WillisBack/dataset-financial-user-claim huggingface dataset:
Received unrequested XXXX in mail from Sears or Citibank with instructions to call a number to activate it. Card and paperwork was shredded since we had not requested the card. We have now received a bill from them for payment for something we know nothing about with a {$20.00} credit and a {$4.00} balance. We called a number provided and attempted to resolve this issue and they asked for personal information which we refused to give them. We were then referred to someone named XXXX at XXXX. He referred us to a form to fill out which included a statement that had to be signed stating that we would be responsible for various charges to resolve this fraud attempt lwhich is not agreeable. We went online and found that many people have experienced the same problem with these people and it appears to be a widespread rip off.
Health care collections i attempting to collect on debt that is over two years old. They removed it from my credit reports and now are trying to re attempt to collect it. There are two things wrong this, one i had insurance that was never billed, two you can only attempt to collect on a debt for XXXX  and medical debt and only report for three years in the state of az! This is again the FCRA and i want this item removed i have also sent a cease and desist letters and this complany is still contacting me. Not only did the bill inaccuratly now they are trying re report
3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt
I have sent the original creditor ( XXXX XXXX, XXXX. ), a notorized FTC identity theft report and affidavit and I have requested validation of contract from XXXX XXXX, XXXX, since 2016 this company has continued to harass me with letters. Account Summary Report prepared by RESURGENT CAPITAL SERVICE, this is a dummy corporation for the same collection agency. I have seen or received no contract with my signature making me liable legally for this fraudulent debt.
I asked yesterday for Bank of America ML to make payments to XXXX credit cards ( XXXX and XXXX ) for {$500.00}. They show as being process in my on-line bill pay system on XX/XX/XXXX and yet they do n't show up on XX/XX/XXXX in either my account balance or account history. As such, these payments are not accurate reflecting my account balance and may over draft my account nor are they showing up as pending. I have overdraft protection but this payment to a bank card within a bank system is extremely misleading. Bank of America requests that customers use on line bill pay for services and ease of balance tracking. Please advise as to how BAML will create a system that accurately reflects all transactions made with bill pay and are accurately reflected in account history and pending transactions.
I paid my payment for this month. You guys applied it to last month. I am upset as I do not get until the beginning of next month. I have written my complaint via the email system on chase.com. I do not know what to do and I did not ask you to apply for last month. I ask for you to apply my money as defined by me. I do not want to have issues, and this is very annoying to me. 

Also XXXX XXXX has not paid me yet for my dispute. I would like to reopen the dispute I also got my leasing agreement to show I did not need his services. Please let me know my options.
I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services.
I was shopping for an investment property mortgage refinancing and XXXX XXXX XXXX ( XXXX ID XXXX ) from Wells Fargo, XXXX XXXX, Iowa was helping me. He quoted me an interest rate of 3.5 % with a 3.679 % APR. He also stated my credit score was XXXX. My credit score is around XXXX from the XXXX credit bureaus. In addition, XXXX stated the appraisal fee would be {$470.00}. When XXXX e-mail me the loan paperwork, the interest rate is 4 % and there is a whopping {$8000.00} closing costs for the loan. The appraisal fee also changed to {$720.00}. I called XXXX and e-mailed XXXX asking why. He never returned my calls or respond to my e-mails. This is deceptive advertising on behalf of XXXX and Wells Fargo. I do n't know how many more consumers are being ripped off from people like XXXX and Wells Fargo if they do n't read their paperwork. Something should be done about this.
XXXX XXXX XXXX contacted me via letter on XX/XX/2017 claiming I had pending debt of {$490.00} with cXXXX XXXX. They had attempted to collect a debt that I was not made aware of that it had gone to collections. I requested them to verify debt and they were unable to verify the amount they are claiming I owe. I would like to get this negative remark removed from my report.
I rented a card in XXXX XXXX onXX/XX/XXXX toXX/XX/XXXX.
The rental card was foXXXX XXXX per week and we paid cash. They ask me for copy of the passport driver license and credit card to secured that I will return the car.
The car have break problems and returned 15 minutes later.
They did n't have a similar car and they gave me an upgrade for XXXX additionals.
To my surprise onXX/XX/XXXX i saw two credit card charges one for XXXX and another for XXXX. I call the Wells Fargo and told them that those charges were not authorized by me and hold payment until they investigate.
On Monday was another charge for XXXX and also told the bank that is fraud.
They are refusing the reverse those charges I ask them to contact the merchant and request an authorization from me and they are refusing.
The card number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
On XXXX, I called Transunion to remove inquires that I did not authorized. I spoke with a US Rep that was handling my request. In the midst of our phone call, as he was confirming the ones that needed to be removed, the call was disconnected. I called back and waited 15 minutes to get another US rep on the phone. I explained to him what happened and how the US Rep was deleting unauthorized inquires and could he continue. He told me that he could n't do it. Again, I explained that the other US Rep was in the processing of deleting these unauthorized inquires. However, he did not care. Needless to say, he did n't help me with what the other US Rep was more than willing to help me with. There 's XXXX inquires from 2016 from car loan places. None of these places had my authorization to pull my credit or anything relating to this matter.
MY MORTGAGE WAS JUST SOLD/TAKEN OVER BY PENNYMAC LOANS XX/XX/XXXX. I HAVE HAD NOTHING BUT ISSUES WITH THEM SINCE THEN. NOT ONLY HAVE THEY DECIDED THAT MY ESCROW ACCOUNT NEEDS MORE MONEY AND RAISED MY PAYMENT, BUT NOW THEY HAVE NOT PAID MY HOMEOWNERS INSURANCE PREMIUM. SUPPOSEDLY THE CHECK " GOT LOST IN THE MAIL ''. MY INSURANCE COMPANY HAS CONTACTED THEM ATLEAST TWICE A WEEK FOR 3 WEEKS, WITHOUT SUCCESS. NOW POLICY IS SET TO CANCEL IF THE PAYMENT IS NOT RECEIVED BY TOMORROW. MY INSURANCE COMPANY REP GOT ME INVOLVED TODAY, AND AFTER MULTIPLE CALLS, PENNYMAC THINKS THAT THEY CAN SUPPOSEDLY GET ANOTHER CHECK OUT BY MON OR TUES .... SEVERAL DAYS AFTER MY INSURANCE POLICY CANCELS. THEY EVEN SUGGESTED THAT I JUST PAY MY PREMIUM, THEN I CAN GET A REFUND FROM MY INSURANCE AFTER THEY FINALLY PAY.
The account looks like it was re-aged. The date opened was XXXX/XXXX/XXXX but the date of delinquency is XXXX. How was this account late before it was even opened? The date it was reported was XXXX and the first major delinquency was XXXX and if you look at the payment history there is no late payments. I would like this account removed from my report. I disputed with XXXX  but they never got back to me they just put a consumer disputes remark on the account with no explanation if and how they verified the accuracy. I dont see how the information is accurate when the account wasnt opened until XXXX yet was late XXXX before the account was even opened. Please remove account from my report.
case # XXXX previous dispute ( see attach ) was delete when I receive the email from cfpb and 1 day later the put it again???
XXXX transferred a student loan ( for one of my children ) to Great Lakes. I was notified by mail continuing through XX/XX/XXXX that this would occur. I have paid all the bills as presented up to now, but I received an email from Great Lakes in XX/XX/XXXX saying that I, "... appeared to be behind in my XX/XX/XXXX payment ''. I never received any communication from Great Lakes about paying a bill, and I always tell lenders that they need to mail me a printed statement, and I will not pay electronically, I made it clear to Great Lakes that I am not going to pay a {$17.00} late fee on a payment I never got. Obviously, money is not the issue. I demanded through three ( 3 ) representatives on the phone that they would be paid as soon as they sent me a XX/XX/XXXX bill, and one for XX/XX/XXXX, too. They sent me a " Student Loan Obligation Statement '', stating that I, "... had requested it. '' I did not request it, I demanded a bill. There is no return mailing address on the aforementioned document. I am mailing copies of all relevant documents to you, XXXX XXXX, Great Lakes and XXXX, so that they may decide among themselves who has to pay the late fee to XXXX XXXX, the owner of the loan. I have suggested to Great Lakes that they should pay it, since it was their error that generated the late fee to begin with. They said I would have to take that up with XXXX XXXX. which I have done, but you are being cc 'd on all of this, and that fact is noted on the other letters to the other parties. I fully expect Great Lakes to resolve this issue, including mailed billing statements, to my favor with no negative reporting, whether they come to the conclusion on their own or are compelled to comply. Thank You.
I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX.
Two XXXX XXXX XXXX accounts appeared in my name that I never knew about the same time I made a fraud report and sent them to the company, even after a year they still bother me because they sell the account to a and another collection company and I do not know what to do, I sent several disputes with the relevant documents and nothing is resolved
OCWEN has been mismanaging my foreclosure for almost XXXX years now. After filing for bankruptcy my foreclosure hearing was suddenly dismissed without prejudice, which means they can refile at any time. Currently I am in conversation with XXXX different people, XXXX at XXXX XXXX, the Trustee and XXXX at OCWEN. I 'm asking to speak with someone who has the authority to dismiss the lien now that the note has been discharged and the property is a liability rather than an asset to either the bank or to me. Ultimately I would like the lien discharged or for the foreclosure court ( Maine ) to simply dismiss the case with prejudice so that I can get on with managing the property at a loss because it has sentimental value. The first step would be to identify someone at either OCWEN or XXXX XXXX who has the authority to make that decision, if in fact they agree with my cost benefit analysis and simply want to close this case. Otherwise, I want them to discuss options with me. 

The customer service at both XXXX XXXX and OCWEN has been atrocious. It seems to me this is one of the important roles of government to protect individual consumers from huge corporations ( is OCWEN approaching monopoly status? ) that are poorly run and are managing arguably the most precious asset most families will ever own. 

Please help me resolve this problem.
Yesterday my daughter was contacted my a person named XXXX XXXX who made threatening statements about a lawsuit against me. The phone number she was given was for XXXX XXXX XXXX XXXX ( XXXX ). I called the number and left a message. I was unaware of any debt owed that would result in such action. 
When XXXX called me back she stated it was unresolved debt from a payday loan I 'd taken out in XXXX 2014. I know for sure that loan was satisfied. She stated I would be served papers and verified my phone number and place of address. 
The next day I got a recording stating I would be served papers at my place of residence or work and if I was served at work then I would need a supervisor or head of security to co-sign. I called then number provided ( XXXX ) and was transferred to a business that did n't identify themselves when they answered. They merely said hello. I asked who I was speaking to and was told XXXX. I attempted to talk to him about availability to be served court documents. He became extremely rude. 

He asked me if I had spoken to the original creditor ( The Cash Store ). I said I did n't, but I had bank statements and receipts to prove the loan was paid in full. He told me to expect to be served and the matter would be resolved in court. 

I called the Cash Store and was given the information to their corporate office. The person I spoke to confirmed the loan had been paid in full. She said if I received any other phone calls I should tell them to 'Cease and Desist '. I called the phone number back ( XXXX ). Again, the phone was answered by XXXX who did n't identify the place of business. I told him I had spoken to the Cash Store and the loan had been satisfied. I told them the representative said to cease and desist. He told me to bring all of that information to court and hung up on me. 

Part of what seems off is yesterday, XXXX XXXX did not have my employer correct and when I told her that was not my employer, she did not try to collect the information for my current place of employment. They also can not tell me how much the original loan amount was and the stated I had written bad checks. The money was automatically withdrawn from my account, which I have proof of on bank statements.
( This happened to me a couple of years ago w ith Citibank Best Buy Visa w hen I lived in  XXXX  and I wound up paying more than I should have to neutralize the matter. ) I have a high balance on this card. It is a  Visa card requiring an annual fee. There is never any notification the month before that the fee is due. Now, around  6 months ago, I decided to stop using this card and simply make payments on it  ( 1 ) because of the high balance and ( 2 ) beca use my routine {$40.00} payments are reduced to 50 % toward the balance anyway. So, for the past 6 months or so, I have not made any purchases and my {$40.00} payments have been consistent. That would mean I have paid approximately {$240.00} and about {$120.00} of that balance should have been available. So, why am I being currently billed 'as of   XX/XX/XXXX ' on an account with a {$1300.00} credit limit {$1400.00}, and why is my minimum payment not {$40.00} but {$190.00} which is due XX/XX/XXXX ?   <P/> I would appreciate CFPB auditing my account to figure this  one out. As I mentioned in opening, this has happened to me before with this credit cardholder service. I have attempted to call Citibank Visa to discuss this on a phone that had very little energy but I had to. But, before I lost the call, the CSR  could not find any thing that suggested I was in arrears except my annual fee. If that is the case, the annual fee balance owing had to be no more than {$10.00}! Quite actually, I should have had enough money available to pay the annual fee. To my knowledge, the annual fee is {$75.00} ; if it has increased, I certainly have not been advised.  <P/> I question " late charges '' on the annual fee. It is " imposed '' and I did not purchase it. Regardless, late charges do n't have to be " {$25.00} late charges ''. Credit card issuers have the option to charge a late fee as minimal as {$1.00}, {$5.00}, {$10.00} and so on. Best Buy  Citibank Visa has consistently charged me {$25.00} late fees. Why? I am not a bad customer of more than 8 years. Furth er, I would like the option to change over to a card that does not require an " annual fee '' with an 8 year credit history.  <P/> In any event, I just moved from  XXXX   XXXX  to  XXXX ,  XXXX . I live in a low-income senior property, and am not in a position to pa y Best Buy Citibank Visa {$190.0 0}. ( While I do not know the rationale, I do believe my finance charges are increased markedly some months and it is a glitch that is ignored. )
This collection agency by the name of XXXX XXXX XXXX currently has a debt under my name from American Express. I called on X/XX/2017 at XXXX to make a deal on paying this account in full and spoke to the Manager who did not reveal his name. I asked him if I had the option to pay this account online or via phone by making partial payments. He told me I did not have the option to pay the balance I owe online and that I had to make a one-time lump sum payment through the phone. I tried to reason with this agent and told him that I was only able to make partial payments towards paying off the balance but once again I was unsuccessful in coming to a convenient and reasonable payment arrangement. I ended the call by thanking him.
Over the last few years, especially since Navient took over, I have had repeated issues with my private, and recently federal, loans from XXXX  school ( XXXX ). My private loans have been in repayment for years, and at least once a year, Navient redirects the funds to other loans. Even when my federal loan was in economic hardship forbearance ( meaning not in repayment ), they directed private loan monies to the federal loan. Then they harassingly call me ( and my elderly father as co-signer ) to say I'm delinquent when it is their mistake is misappropriating my payment. It is SO FRUSTRATING!! It just happened again. Now that my federal loan is in repayment they misappropriated those monies as well. I am never told the same thing twice by any representatives. I brought my federal loan current in XX/XX/XXXX and then started its repayment, only to be told yesterday ( XX/XX/XXXX ) that the representative gave my the wrong amount to bring it current and that I have been charged late fees since XX/XX/XXXX on an amount I never knew was outstanding. It just can't be right. The private and federal departments are separate and seem unable to speak to one another when these issues arise making it almost impossible to resolve these errors. I was on the phone yesterday for 2 hours and 11 minutes - only to learn that, again, they had moved the money to the wrong account. I can not help but wonder if there is something illegal going on ...? They also keep suggesting that I directly deposit to them to make things easier ; or make my payments through their website. Like I would ever let them be in charge of my money. They do not know what they are doing. It really is criminal. In fact, yesterday, when I forced them to go over the details of my accounts and payment history, they informed me that one on my private loans was paid. They never let me know and payments kept electronically going to that account. They said they were just applying them to another loan group. How is this possible?? I keep threatening to get a lawyer every time I speak to them. It really is unconscionable the way they handle this business. I was also told yesterday ( XX/XX/XXXX) that when I over pay my loan amounts it makes it " harder for them to know where the money should go ''. Seriously? Isn't that what account numbers are for? Everyone knows that one of the first things you do as a student borrower is to over pay as able to decrease the amount of time you are in repayment. To me, it seems that Navient 's representatives are suggesting that I keep my payments lower to increase the amount of interest I accrue and therefore have to pay them. Bad advice - and maybe illegal to suggest ...? I am a medical professional and have run a successful practice for the last ten years. I can not believe how demeaning it is to deal with Navient. It just has to stop. For me, yesterday was the last straw. I have these loans because I have a profession that I love and spend my life helping others. I can not believe that I am forced to constantly deal with this mistreatment and mishandling of my money. If there is any way someone can assist me, I would be very grateful.
I am to report a HIPPA Violation on an outstanding medical balance on all 3 of my credit reports. I sent a certified letter to Paramount Recovery on XX/XX/XXXX requesting that they validate the alleged debt and that I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. My letter also stated that I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patient’s authorization. Therefore, my request is twofold—validation of debt and HIPAA authorization.  On XX/XX/XXXX I received an envelope that consisted of my medical records from XXXX XXXX XXXX XXXX, which is a violation. I am requesting that the charges be removed from my credit reports w/ XXXX, XXXX and XXXX (any credit bureau that they report to) due to I do not owe Paramount Recovery. I did not give permission for any medical provider to release any of my medical information to anyone.
Equifax data breach. I allege Equifax failed to keep their systems up to date which resulted in a massive data breach that affected approximately XXXX people including me! This put nearly XXXX of the XXXX population 's credit data at risk. The management of Equifax must be held responsible for this data breach!