WillisBack/dataset-financial-user-claim huggingface dataset:
WELLS FARGO APPROVED A MODIFICATION ON MY PROPERTY, I DID AGREE ON ALL NEW TERMS & CONDITIONS. A MOBIL NOTARY WAS ASSIGNED TO ME, TO NOTARIZE AND EXECUTED THE MODIFICATION ON XX/XX/2018. A FEW WEEKS AFTER ANOTHER MODIFICATION PACKAGE ARRIVED AT MY PROPERTY INCLUDING ADDITIONAL DOCUMENTS TO BE SIGN, IN FRONT OF A NOTARY AND RETURN. THIS NEW DOCUMENTS INCLUDED, A ASSIGNMENT OF RENT RIDER.I DID NOT SIGN THE NEW DOCUMENT BECAUSE WERE ADDED AFTER THE FACT, OF SIGNING ALL REQUIRED DOCUMENTS.ALSO THIS DOCUMENT BENEFITS THE BANK ONLY AND NOT MY SELF. THE WAY WELLS FARGO IS CONDUCTING BUSINESS CREATES A MISREPRESENTATION BY MAKING FALSE REPRESENTATION.BREACHING A CONTRACT BETWEEN CLIENT AND LENDER.THEY HAVE TO BE RESPONSIBLE FOR ANY MISTAKES MADE BY THEIR REPRESENTATIVES AND EMPLOYEES.
agents from Ocwen keep calling asking for a XXXX XXXX and that person do n't live here and I do not know anyone with that name. I have asked this company to remove my phone number and explained to them that the person they are asking for does n't live here. the first call I requested to be removed was on XXXX/XXXX/2015. on XXXX/XXXX/2015 they called and we went through the process again on XXXX XXXX and again on XXXX/XXXX/2015. I called the company back on XXXX/XXXX/2015 and asked for a manager and gave that person the same information. Every time the call has ended with them letting me know my phone number has been removed and they were very sorry. They called again on XXXX/XXXX/2015 and we went through it all again this time I called back and was on the phone with them for over an hour being switched form person to person and the were confident my number was removed from there list. Well they just called again on XXXX/XXXX/2015 and I lost it this time. yelling at them to remove my number. Sorry but these people need to be stopped. there phone number is XXXX and company Name is Ocwen Debt Collection
I opened a credit card at a merchant when purchasing lawn furniture and hot tub. I was told the furniture had no interest if paid in XXXX months and the hot tub, no interest if paid in XXXX months. I have been paying over the minimum payment all year, and now received a call that Wells Fargo, the card issuer, is charging interest. I am baffled, since my balance is much lower than the lawn furniture cost, since I paid more than the minimum every month. Now, the woman is explaining it is XXXX different types of promotions and it depends on the way they applied the payments. I am very upset with how poorly the promotion was explained. I have been fortunate enough to use deferred and no interest offers through different banks and never had this problem! Wells Fargo needs to be reigned in.
-Continuous calls from random numbers even though I told them I have tried to get finances in order so that I can actually pay. Called family members using the same language. Refused to tell me the organization they were calling from. Continuous calls very early in the morning.
Selene Finance a debt collector took advantage of me several times. Twice that I know of they taken money from me on 2 modifications and increased my mortgage payment to a higher amount. Over a few years with Selene Finance my mortgage jumped up to XXXX more towards my debt. After years fighting with this company they ended up selling my mortgage to a lender called XXXX XXXX. Honestly this company is doing really nothing for me as well. What can I do now do fix my mortgage and get myself on track again? 

Please email me at XXXXXXXXXXXX
A dispute was submitted to ARS ( Advanced Resolution Services ), formerly known as XXXX XXXX, regarding a bankruptcy on my consumer disclosure credit report with ARS. An improper investigation was conducted, such as not following proper procedures per FCRA ; thus violating FCRA rules. Since ARS failed to properly investigate this matter, I feel the bankruptcy should be removed from my credit report immediately. 

I hereby demand, per FCRA 611 ( 15 U.S.C. 1681I ) that ARS provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. ARS is required to provide the following within 15 days of receiving this request : The name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy. I also demand to know who ARS referred this dispute to ; and who responded back with the required verification. FCRA Section 611 ( a ) ( 2 ) requires you to contact the furnisher of the information. 
PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals ' Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, ARS 's claim that PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires notifying the party who furnished the disputed information, ARS is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices. '' Furthermore, ARS claim could potentially constitute a violation of Title 18 United States Code - Section 1028. 

Again, I am demanding a re-investigation AND the method of verification with the information furnisher. 

Attached to this complaint is a copy of my initial dispute letter dated XX/XX/2018 and a copy of the response form ARS.
Unable to get a hold of business ( Progressive Management Systems ) who has reported information to XXXX about a medical debt that does not belong to me. I have contacted ( XXXX ) to clarify accuracy of debt, I was told they have No record of me at XXXX they told me to contact collection agency but I am unable to contact the company as every listed number is not active. I have filed a dispute through XXXX but company reports this is my account. how is that when I do n't live in same state or have ever in my life been to a XXXX hospital or group as XXXX has told me XXXX has No record of me. What do I do?
This is a crazy story but Wells Fargo went well beyond to steal this home from me. They foreclosed on me in XX/XX/2015. First being a combat wounded veterans I was going through a ton of XXXX XXXX and on over XXXX XXXX and considered XXXX XXXX XXXX.

Wells Fargo stopped accepting my XXXX home insurance and I was never notified so they brought on their own company causing my mortgage to increase by several hundred dollars. I had a rentor in my home paying the bank directly since I was not able to not knowing the increase in the mortgage. Well when I was healthy enough I tried to apply for mortgage assistance and Wells Fargo flat out refused. I ask for help from the VA leaving countless messages and they never helped to intervene. Giving the circumstances I feel Wells Fargo used my XXXX  against me to acquire this home which was the only home in the neighborhood with an extra plot of land 1/2 acre of land vs a small backyard. It was the most valuable home in the neighborhood. In addition, every mortgage payment I tried to make to catch up, they just returned back to Me which was even more weird. I feel they were trying their best to forcefully take the house away from me and in the end, they did.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
I had been trying to applied for a citi bank credit card since last year, on Sunday XXXX XXXX XXXX I tried to applied for a credit card over the phone. And still got denied. I truly do n't understand why because I have an excellent credit score history. I called once to Citibank and all they told me was that I had too many credit card accounts open. Which is not true. I think their policy and procedures of getting a credit card with citi bank is horrible. I would like to get a more depth explanation of why I had been denied multiple times in getting a credit card? I will appreciated it
I keep getting a call every other day. I do n't owe no one from this number any money. No one says anything and then hangs up.
I am contacting you in regards to a dispute between me and my financial institution. Me and XXXX XXXX were previously using a venue as our wedding venue. We have agreed to part ways in business and per XXXX who is the merchant and business owner, we had the deposit of XXXX refunded back to our debit card ending in XXXX minus a XXXX processing order fee equaling XXXX. My bank is requesting a receipt from that business or a confirmation that this refund is in regards the deposit of XXXX-XXXX processing fee= XXXX ( refunded back ), the original transaction from your venue to my card ending in XXXX was XXXX from XXXX XXXX XXXX XXXX done on XXXX/XXXX/15 and the method of payment was debit card. I have informed them that the merchant is refunding back the full deposit and that the XXXX was XXXX of XXXX payments equalling XXXX They are refusing to provide me my money back and have made it impossible for me to speak to a supervisor. My account was negative and it paid the negative balance back but they are not wanting to give me my money back. I have informed them that this money is vital to dfeed my children, and to take care of my daily life yet I am being treated like a criminal and not given realistic options even fter I have contacted the merchant. I am just looking to get my money back and I will no longer do business with this company after this
I received a statement from a third party regarding a refund amount from a Citi Bank class action lawsuit. When I called the number, they told me the credit had been issued to the party owning my debt. I consulted my bank and we went back to XX/XX/2012 and found a check written for {$3300.00}, which I believe was the pay off amount for the card. 

Every number I call seems to be sending me off in a direction that won't help to resolve the issue. The last of the 10 calls I made to Citi Bank, the rep said she was unable to pull up any account info for me and gave me a n umber to call. When I called that number, it appears to be a credit collection company. 

I also consulted my credit monitoring service and they said there was no bad debt on my credit report relating to Citi Bank. 

If this is a scam, it is very well orchestrated. 

I would appreciate any help in letting me know how to proceed with this issue. 

Thanks
I am submitting this complaint about XXXX credit reporting agency. My first issue is I answered all the security questions to retrieve my report online and was unable to do so. I received a message they can not allow me to view my report at this time. I have an account reporting on my credit report that should be deleted. " XXXX XXXX XXXX ''. I spoke with corporate office in regards to this issue and was told months ago that it was agreed upon it will be deleted off my report. To date it is still reporting on XXXX which is causing me a major problem in obtaining substantial credit as it is affecting my credit score. I have been dealing with this for months now and it still has not been deleted. You are suppose to have 24 hour access to your report online however as I mentioned earlier XXXX will not allow me to view my report. I have contacted legal advise in regards to this issue in suing XXXX because they are not doing a proper investigation. If they did do a proper investigation the response they would receive would to be delete this account off my report. It was deleted off my other credit report. I am very fustrated with XXXX as they do not understand that this is my credit worthiness and it is causing a hardship.
I XXXX in XXXX as a way to pay off my federal student loans, the XXXX apparently did not register XXXX loan. I was unaware of this and only found out this year when my taxes were withheld and my wages garnished. The Department of Education sold my loan to a collection agency, I asked the agency to provide proof that this is in fact my loan, and provide proof that they acquired this loan from the Department of Education as well as the amount that it was for. The collection agency has repeatedly refused to provide this information. I did not want to pay unless I knew that this was a legitimate debt. 
I stated that if they could provide this information, I would pay. Now they have garnished my wages and put my job in jeopardy. Furthermore, I was XXXX for XX/XX/XXXX, got out of the XXXX in XX/XX/XXXX, and started my XXXX XXXX in XX/XX/XXXX. I am not sure on the law, but I believe that I should have been protected during this time. 
Lastly, to reiterate, I only found out about this debt recently. However, I have heard from multiple collection agencies regarding the same alleged debt, how am I supposed to know which is valid and or real. I first heard something of this debt in the past two years, but could get no real information, so I let it go. I only realized that it was real after the aforementioned garnishment.
Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report
XX/XX/2017 ( {$3100.00} ), and XX/XX/2017 ( {$1400.00} ) XXXX accounts were opened in my name and the debt was sold to " XXXX XXXX XXXX  ''. I have never opened an account with XXXX and furthermore, I never resided in the states of which they were opened in. The fact that these accounts were opened 8 months apart and this wasn't a red flag to XXXX is beyond me. The two accounts are reporting negatively on my credit report and I am only now becoming aware of them. I've tried disputing these accounts with the bureaus but the debt buyer responds verified with lack of sufficient information supporting the claim. If this debt is in fact my own, I would like the license and social security card on file compared to my own and I can ensure it doesn't come back validated. These accounts are causing me to suffer and I am feeling it is out of my control. Anything that I can do to assist XXXX in resolving this matter, I am open to.
AR  Resources  is reporting negatively to my credit report. I do not have a contract with AR  Resources  nor are they licensed to collect in the state of Florida due to their license being expired. I 've contacted AR  Resources via th e  XXXX  major credit reporting agencies requesting validation and verification of this debt by contract. I have not received such information.
My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.
I am receiving letters from XXXX XXXX XXXX XXXX XXXX XXXX for the current creditor " LVNV Funding LL '' for XXXX XXXX XXXX XXXX for a debt I do not owe. 

The Ref # is : XXXX in the amount of {$1600.00}. I do not owe this debt and want them to stop contacting me.
Transworld Systems Inc.  sent me a letter after I had sent them a written request not to contact me again in any form.  Transworld Systems  proceeded to send me a letter after they received my cease and desist letter. T ransworld Systems  flagrantly violated the  Fair Debt Collections Practices Act  with their communication after receiving my written demand not to contact me in any form.  Transworld Systems  is flagrantly violating the  F  air Debt Collections Practices Act .
It has to do with a hospital payment of over {$1200.00} I should not owe. I XXXX back when I was in XXXX school. I know my parents did not finish paying the bill. Once I turned XXXX I am assuming the responsibility was moved from my parents to me but why should I be charged {$1200.00}? I found out was I tried to obtain a credit card but was denied to many times. As a current college student, this has affected me greatly! I should not have to owe anything but the worst part is that now only could I not get a credit card but my dad 's credit was also ruined. Basically, this has affected both of us and why should I be affected when I did not do anything wrong. My dad agrees this should have only affected him and not me in anyway and wants to remove that bill from me and move it towards his account. I want this bill to be removed as fast as possible because it is crucial for me right now to be able to obtain a credit card.
The College I attended XXXX XXXX XXXX XXXX was shut down while still enrolled. I was not able to complete my program, but I still have to pay this private loan through UAS.
I am contacting the CFPB in desperation. Our home is scheduled for foreclosure sale on XXXX/XXXX/2015 and Bayview will not postpone this sale. The reason for hardship was completely out of our control as XXXX is permanently XXXX. I have been out of work because I stay home and care for him as he needs XXXX hour supervision and care. I had been working with Bayview for a loan modification and just today after my loan was transferred to yet another rep. The previous rep told me they were requesting an appraisal as they were refusing to defer 30 % stating my value just happened to be 79.99 % and would need to be over 80 %. After disputing explaining the value is much lower making the LTV closer to 95 %, he was going to request an appraisal. The very next day, a new rep was assigned and a denial letter was issued today, XXXX/XXXX/15.
The first week of XX/XX/XXXXI requested a loan payoff from Bank of the West through their automated phone system. The payoff was {$14000.00}. I obtained a loan through my 401K for  {$14000.00} and obtained a cashiers check for the loan payoff and Priority mailed it to the address received on there automated system. The item was delivered on XX/XX/XXXX and the check according to my bank was cashed on XX/XX/XXXX and has since cleared my bank. The problem is that as of today XX/XX/XXXX no money has been posted to my account to pay off the loan. I have contacted their loan department several times and no one knows where the money is. I went to the local branch to make a XX/XX/XXXX payment so I would n't be late and showed the bank teller the canceled check that had Bank of the West stamp on the back and she called the loan department. Someone said oh the money was in routing and would be applied to my account. That was on XX/XX/XXXX and still nothing has happened. I have had to take time off work to try and figure out what is going on. Can you help?
This is a complaint on Citibank 's new policy discriminating against customers because they don't believe in the customers 2nd Amendment rights of law abiding United States citizens. 

The company took billions of dollars in bail out money without questioning whether the tax payers that paid for it were 2nd amendment advocates or not. This new discriminatory policy is hypocritical at best. If they chose to have the basis be religion, race, gender, XXXX orientation or if you used your freedom of speech to express an opposing viewpoint, the outcry would cause them to be fined or put out of business. The constitutional protection for the 2nd amendment is no different.

Citibank must stop discriminating against law abiding citizens. It is unethical for them to try to use their influence to dictate to customers what XXXX owners, purchases, sellers and manufactures constitutional rights are.
Navient has lost an automated payment made to my student loan account, and refuses to correct the situation. My bank has provided Navient with documentation showing the payment was made yet the issue is still not resolved a month after the lost payment.
on XX/XX/XXXX I worked with PROFESSIONAL DEBT MEDIATION to close a collection account. Together we negotiated a PAY for DELETE on this collection account as It was given permission from XXXX XXXX XXXX. On XX/XX/XXXX I made the payment of {$200.00} to satisfy the collection account and told PDM would reach out to all 3 credit bureaus and remove any trace from the collection account on my credit report. 

On XX/XX/XXXX, i reached out again to see why there were no changes to my credit report being as we negotiated a pay to delete. I was told that my inquiry would be sent over to XXXX XXXX at XXXX. XXXX would reach out to me regarding my concerns. 

I did not hear back from anyone nor did anyone from PDM call me. I then reached out 5 days later on XX/XX/XXXX and asked if there was someone else that could assist me. I was then sent a letter via email with the date of XX/XX/XXXX ( see attached ) That PDM send to the credit bureaus i'm assuming? 

I paid the account off on XX/XX/XXXX. Why does the letter being sent to the credit bureaus have a date of XX/XX/XXXX? This means they never sent the letter in the first place. They didn't do their job to close the account and give work to the credit bureaus. Why should i be emailing them over and over to have them do THEIR job? I should not have to do that. I
XXXX   XXXX ,    2017 Atlantic Recovery Solutions calle d myself, my husband, and my sister in-law multiply times saying that I owe   XXXX   XXXX  . Even after I talked to them and told them I would look into this matter and to not call me back that I would call them back they continued to call myself and husband multiple times each day. The individuals that I talked to threatened that this will go on my credit report and under my social security number if I do not pay them by the end of the day. I asked for specific documents and transactions about this account and the company said that it would take up to a year for them to get my any type of documentation. All they could send me was a Validation of Debt letter and a Placement Letter, but nothing specific to the account.
Pacific Union is now refusing to accept my payments due a returned check. They will no longer allow me to pay online or by phone or through my bank with bill pay. As a result of the returned payments my mortgage fell behind 2 months and they stated they were going to begin the foreclosure process, sent someone to my house twice to post notes on my door and the last one was on my property taking photographs. They knew I was attempting to pay my mortgage but went ahead anyway. I find their business practices unethical and threatening. When I realized my payments were being rejected I called them and I was told that due to the returned check that for the next 6 months they will only accept payment via certified check or through XXXX XXXX in which I'm forced to pay extra fees. The associate on the phone was unhelpful and rude. I bank online so not only it this extremely inconvenient it also costly and very stressful. As a mortgage lender PCU has a fiduciary duty to it clients and needs to hold itself to that standard.
I have bill from " XXXX XXXX XXXX XXXX XXXX " on XXXX XXXX 2015 ( amount {$550.00} XXXX, and it was paid in full. 
but I 'm still getting contact by the collection agency " ( Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX XXXXXXXXphoenixfinancialsvcs.com XXXX XXXX ) XXXX ) '' and they still want me to pay ( {$400.00} ) to remove this debt from my credit.