WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. 

I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. 

I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. 

I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. 

I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. 

That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. 

Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.
Despite repeated phone calls to TD Bank, complaining that reordering transactions from High to Low, has resulted in hundreds of dollars of overdraft fees, I was told that I did not " fully opt out ''. 

I do not understand. They wanted me to listen to a recording and " consent '' at the end. Yet, their recording stated that I may still be charged {$35.00} per transaction, even after I sign up! I immediately denied this and I can prove this because I recorded the conversation. This is lawful because I live in New Jersey, which is a one party state. 

I also read that despite TD Bank paying a {$62.00} XXXX dollar settlement for reordering transactions, they continue the practice to this day. TD Bank remains the only bank who still reorders transactions from High to Low. 

I 've tried several times to work this out with TD Bank, to no avail. This is horrific and this predatory practice preys on those who, like me, live paycheck to paycheck, for they know we are also the least likely to fight back. We are unable to close the account with a negative balance yet unable to pay. Meanwhile, they continue to add fees and it feels as if I 'm in TD Bank Prison and I 'm unable to break free. There are two proposed class action lawsuits filed against TD Bank this year alone and one of them is for -- you guessed it -- excessive fees. The other is for their coin counting machines. In my humble opinion, TD Bank has engaged in the predatory practices of Bad Faith and Breach of Contract and it is no accident that the most damage has been levied at those least able to fight back : the working poor. This is unconscionable and they need to be held accountable. Please help us. 
Thank you.
I was notified via text message from USAA of possible debit card fraud on Thursday, XXXX XXXX, 2017 at  XXXX XXXX. I immediately replied to the text that - yes the charges were, in fact fraudulent. The fraudulent charges totaled {$1900.00} - nearly {$2000.00}. <P/>Given that USAA prides itself on good customer service, I expected that I would be given provisional credit, until the dispute could be investigated. USAA does not have many brick and mortar branches, so I moved my household account there because I had expected they would put their money into superior customer service. However, I am wrong in my assumption. <P/>After the text on XX/XX/XXXX and my subsequent call to them on the same date - I did not hear anything back from them. No phone call, no text - no email. I checked my account every day and noticed that although the charges stated pending - the monies were deducted from my available balance. It was n't until today, XX/XX/XXXX ( 5 days later ), when I called them to find out about the status of my claim. <P/>I was told today and my account revealed that USAA had finally reimbursed me for the fraudulent charges. <P/>I am so disappointed in USAA 's lack of customer service. No calls, texts, no communication as to the status of my dispute claim for fraud. This was clearly fraud. There should be an algorithim to detect that this was out of pattern for my profile. This is unacceptable customer service. I am so surprised with this treatment. Most banks will give provisional credit and then investigate the claim. <P/>Wow - I still can not believe the lack of customer service. I will not be using my USAA debit card anywhere. Only for ATM withdrawals. <P/>I hope that USAA Senior Management sees this complaint Regards, XXXX XXXX
In XX/XX/XXXX I went to the Emergency Room at XXXX XXXX XXXX XXXX in XXXX, using my VA Medical ID Card, to obtained treatment for XXXX XXXX XXXX. XXXX accepts VA Health Patients with ID, and sub contracts their ER services to outside providers. THE ER uses the VA Benefits ID I give them to bill the service back to the VA, which in this case, the bill goes to the VA 's XXXX, Fl., offices. 

XXXX XXXX XXXX XXXX billed me {$600.00} for the ER visit, which I paid them off in monthly installments until it was paid in full. But suddenly I got a bill for {$580.00} from XXXX XXXX XXXX XXXX XXXX XXXX that had a XXXX, Fl., XXXX XXXX  as an address. 

I wrote to them asking what the charge was for and got a vague response of " ER doctor visit. '' Well this doctor spent as much as 10 minutes with me before writing a prescription. neither I nor the VA deemed that worth {$580.00}, and the VA settled the bill at {$42.00} in XX/XX/XXXX. 

THE VA also warned XXXX that they could not seek any further payment from me as a Veteran who used the ER services at XXXX under an agreement with the hospital to provide services to VETS who lived more than 40 miles from the nearest VA hospital facility. The nearest facility is XXXX XXXX, Fl -- 75 miles south of XXXX, Ga. 

XXXX, however, has thrown this bill into collections and it is showing on my credit report TWICE under different collections agencies. 

BY Law XXXX can not seek payment from a Veteran once they accepted payment from the VA to settle the bill. 

They MUST remove the items from my credit report and desist from further harassment from me for a bill which they can not legally collect. 

Because of their harassment, I have ceased using XXXX for ER services and when I get sick now, I have to drive sick down XXXX to XXXX XXXX to be treated. This is dangerous, but with this kind of greed locked into the civilian system, I have no alternative.
Phone calls from this number - XXXX, which is a scam number stating that extended family members have debt and that I am implicated. Most recent call and voicemail received on XX/XX/18 at XXXX.
My Name is XXXX XXXX XXXX XXXX. 
Concerning XXXX XXXX XXXX XXXX XXXX CA XXXX-Loan # XXXX : My Mortgage company ( PRMG ) claims they returned an accepted payment that was processed on XXXX XXXX 2016 in the Amount of {$1700.00}. My bank has confirmed the payment was not returned. PRMG has provided no evidence of a returned payment. They have assessed late fees and insufficient funds fees as well as home inspection fees. I have provided them with direct contact with the bank, as well as evidence of no returned funds, in the form of bank statements as well as an ACH trace number. They will not accept my XXXX payment without a repeat payment for XXXX for a total amount of {$3600.00} including penalties. 
Concerning XXXX XXXX XXXX XXXX XXXX Ca XXXX-Loan # XXXX : PRMG transferred servicing divisions for this loan on XXXX XXXX 2016 they did not include a previous payment to the previous servicing division in the amount of {$1600.00} which a check was cashed on XXXX XXXX 2016. They have been informed several times that the payment was made on time and have yet to reconcile the internal issue instead I have been charged late fees and penalties and they will not accept an XXXX amount unless I pay XXXX again because they credited the XXXX payment to XXXX. They are demanding {$3200.00}. 
I have tried to work with PRMG and all efforts have been in vain, including providing bank statements, ACH trace numbers, account numbers, as weell as direct contact with the previous servicing department who informed them of the internal errors. This has already negatively effected my credit, and peace of mind. I have been treated as if I am irresponsible and guilty of defaulting on agreements to pay, which is an insult to me as a XXXX, XXXX Veteran, my integrity is my most sacred possession. Please advise me of the next step in this process.
To Whom it may concern, This is a debt from a credit card from XXXX XXXX Nevada for {$2700.00}. This debt is in collection with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX. On XX/XX/XXXX a Judgment was place for XXXX XXXX. 
I was notify on XX/XX/XXXX to attend court on XX/XX/XXXX The following information was provided by XXXX XXXX employee by phone number XXXX to me on XX/XX/XXXX and another employee by phone number XXXX on XX/XX/XXXX, for dates and after asking XXXX about statue of limitation XX/XX/XXXX she refuse to talk further. 
This credit card was open XX/XX/XXXX and was last paid on XX/XX/XXXX and went to collections XX/XX/XXXX. XXXX XXXX file suit and acquire a Judgments after breaking law against me on XX/XX/XXXX. 
The statue of limitations on this credit card debt has expired on XX/XX/XXXX. Effective on this date the debt is time-barred and debt collectors can no longer sue debtors over the unpaid debt. XXXX XXXX violated the federal Fair Debt Collection Practices Act ( FDCPA ) and the Utah Fair Debt Collection Practices Act by seeking a Judgments on XX/XX/XXXX and XXXX XXXX willfully failed by not adhering to the Utah Fair Debt Collection Practices Act 12-1-8 Designating and limiting activities as to assignments by failing to follow 12-1-8 at the direction of the assignor bring suit as assignee, provided however, that all accounts shall be within the statute of limitations as provided by law. 
Now 2 years later on this day to continue to seek payment for a expired statue of limitation credit card and after breaking laws to get a judgment and still after breaking the law by using this judgment to which should have never gotten. 
Sincerely,
My Complaint is against Synchrony Financial I believe strongly that Synchrony Financial is falsifying my XXXX Accounts with both XXXX XXXX & QVC regarding Late Fees and interest charges.It appears that Synchrony is also misleading both myself and CFPB when it comes to refunding the Late Fees & Interest Fees.This months Bill reflected XXXX Credits in the amount of {$70.00} for Late Fees than turned around and reapplied another Late fee XXXX the Minimum Payment along with the {$70.00} that was suppose 2 be credited Back so the way I see it Synchrony never went into their system 2 remove the Late Fees which now stand @ {$140.00} .Now for the past 2 months I have sent 2 Dispute Forms 2 Synchrony disputing their fraud and they are still doing the same Fraudulent act.
sent in payment to nationstar mortgage of XXXX for XX/XX/XXXX and they said it was not recieved contacted XXXX money order XXXX money order number XXXX I informed nationstar of all this info and they do n't even what to bother to look into it, they wish for me to fax a copy of the money order so I will fax them a copy of check that was cashed on XX/XX/XXXX even though I gave them all this information, So I will pay my XX/XX/XXXX payment again so as not to ruin my credit, from what i got from them is they made a mistake m and I have to prove I sent a check to them because if not I will still owe!
In XX/XX/2018 I discovered that XXXX had reported a hard inquiry on my credit report with Equifax. Eventually XXXX agreed to remove it " see letter attached " Equifax is telling me they never received any removal request from XXXX on XX/XX/2018 as XXXX   indicated, please see attached Equifax is not willing to contact XXXX even though I provided them with the confirmation number. 
I was in the process of buying a home and this hard inquiry effected my score and I tried everything with Equifax to end up with no resolution.
Please reference the letter I am attaching. I sent this investigation request to Equifax and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.
Attempting to have PMI wiped from my Wells Fargo mortgage loan number XXXX. Need an appraisal to determine if my loan is 80/20 LTV. Had a loan with wells for 14 months, all on time payments. 

Ordered our first appraisal on XX/XX/XXXX ( attached ). First appraisal came in at $ XXXX. I need $ XXXX for 80/20 LTV. They used 1 beds as comparable properties, when in reality my property is a 2 bed. Submitted a value reconsideration form for a second appraisal ( attached ). This new appraisal came in at the same value. 

This new appraisal contains factual errors and is a misrepresentation of closed real estate listings that are either cancelled or not closed properties. I will be filing a formal complaint against appraisers license, and will be contacting Wells Fargo for a refund on this appraisal and obtaining a new appraisal. XXXX XXXX has failed to deliver an accurate 2 bed / 1 bath appraisal on two opportunities. 

On the value reconsideration, the appraiser used two new comparable properties that never sold. One is a cancelled listing, the other is under contract. Its impossible to determine market value from two properties that have never closed. This is either a blatant error or a clear sign of incompetence. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 1 bed condo, that was on the market for 301 days, and never closed. The appraiser has this listed as " active '' when in fact it is a " cancelled '' listing. MLS sheet attached. This clearly can not be a comparable property for the sales comparison approach, as it never sold, and is not an active listing. Also, its a 1 bed property, without parking. The subject property is a 2 bed property with parking. 

XXXX XXXX XXXX XXXX ( MLS XXXX ) 2 bed condo, that is currently under contract. Its listed at $ XXXX. What happens if it sells for $ XXXX over the list price? What happens if it sells for $ XXXX? We can not assume this as a comparable property or use it to determine market value as it has not closed. MLS sheet attached. 

There are plenty of closed comparable properties in the area that the appraiser could use, which would easily get this property in the $ XXXX range it needs for 80/20 LTV ( actual comparable properties that have closed, that are 2 bed / 1 bath condos with parking ). In my value reconsideration form ( attached ), four of these properties are suggested. The appraiser chose not to use any of these properties and instead chose cancelled and under contract listings. 

See attached docs, and let me know how you plan to fix this, or when I can expect another adjustment and an accurate appraisal. 

Waiting for a third appraisal, almost 30 days later, still no response from Wells Fargo. Just got off the phone, they said they will mail me a letter in 14 business days. Making this process of an appraisal turn around take 45 business days, during which, I'm paying {$200.00} in PMI monthly.
In XX/XX/XXXX I had several unauthorized charges made to my account- I worked closely with Citi Bank but finally right before XXXX I was told that I would NOT be compensated for the unauthorized charges which were a little over 1,700 - their reasoning was that I was honest and said I never lost my card and since it was a chip card and they say it was swiped they say I am lying that I made the charges- I have requested several times since then - most recently during the phone call during my last complaint for proof that they validated the charges using camera footage or by comparing the receipts ( in XX/XX/XXXX they requested a copy of my DL to compare and it was sent immediately ) during this most recent conversation I was told that they did not have to tell me if they validated the charges- which I know is not correct - I am asking for assistance- I am not trying to get out of the money I spent just get assistance with the money that was not authorized
Experian uses XXXX and it discriminates against Veterans with a VA loan. I have paid additional principal since the loan inception and have never been late or missed a payment, yet my " score negative '' items list my real estate balance is " too high compared to the original loan balance ''. In my mind this method discriminates against Veterans using the VA 100 % loan benefit by reducing the credit score which increases costs on just about everything theses days e.g. insurance on cars and homes.
LOAN TO LEARN ACCOUNT IS NOW IN COLLECTION WITH XXXX XXXX IN XXXX VA. I CURRENTLY HAVE A PAYMENT PLAN WITH THEM, AND HAVE BEEN PAYING ON TIME MONTHLY. SINCE THE LOAN IS NOW IN COLLECTIONS, AND IS NO LONGER WITH LOAN TO LEARN, THIS INFORMATION SHOULD BE REMOVED FROM MY CREDIT REPORT. XXXX XXXX SHOULD BE REPORTING MY PAYMENTS SINCE MY ACCOUNT IS NOW WITH THEM.
I never ask for a credit care for sear 's now there are 3 other XXXX that live here in Wisconsin or someone was trying to get credit in my name can you please remove this from my credit please
I am one month late on my car loan and the company is harassing my mother, father in a different state and even had the audacity to call a XXXX. This is illegal.
The credit bureau 's continue to report a repossession on my credit after I have disputed it several times.. I continued to let them know the debt does not belong to me. This has been disputed every month since of XX/XX/2018and lastly disputed on XX/XX/2018 ... Also the continue to report wring names and addresses I've never lived at. I've sent in numerous of copies of my drivers license and a copy of my social security card along with copies of my bills to verify my address.
In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX
I went to XXXX and told them Midland funding debt from XXXX, was not my debt. I got a letter that said they placed a hold on my account, and then they verified my social security number and Driver 's License, and re-imputed this information into their computer. Then XXXX XXXX XXXX, bank attendant told me it was not me, so it was cleared. Levy department said they would take care of it because it was not me. Then we get a new judgment from court allowing them to go after my joint account with XXXX XXXX. I believe they gave this information to Midland Funding which is a violation of my privacy, especially since they told me it was not my debt.
This complaint refers to a unauthorized hard inquiry upon my credit report by   XXXX   XXXX   XXXX    XXXX   XXXX ,  XXXX  ( "  XXXX  '' ). On or around  XXXX   XXXX ,  2017    XXXX    initiated an unauthorized inquiry upon my Equifax credit report. I did not authorize  XXXX  to take such action so I am demanding that this inquiry immediately be revoked and recanted as well as for  XXXX  to permanently destroy all the personal information is received during the unauthorized inquiry upon my credit report. Additionally, I am requesting that  XXXX  provide me with all documentation that caused them to inquire upon my credit report. Finally, should this pertain to a debt, I hereby dispute the debt and have no knowledge of any debt with  XXXX  and request that  XXXX  cease and desist all collection attempts and contact with me for collection purposes. Finally, please provide verification of any alleged debt and do not access any other consumer reports or credit reports of mine.
I Have contacted NationStar Home Mortgage XXXX XXXX XXXX Mortgage ( NMLS # XXXX ) at least 7 times over the past 6 months to request 1098 interest info for 2016. I requested copied of these docs over and over. They acknowledge the request but nothing is ever sent. My Address is verified and is correct. Escalated complaint to manager, XXXX, XXXX, who apologized profusely for the the situation. I left her two more messages. My Calls were never returned and nothing was ever sent.
Equitable Acceptance called on XX/XX/XXXXXXXX to provide assistance in reconciliation for my XXXX XXXX  charging me a fee ; however, I 've been paying XXXX dollars on the XXXX of every month since the starting date XXXXXXXX. The document indicated it can be done for free but did n't provide information as to who the lender who be or new finance company. After speaking with XXXX they said the services are free and Equitable Acceptance is charging me a total of XXXX for the service.Also, I 've been in school the entire time ; therefore, my loans are in deferment but yet Equitable Acceptance continue to withdraw money from my account. Equitable Acceptance requested my XXXX card information over the phone failed to provide proper paper work.
The signature in the copy documents is not my signature.
I applied for the Delta American Express card online. The initial offer of XXXX  bonus Miles was presented to me at first. After closing the window a new counter offer of XXXX was offered and at that point I have decided to apply. To date only XXXX miles or deposited to my delta account. After serval attempts to get the rest of miles deposited I have decided to involve the CFPB. I ask that you help me to get there extra bonus XXXX miles  deposited into my Delta account. American Express case number is XXXX.
XXXX XXXX is reporting a remark on my Transunion, XXXX, and XXXX reports that is heavily impacting my score. 
The reports comment states between XX/XX/2018 and XX/XX/2018 the following remark was added to my account " Affected by natural disaster " I am requesting that the following information be removed as it has significantly dropped my credit report over a 100 points and actually does not even apply to me. I was not affected by any disaster and I have not been able to get help from the bureaus directly. 

Please contact me me directly at XXXX XXXX XXXX Thank you
Had an account with XXXX which was charged off during a financially down period shortly after my wife XXXX XXXX to our XXXX child and got behind. When attempted to get back ontrack was notified that the account was sold to XXXX XXXX XXXX. While attempting to get on top of my credit I contacted XXXX XXXX who referred me to a 4th party now XXXX XXXX with acct # XXXX XXXX who then acused me when calling them of running and hiding from this debt and that they would mark as a refusal when I asked for a commonly requested settlement for delete off my credit record. The fact that I contacted them to make payment assures I am not running and hiding from this debt and after asking for supervisor was treated even more rudely by him. Telling me he would contact his client who is not even the original creditor that I was refusing to pay since I was not paying until I had assurance of deletion before agreeing to settlement.