told the supervisor what XXXX XXXX XXXX said and that I expected Chase to honor the original promotion and immediately cover the negative balance and call XXXX to have fee removed as I did nothing wrong and complied EXACTLY with the promotional terms of the balance transfer offer. She said she would not. I asked her to process a new transfer using the new less favorable terms and just waited the 5-7 business days. I informed her she has lost a customer for life after this transaction.