WillisBack/dataset-financial-user-claim huggingface dataset:
1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.
Your Report Number is : XXXX Your Report Number is : XXXX Your Report Number is : XXXX OnXX/XX/XXXX, I began submitting several disputes indicating I had filed a Chapter XXXX bankruptcy. I submitted my bankruptcy information that indicated the bankruptcy number and list of creditors. Most of the accounts were updated correctly, however, I have 4 accounts where the dollar amount should state XXXX and 1 account that should state included in bankruptcy. 

On XXXX XXXX, XXXX, at an approximately XXXX XXXX  central standard time I called to inquire about the latest results. The customer service I received was by far the worst. I have contacted this company many times in the past and have always received superior service. I stated I had questions about the results I received. The representative stated, what 's your question. I informed him of the question, he asked for the report number and my name. He did n't verify any other information. He then became extremely rude, I asked to speak with his manager, he stated his manager could not accept calls but offered to have his manager call back within 24-48 hours. I then requested to speak with another representative, he said no and that he would drop my call. I asked for his name and stated I was recording the conversation, he said XXXX. Then he dropped the call. I had to call back 30 minutes later, I was on hold for 30 minutes before I spoke to someone, however, she was more than helpful to assist in initiating disputes. Please pull the call, I ask that you do something about this type of service. I am also unhappy with the number of disputes in order to get my information corrected. Please look into why this is happening.
On XX/XX/2018 I was called on my mobile phone number by an " UNKNOWN NUMBER ''. The caller left a message as such : " This message is intended for ( First name, last name - both correct ), my name is XXXX XXXX contacting you about a complaint in my office being considered for legal action. Contact the firm at XXXX with any questions or concerns regarding case # ( 6 digit number ). No contact may result in a decision perhaps made without your consent. '' I dialed the number and a young lady asked to confirm my case number and then read me that last 4 digits of my social security number to confirm my identity. She stated that the company was going to file a judgment against me on behalf of XXXX   XXXX XXXX  for a debt that I owed. ( That debt is over 10 years old and the Statue of Limitations has passed and the amount was very small ). I asked her the name of her company and she stated " XXXX XXXX XXXX ''. I asked her if they were a collection agency or attorney firm and she couldn't answer the question so I asked to speak to an attorney there. She put me on a long hold and finally a man named XXXX XXXX answered. I asked him to clarify the name of the company and he refused. When I stated incorrectly XXXX XXXX XXXX, he said, " well obviously you don't hear well because the name is XXXX XXXX XXXX. '' He was extremely rude and I informed him that I didn't feel I owed the debt and that possibly the SOL had expired and he said, " Well, since you are a CSI guy and watch television you think you know the law now '' I informed him that I was well aware of my rights and the nature of the FDCPA and that I believed he was in violation. I asked the address where he supposedly sent the demand letter with all supporting documentation. The address he gave has never been an address at which I lived or worked, nor is it an actual address in any of the places I have ever lived. I asked to speak to an attorney there and he said one had not been assigned and that I was wasting his time and that I wouldn't get to speak to an attorney. I asked him if my attorney called would my attorney get to speak with an attorney. He became extremely rude and stated that he was busy and I was wasting his time. He hung up on me in mid sentence shortly after that. 

Additional calls were more of the same banter - I tried inform him that his company name was not listed as a company with the CA Secretary of State and he said that was my problem for not know how to use a computer and  again was extremely rude. He stated I was harassing them for trying to get clarification. 

After research online, it seems that this company has many complaints from other consumers on various telemarketing bulletins boards and complaint sites that they never have the correct information and threaten legal action to collect money. 

Here are some examples : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX
ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
I obtained my online free annual reports from XXXX and XXXX on XX/XX/2017. Equifax failed to provide a report.
XXXX XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid. 
I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line. 

ERC reference number to this debt is XXXX. 

Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full. 

Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL
Bank of America ( BAC ) sold accounts to XXXX XXXX. My accounts were part of the sale. I chose to go with a different bank. I called XXXX on XXXX/XXXX/15 and requested closure of XXXX checking accounts, XXXX money market accounts ( MMA ) and XXXX visa. Accounts were closed immediately for all but XXXX MMA. They said because it was over {$20000.00} it had to go to the Back Office for closure and would take about XXXX business days. On XXXX XXXX I received a letter ( it was dated XXXX XXXX ) from BAC saying I needed to sign and have notarized an authorization form to close the account ( BAC Reference # XXXX ). Same day ( XXXX XXXX ) I signed, had it notarized and deposited in the mailbox ( in an envelope provided by BAC ). The following Tuesday or Wednesday ( XXXX XXXX or XXXX ) I called to verify that the document was received and the account closure was in progress. They could not verify that it was received but said the account closure was not in progress. I offered to scan and send a copy of the form. They said they could n't close the account off of a copy. I was also told it may take a couple of days to process the request once received. I called back again on XXXX XXXX and talked to a manager, XXXX, who said he went into the system and requested immediate closure ( BAC Reference # XXXX ). He said he did n't need to notarized document to do this. I called back on XXXX XXXX and was informed by a XXXX XXXX that the ticket was closed but the account was still open. No action was taken to close my account. I asked to speak to a higher level manager so that I could get my account closed and receive my money. XXXX XXXX said he would have his manager contact me. I have never been contacted. It is now XXXX business days from the original request to close ( XXXX XXXX to XXXX XXXX ) and my XXXX larger account is still not closed. All other accounts are closed. I was never provided checks for this account and there is not a Bank of America office where I live so I have no other way to get my funds and get my account closed except through this process. Had I known the issues I would be facing now I would have transferred most if not all of the funds to my checking account before requesting closure. It is my belief that Bank of America is stalling on closing this larger account so that it is transferred to XXXX XXXX and the portfolio of deposit accounts/relationships sold to XXXX XXXX remains higher than what it would have been if accounts are closed as requested. I suspect others may be experiencing the same issue that I am.
I recently filed a complaint against XXXX XXXX  about an inaccurate information on my report, they responded by saying that account was sold to Unifund. address : XXXX XXXX XXXX XXXX, OH XXXX XXXX Since then they've not been involved in reporting the negative information.
I would like to File for restitution with the Courts in the State of Maine a Complaint agains t OneMain Financial, CitiFinancial for Damages due to Dual Tracking & Misled  me in Deferring my Loan I recieved improper letters of Request by attempting to FORECLOSE ON MY HOME .I WAS PAYING A  11.75 R ATE I ASKED FOR HELP, my late husband lost his job after 30 years at a local   XXXX   XXXX   .We only wanted to keep our HOME,.
Navient is my loan servicer Navient always got me to postpone payments through forbearance, an option in which interest continues to accrue, rather than enroll in an income-driven repayment plan that would avoid fees, Consumer advocates say loan servicers steer borrowers toward forbearance because it requires substantially less paperwork than enrolling them in low-cost plans that peg monthly payments to a percentage of income. My Students loans are more then half fees and interest.
To Whom It XXXX Concern, On XXXX XXXX I sent {$500.00} from my Citibank account to another Citibank account holder through their XXXX funds transfer service. The amount was debited from my account on XXXX XXXX, but the funds were never received by the receiving party. The XXXX transaction shows on Citibank as failed, but the {$500.00} was not returned to my account nor was it credited to the recipient. 

On XXXX XXXX I contacted Citibank via their website chat. At that point, I was told that an investigator was being assigned to look into it and would give me a call. Later that day, I received a call from the Citibank fraud department where I was told that I could not file a claim until 10 calendar days from the date I sent the transaction, as that was how long it would take XXXX to return the money. 

On XXXX XXXX, along with the receiving party, I contacted Citibank and was told that the {$500.00} should be returned to me later that week. 

On XXXX XXXX, I again contacted Citibank. This time I was told that a claim should have been filed immediately, in direct contradiction to the claim made by Citibank 's fraud department on XXXX XXXX. In attempting to file a claim with them at this point, I was told a claim had been filed on the XXXX, and I should get the money back into my account 10 days from that date. 

On XXXX XXXX, after still not having my money returned, I reached out to Citibank. After having my competence insulted by the initial customer support representative, I spoke to a supervisor. The supervisor claimed that he would expedite my request and that Citibank should be in contact with me today XXXX XXXX XXXX ). That has not happened.
I contacted online collections of XXXX on XX/XX/2018 via written letter requesting VALIDATION of a debt in the amount of {$560.00}. They prompted responded with a letter saying the date has been paid and my credit would reflect that. This is not proper VALIDATION under the terms of the FCRA. I am asking the company to supply a valid contract/lease with my signature on it validating it. This collection has caused great impact on my credit and it doesn't even belong to me.
On XX/XX/XXXX Look at Credit report and Professional Credit did not no I had and account
I have numerous errors showing on my credit report. After reviewing it I sent Experian a letter asking them to investigate these glaring errors on XXXX/XXXX/15. I yet to receive anything from them. Also I read that Experian has been sued recently for the same issue. I plan on doing the same very soon if they do not fix their errors.
First, I started receiving phone calls from  XXXX  company in a  XXXX  of  XXXX  claiming I owe money for the phone bill. I informed company that I never had  XXXX  account and I have been  XXXX   XXXX   XXXX  customer since  XXXX  and never changed company. I asked for information they have on file, such as social security #, account #, phone # account was connected to. Caller refused to provide me this information. I went to police department and filed police report as possible identity theft. After that, I never heard from them again until 5 years later in  XXXX  of  XXXX  when I received a letter from Dynamic Recovery solutions claiming I owe money to  XXXX   XXXX   XXXX . They still did n't provide me any supporting information. I 'm sick and tired of this harassment! I never had  XXXX   XXXX  account and never dealt with them!
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 Equifax : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 XXXX : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
I had a medical bill paid off entirely and even the account it self states the balances is XXXX 2 years ago. I got a call on XXXX by debt collection agency claiming that I owe XXXX dollars and I have to paid the debt. I never got a notice of the bill or invoice or anything for the past two years since the date of service. I just received a collection agency bill yesterday. I check my mail every night after work, did not see any medical bills in there. For two years after I paid the medical bill off
Dear Scottrade, As mentioned in my separate letter, I wanted to highlight that my son reported vulnerabilities of Scottrade systems, including but not limited to the following errors:1. ) Failure to encrypt customer information, including secondary passwords, social security numbers, and other highly sensitive personal information. Scottrade ignored the warnings and as a result the recent XXXX XXXX customer data breach is now a serious issue. If Scottrade has listened to the reports that they did not properly encrypt and protect information the breach would not be as large of a risk to customers. 
2. ) ACH vulnerabilities in Scottrade 's systems that allow hackers to fraudulently initiate XXXX dollars if fraudulent trades. 
3. ) Failure to investigate fraud. 
4. ) Et al. 

To be sure, I have attached a letter sent to Scottrade and the SEC that describes a number of these issues and would invite Scottrade to respond to my concerns and explain why they ignored the fact that Social Security Information was being transmitted and stored in plain text.
I disputed this alleged student loan account. I've previously requested to see a copy of original documents with my signature for this loan. I didn't receive the documents in 30 days any of the three credit bureaus. As I further investigated all three credit reports. I noticed the creditor reported different account balances for this account.
My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW.
I tried to contact Citibank using their online email in my account, but I can not send a new message TO Citibank from my account. I do NOT want to use Citibank chat. Why was my online email disabled AND why was I NOT notified in advance???
I enrolled a credit counselor program call XXXX XXXX in Early XX/XX/2018. I did pay XXXX XXXX {$140.00} every month for my credit card debts. From XX/XX/XXXX until today. I have been getting computer type phone calls from Synchrony Bank & using their voice on my voice mail. They had been calling me over 30 times. I was told from XXXX XXXX not to talk or answer their phone calls. I had to pay my debt off with Synchrony Bank in about 3 years with the XXXX XXXX. I had contracted XXXX XXXX about those harassing phone calls from Synchrony Bank. Synchrony Bank refuses to talk to XXXX XXXX over my credit card debt.
I am XXXX XXXX. I tried to get my private loan deferred, forbeared, or forgiven bit Navient gives me the runaround. Gave me the option for new plan but would not give me a reasonable date to pay. Now trying to default and cancel plan when I will have the money in 4 days.
I pulled my XXXX and XXXX reports on XX/XX/XXXX. They listed capio partners llc as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

I have an older report from XXXX dated XX/XX/XXXX. They listed XXXX XXXX XXXX as a collection agency reporting a medical debt with a " date of first delinquency '' as XX/XX/XXXX. The original creditor as XXXX XXXX and original balance of {$940.00}. 

This fact alone leads me to believe that Capio Partners llc has re-aged the medical debt. On XX/XX/XXXX I called them at XXXX and dealt with a very nasty person named XXXX in reference to this alleged debt. He disregarded what I was attempting to say and continued to tell me that the only way they would delete the information was if I paid the debt and stopped stating it was alleged debt. 

Please help me. I need someone to fight for me. They have all the power to destroy my reputation and you seem to be my only hope.
Capital One has made repeated inquires on my credit report. The did this without my knowledge or consent. They even sent me a credit card that I did n't ask for on XXXX XXXX, 2016. The current problem, though, lies with their unwillingness to remove their latest inquiry from my XXXX and XXXX credit reports or to explain why they made the inquiry.. This inquiry appeared on XXXX XXXX, 2016. Since then, I have called more than a dozen times asking them to fix this. Recently I was hung up on 8 times in the same afternoon. Letters are ignored, and no action is taken to make the necessary corrections. I have no idea if they have issued credit to an identity thief using the information they got without my permission or if Capitol One again opened an account somewhere in my name without my permission.