WillisBack/dataset-financial-user-claim huggingface dataset:
I am not the person who has the debt. But they are in close relation to me, they 're my partner. However I had no knowledge of of them having any time sensitive issue as was stated to me. And it would have been better for them to inform me themselves as opposed to a company calling me, and my family members who are in no way related to anything concerning the matter. There were questions asked about my partners place of residence, there were questions ask about their contact info etc. and any legitimate company would at least provide some sort of ground based information as to how paramount the case at hand is. The company persists to harass us, on no basis in relation to the matter at hand. Name of company in question is Account Control based out of XXXX California. XXXX of the callback numbers associated with them are,XXXX and XXXX with an extension listed as XXXX
My XXXX i-35 infinite vehicle was wrecked back in XXXX XXXX. The owner that hit my vehicle his insurance company paid off my vehicle in XXXX XXXX. It was total paid off to the " Go Financial '' company. My name should have been submitted so that my credit score could improve. XXXX XXXX ***********
My servicer, Wells Fargo has sent me a letter ( attached ) in reference to a mortgage modification which I have not requested. This letter makes a number of false statements, and given Wells Fargo 's apparent proclivity for fraudulently managing consumer accounts, my trust in a benign reason for this letter having been sent, and goodwill towards Wells Fargo 's intent is nil. 

In regard to this letter specifically : Paragraph 1 " I 'm writing to follow up with you about your request for a loan modification. '' This is false : I have never requested a loan modification, and indeed, this is a repeated tactic by Wells Fargo when I become delinquent on my mortgage. I have clearly stated on multiple occasions ( including in a similar CPFB complaint see XXXX ) that I do not intend to, a ) default on my mortgage, nor b ) request or otherwise make inquiries to Wells Fargo for the purpose of any loan modification. 

Continuing from the letter : " ... I 'd like to thank you for responding to our request for documentation. '' This is false : I have submitted nothing in regard to a loan modification by any means of transmittal, nor do I, as a matter of course, respond to the continual unsolicited offers and/or notices of loan modifications from Wells Fargo. Let me highlight again that these loan modification " offers '' are always unsolicited on my part. 

The second paragraph refers three times to foreclosure at present no notice of intent to foreclose has been received, nor to the best of my knowledge has the foreclosure process commenced. This paragraph implies that this process has begun, nonetheless. 

As mentioned, this is not the first unsolicited loan modification which Wells Fargo has sent, and invariably the language of their letters implies or states outright that the process is one that I have initiated. I perceive this behavior on the part of Wells Fargo to be harassing in nature. 

Finally, I note that the letter is dated XXXX XXXX, while the postmark ( or franking ) is dated XXXX XXXX, and the letter was received on XXXX XXXX. This apparent retarding ( or pro-dating ) of correspondence has occurred numerous times with Wells Fargo with ostensibly critical communications. I would describe it as a recurrent and perhaps deliberate feature of their behavior.
I ordered a replacement card XXXX XXXX and it is now XXXX XXXX. I have called rush card several times and they can not tell me anything. I have called XXXX a day the phone either hangs up or i am on hold for XXXX hours to be told they can not upload anything due to the system outage. I am a single mother and have n't been able to access my money for 17 days and i can not get any answer to solution to problem. I keep being transferred, placed on hold, hung up on, call does n't go thru. And no answers to the solution. Now i have to sit here with no card, no answers, no money, no solution to the problem. My bills are late. My child is suffering. XXXX XXXX keeps tweeting that everything is back up and it isnt.
I opened this pre-paid credit card and opted for paperless billing. I never received a statement and only found out I had an outstanding balance when they reported me 30+ days late and it appeared on my credit report. 

I called them and told them I had never received an email statement notification. They asked me to verify my email and when I told them it was XXXX they told me that there was a known problem with their emails not going through on XXXX. So I immediately changed to another email address and am now getting the statements. 

I asked the rep if they would take off the 30 day late as I never received a statement and they knew XXXX was a problem. I was told that it was my responsibility to be checking online for my statement and as I had agreed to paperless billing they would not change it. 

I feel this is unfair as I would have immediately paid my bill had I received a statement and they were aware of the issue with XXXX. As I had recently opened the account and had never received a statement, I did not realize that I had not received one. 

I believe in light of it being a new account and them knowing that XXXX was not delivering statements consistently they should remove the 30 day late. I spoke to 2 different people who flatly refused.
I have a XXXX XXXX XXXX XXXX. I stayed at the XXXX XXXX, a XXXX property and checked out on XX/XX/XXXX. They charged my card {$310.00} which was correct. But then on XX/XX/XXXX, they hit the card for {$520.00} which is incorrect. The same thing happens on XX/XX/XXXX. I check in they hit my card for {$520.00}, I check out on XX/XX/XXXXand they hit me for the correct amount of {$410.00}. So there are two charges of {$520.00} that should not be there. I call XXXX, they advised me that they did not submit the two incorrect charges of {$520.00}. I call XXXX on XX/XX/XXXX ... after 45 minutes on the phone, they advise they will credit both charges and launch and fraud investigation. I get an email the next day ( XX/XX/XXXX ) a document that does not reference the prop XXXX from XXXX. I call XXXX again, they conference in an investigator ... they have closed my old account and sent me a new card. They said they will credit those two incorrect charges as it was not done on XX/XX/XXXX and find out what happened. I get my new card and activate it today. The two charges have not been credited and I can see no transaction history since my last statement on XX/XX/XXXX. I call again today ... they stated they do not know what has happened but will credit my account and launch an investigation. I have over two hours invested in this and they dont have a clue.
XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?
I am sending this complaint against XXXX 's incorrect negative reporting on my credit reports. I have attempted to have this issue resolved with XXXX 's through filing a dispute with the credit agencies and to no avail. The problem that I have with the statements received from XXXX 's states that my payment due date is on the XXXX of each month ... I am just going to list one of the statements billing cycles as an example ... This is the one that a 30 days late was reported on my credit report for XX/XX/XXXX. The billing cycles shows from : XX/XX/XXXX to XX/XX/XXXX, now from this billing cycle a " consumer '' would think this billing cycle is for XX/XX/XXXX. With that being said, how could my billing due date be for XX/XX/XXXX when this billing cycle goes beyond the XXXX? My next question of concern, how is this cycle billing for the month of XX/XX/XXXX when it covers the month of XX/XX/XXXX? How can XXXX 's expect a customer to make their payments on an account before the cycle ends? 

I feel as though XXXX 's billing and reporting is 'fraudulent '' and very " deceitful ''. This company should not be allowed to impact negatively on a consumer 's profile report and get away with this type of fraud reporting. Perhaps, they should look at how their statement cycles are calculated. 

Overall, I am so unhappy and disappointed with their overall calculating and deceitful reporting ... I am currently in the process of accessing funds so that I will totally pay off this debt and NEVER shop or do business with them ever again. Word of Mouth is very damaging to a business ... It is my intent to apprise any and everyone I can as to how this company chooses to conduct their business.
I have contacted Equifax multiple times regards to incorrect or paid accounts. I have submitted supporting documents to these accounts and still have not been able to have them disputed. I believe this investigation results are going against my rights as a consumer.
Citi closed down 4 different credit card accounts on XXXX XXXX, 2018, all at the same time. By shutting down the accounts, they have closed access to more than 130,000 points and {$55.00} in XXXX cash I was owed from using the cards during the year. 

Citi did not provide me an explanation for closing of all the cards. I have been a loyal member with Citi for more than 10 years and have made all my payments on time. Not a single bill was not paid to Citi.

I am severely disappointed by this action from Citi.
It was a late fee from a school. I paid the debt to the school directly in XXXX 2016. It is XXXX 2016, and they continue to attempt to collect a debt I do not owe. Furthermore their collection tactics were illegal. They would call me repeatedly throughout the day, 5-6 days a week on my business phone line even after they were informed that it was a business line.
I took out a loan for {$7500.00} from Huntington National in XXXX 2007 to pay off some credit cards. It was just a regular installment loan, covering 10 years. I did n't realize until the next tax season that it was actually a home equity loan. I never negotiated that. I was mad at first because the interest rate -- I believe around 9 percent -- was way too high for a home equity loan. But I did n't go back and dispute because I was able to write off the interest at tax time. Since the loan is about to mature, I called Huntington about a payoff quote. From the conversations I had, I learned that for nearly 10 years, my automatic payment was being withdrawn on the XXXX of the month, eight days after the due date of the XXXX! I was told they have no record of me agreeing to do this. Since there is a 10-day grace period I entailed no late charges, but I discovered for the last near 10 years I have been paying additional interest eight days each month. So during the 116-month span I 've had the loan, I 've paid additional interest on eight days per month -- a total of 928 days.
Rushmore Loan Management Services, LLC XXXX | Fax XXXX ATTENTION : Loss Mitigation The REPORT OF SALE AND AFFIDAVIT OF FAIRNESS OF SALE AND TRUTH OF REPORT, recording ( XXXX # XXXX ) filed by, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX, XXXX XXXX, XXXX ( loan # XXXX ), as servicer for XXXX XXXX, XXXX, to ratify this Foreclosure Sale can not ( piggyback ) ride proceed on another on lenders filing. 

Rushmore is required to obey the Maryland Annotated Code, Article Real Property, Section 7-105.1 ( c ) and the FHA Loss Mitigation Options, Handbook 4000.1, Sections III.A.2.j ; III.2.I.i. ( A ) The Sale was not FAIRNESS OF SALE must be rescinded or, this is the ( perfect ) crime to the foreclosure process with no remedies to the borrower to avoid any endeavors of resistance of illegal foreclosure business practices/activities to forbid disavow my foreclosure Rights. 

I respectfully request that Rushmore " reaffirm '' agree to new contract term for a loan modification. 

If the request for a loan modification is not rebutted before ratification ( Circuit Court PGC, Case Number XXXX ) of the foreclosure date, it will be deemed as an act of collusion, conversion, and conspiracy to usurp the judicial process in the State of Maryland and the FHA Loss Mitigation Options guidelines. I will enforce my Rights against any and all Banks, Servicing Cos. and/or persons who violate my Rights willfully or out of ignorance of the Law. 

XXXX XXXX XXXX. : XXXX XXXX Agrees to Pay {$110.00} XXXX to Resolve Consumers Class Action Lawsuit About Unauthorized Accounts, will be employed to file class-action suits accordingly of all Parties, notwithstanding. 

Under Penalty of Perjury, I have examined the statement of facts presented in this letter and to the best of my knowledge, belief is true, correct and complete.
Agent called my workplace. Agent was patronizing and arrogant. I explained the only thing they needed to know is that I could not make a payment and Agent stated I needed to take care of this debt. I told the agent not to call me at my workplace anymore. She stated they could send letters and call me at my workplace. I again stated I did not want them to call my workplace again. She was rude aggressive. Call took place Wednesday XXXX/XXXX/2015 around XXXX XXXX.
XXXX XXXX XXXX XXXX ( 3 in total ) show late payments that were not late. I was told they could not fix them and I needed to file a complaint. The XXXX stated that when the complaint came in they would ignore it and the bureaus would remove the late payments.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : All reported charge offs To whom it may concern I am responding to your contact bureau about all accounts regarding charge offs in my name. Since XXXX XXXX, XXXX after my mother 's death on XX/XX/XXXX. I have a solid reason to contact and firmly request removal of all charge offs and collections. Since XXXX my parents accounts have been through identity theft and estate fraud. I have found that I too have had identity fraud attempts or uninformed activity. For me, it started XX/XX/XXXXand continued to the present XXXX security breach. I have disputed credit cards and banks but have not had any resolution. In XX/XX/XXXX, I found that my credit went from a XXXX to a XXXX. I have had seen that my previous addresses show me living in a different city in California which prohibits me from benefits, awards and employment. I have requested removal from all three agencies, XXXX, XXXX and Experian. This is an industry failure at the expense of individuals. 

Inform all agencies to stop all communication with me and with this address, and record that I dispute of having any obligation for this debt. Stop any collection of this debt, and forward or return it to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed. 

Sincerely, XXXX XXXX XXXX
my wife called hoosier accounts to ask about a paid judgment. hoosier accounts stated they had no record of paid debt then hoosier accounts decided to tell my wife about a unrelated debt and amounts supposedly owed. I did not give hoosier accounts permission to discuss any account information.
I have contacted XXXX and informed them I have been a victim or the credit inquiry issue they told me I was not a victim and would not remove the inquirys I would like the following inquirys removed from my credit report immediately I did not authorize these inquirys XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX/XXXXBankXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX Credit Cards/AirlinesXX/XX/XXXXXXXX XXXXHome FurnishingsXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX/XXXXFinanceXX/XX/XXXX XXXXCredit UnionXX/XX/XXXX XXXXBankXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXCredit UnionXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXX XXXX Credit Cards/AirlinesXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXX XXXXBankXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXFinanceXX/XX/XXXX XXXX XXXXFinanceXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX XXXX/XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXX XXXX XXXXAutomotiveXX/XX/XXXX XXXXNational Credit Cards/AirlinesXX/XX/XXXX XXXXMiscellaneous, Not Elsewhere ClassifiedXX/XX/XXXX
My son is away at XXXX in XXXX, Pennsylvania. There is no local bank for him so our bank advised him to use the no surcharge ATMs to ensure there is no charge for getting cash from the atm. When we arrived at his dorm there was an ATM right in the lobby that stated no surcharge on it ( picture attached ) so I told him to make sure he uses that XXXX. When he used the ATM it now stated they were charging a {$3.00} fee for withdrawal ( picture attached ). There is XXXX students in my son 's XXXX class and nearly XXXX students on campus. These student are hundreds and some thousands of mile away from home and need to have access to their money for necessities like books and food. PNC has the market for ATMS on campus and are falsely advertising their inaccurate service. 
I contacted PNC customer service and talked to representative XXXX XXXX on XXXX at XXXX XXXX. He took the information and said he would forward it to their service department to get the sign taken down. I asked what they were going to do for these students that have already been falsely advertised to and had to use their ATM. He said they should not have used the machine and their is nothing he would do. I asked to speak to someone higher up and he would not provide a name or number. He told me to dispute the charges with our bank. I hung up and called our bank and they said their is nothing they can do on their end because the charges came from PNC. 
The issue is that they falsely advertise and these kids are, for most, first time away from home and have no other choice but use the machine or take a chance to go off campus and XXXX only knows what may happen to get the money they need to survive. If we use the example of approximately half the student body ( XXXX ), and they take money out of the PNC ATM once a month for {$3.00} each transaction the bank has just made {$35000.00} a month unfairly. We send our children to getter a higher quality education and the big banks are morally and unethically teaching our kids that it is ok to falsely advertise and make money for doing it.
I have an XXXX XXXX XXXX Aviator Red Master Card that was closed due to a {$14.00} charge that went 90 past due. I was not aware that a {$14.00} charge was posted to my credit card as I made a {$1400.00} payment to this card account in XXXX 2015 to bring the balance to zero. All communication to me by the bank was sent electronically and was never received. I incurred and paid {$120.00} in late fees for the {$14.00} charge. The Bank never notified me that my account was past due and that it was being reported to the credit agencies. On XXXX/XXXX/15 I was mailed a hard copy letter informing me that my account was cancelled and that the delinquency was reported to the credit agencies. No communication of this issue was made known to me by mail before XXXX/XXXX/15. Customer service at the credit card company/BANK is unresponsive. Promises to remediate have been made with no follow up. The credit card company has admitted to me that proper notification procedures were not followed. No follow up or further communication by the card company has been completed. Principal and late fees totaling {$130.00} have been paid even though the original charge in question was only {$14.00}. The primary problem is email communication including bill delivery that likely never reached my inbox due to spam filtering. Lesson learned, do not select electronic bill payment and presentment. Stick with snail mail.
XX/XX/XXXX XXXX XXXX ran my credit twice without authorize.Would Like this to be Deleted!!!! 
XX/XX/XXXX XXXX XXXX, I had never applied for this. I believe I 'm a Victim of inquiry issue.I Would Like this to be DELETED!!!! 
XX/XX/XXXX XXXX XXXX XXXX, I never applied for this. I believe I 'm a Victim of Inquiry. I Would Like This to be DELETED!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry.I Would Like this to be Deleted!!!! 
XX/XX/XXXX, I have never applied for this, I believe I 'm a Victim of Inquiry. I Would like this to be Deleted!!!!
XXXX breach has cost me and consumer billion of  dollars XXXX XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Credit Card - Revolving Terms Date Opened XX/XX/XXXX Account Status Open cra violation not mine no knowledge of acccounts Payment Status Current Status Updated XX/XX/XXXX Usage 111 % Balance {$7200.00} Balance Updated XX/XX/XXXX Credit Limit {$6500.00} Monthly Payment {$210.00}
My loan appeared to be transferred or sold to another servicer, and I was never notified in advance. In addition to this, I can not get in contact with a real human being at Amerihome Mortgage to talk about this.
I spoke with XXXX at Equifax of the XXXX team ( supervisor ). 

Investigate was submitted on XXXX XXXX for XXXX XXXX XXXX. Equifax claims it was completed on XXXX XXXX, 2016 however when I checked online the investigation still states case is still under investigation online. This is past the 30 day mark and the Creditor should be remove from my credit file.
XXXX / XXXX / 2017  over {$200.00} taken in fees due to the order that the bank posted deposits last.
In  XXXX     2016,  I recently fell into some unexpected financial hardships. I was trying to take care of myself and my mom. I became delinquent by some months with my mortgage. However, at the start of the year I began making as many payments as I could to catch up. I explained this to the lady I spoke with, but it did not do any good. I am looking to get help from Maki ng Home Affordable co unselors. I would like to know where the money is that I sent to Nationstar Mortgage in  XXXX , Texas. I have not stopped trying to make payments even if it was something to send to catch up the balance. Now, they are threatening foreclosure. Please help.    XXXX  Serviced by Nationstar Mortgage  LLC,  a subservicer for  XXXX   XXXX  Number  XXXX  Interest Bearing Principal Balance  XXXX  Interest Rate 3.750 % Escrow Balance  XXXX  Amount past due {$4000.00} - This amount has been paid. I am just working to catch up the first few months of the year.   I have also contacted the VA for assistance and nothing. No one is willing to help me out. I do not want to lose my home.
I submitted a electronic ACH payment ( as I normally do ) to Ford Motor Credit for my XXXX, 2016 car payment which is not being credited to the account. This is not the first time Ford Motor Credit has made a mistake by misapplying a timely-made payment.