WillisBack/dataset-financial-user-claim huggingface dataset:
I continue to receive calls from an automated recording from Cooper, Hofffman, Klein and Associates threatening to take an illegal action. I have contacted the number and asked that they please do not contact me at work as personal phone calls are not permitted. The individual that answered XXXX refused to listen to my request and would not transfer me to anyone else for assistance. She said that she had every right to contact me and that she was going to call " XXXX County Police Dept '' and file charges and that I should expect an officer to show up at my place of employment to arrest me. She refused to give me her fax number so that I could send a cease and desist letter to this organization. She then hung up on me. I called back later that afternoon and another person provided the fax number to me. I faxed the cease and desist letter to XXXX on XXXX XXXX, 2015 @ XXXX. Fax confirmation number is XXXX. I have sense received calls from this same organization on a daily basis with an automated recording being left on my work voice mail. I can not get them to stop contacting me and need assistance. Please advise.
Chapter XXXX bankruptcy is invalidly reporting on credit bureaus have contact them to get it removed and all three major credit bureaus refuse to remove it. Along with bankruptcy the following accounts need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not my accounts they are on my report as a result from ID Theft ; credit agencies also have copy of police report and ID Theft Report # : XXXX.
Ocwen has been the hardest to work with I am XXXX service member who went though a divorce and been XXXX 4 times I have gave paper work to Ocwen 5 years now so I finally called witch never could speaks to anyone right and asked for a credit for give ness witch they gave me XXXX letter in XX/XX/XXXX and the next day they said disregard the letters cause I 'm selling the house out right. 
How can you get anything done if they keep playing games all the time. I have lost Freinds soldiers leaders and come back to Michigan to deal with a company that should n't be around
BB & T retroactively placed force insurance on my account, when they asked for insurance information I provided it, my insurance company showed a new effective date, BB & T said since the date did not cover the past 3 months they would retroactively charge force insurance, I told them I did had coverage during that period and requested they contact my agent. The call center told me it was my responsibility and they could not make outbound calls to resolve the issue, it was my problem ... It took me over an hour on hold to speak with a manager, I gave up and ate the cost since it was clear they were not looking to resolve the issue for me.
Residential construction loan. Bank and title company failed to disclose XXXX requirements that would have influenced decision to enter into construction loan agreement with bank. Bank failed to properly administer loan during draw and final funding processes. Title company failed to pay property taxes with funds collected directly from borrower. 
Specific issues : The day before closing the bank notified me that they needed certified funds of {$110000.00} from me at closing to complete the construction agreement. The funds were to be held in a " loans in process account '' and given back to me through the construction draw process. This was never disclosed prior to scheduled closing. I was stuck at that point. I paid the funds and never received any accounting of the funds being held nor was I paid interest on the funds that were held for months for disbursement. In order to recover the funds I was required to submit notarized affidavits to the bank certifying that all work was completed before it actually was completed. Final draw funding was refused by the bank until I complied with a different set of requirements, separate from prior draw requirements. After final funding and modification to fixed rate loan, title co. Collected 2016 taxes not yet due. They failed to pay the taxes when they became due and taxes remain delinquent and unpaid.
I am struggling to make payments on my two loans who are being handled by XXXX. They are going into collections, working 1-3 days a week. Every one I try to talk to in customer service is incredibly rude and short with me. Not to mention I've been charged unreal amounts in interest. Today XXXX-18 I attempted to make a XXXX payment with a prepaid debit card because I do not have a checking account. Where I was told they do not accept these type of cards with their system. Now, I have to get a money order to mail to them in the mail. Which is only going to add more interest to my account in the meantime. I'm trying to make an effort to make payments, but no one wants to work with me or offer me other suggestions. I am also in the process of getting these loans consolidated through this same company.
I called on XX/XX/2018 at XXXX XXXX  eastern time and spoke with two US representatives who did not budge on removing fraudulent inquires placed on my credit report. There were two glitches that occurred with Transunion as well, where it caused my inquiries to be removed and then placed back on. I'm extremely frustrated with this experience, because they were extremely unprofessional and this has caused my credit score to drop tremendously. XXXX and XXXX had no problem deleting every inquiry off my report with no issue what so ever.
I just received a letter from Fifth Third regarding my credit card account. I am behind on my payments, and they just sent me a letter with a foreclosure threat. Here is the language : " Because you have not brought your account current, there are a number of options we may take, in accordance with your agreement with Fifth Third Bank. For example, we may revoke your Fifth Third credit cards, or if you have Fifth Third auto or mortgage loans, we may also pursue repossession of your car or foreclosure on your house. '' I do n't have any Fifth Third loans beside my credit card, but this intimidation tactic seems legally suspect to me.
On or aboutXX/XX/XXXX I purchased a vehicle from XXXX XXXX. In XX/XX/XXXX the loan was transferred to XXXX XXXX XXXX. I filed Chapter XXXX in XX/XX/XXXX. When I dismissed the Chapter XXXX in XX/XX/XXXX, I contacted XXXX to request the payoff. After more than 15 telephone calls, no one could find the record or tell me the balance I was told it was charged off during the Chapter XXXX. XX/XX/XXXX, my vehicle was repossessed from my home. I was directed to XXXX XXXX XXXX. No one at XXXX speaks English ; it is a call center in XXXX. However, I went through the process, paid off the balance and all associated repo fees in the amount of {$5800.00} ( pay off balance of : {$4800.00} ; repo fee : {$980.00} ; and Redemption fee : {$140.00} ). I was told I would receive the Certificate of Title within 15 days.

I did not receive the certificate of title in 15 days. I then contacted XXXX, who would not talk to me but rather directed me to contact XXXX XXXX  at XXXX. I called and tried to talk to someone about my title despite the language barriers and I was told it was on its way.

XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX ( I have no idea who this is? ) on XXXX letterhead that indicated : They had contacted the CA DMV to remove their lien interest and I should receive the title within 15-20 business days. In addition they included an unsigned State of California Certificate of title listing XXXX At XXXX XXXX as the legal owner of my vehicle. I took the Certificate of Title to the DMV and was told that the certificate was an unsigned, illegal document. I placed 6 separate calls to XXXX, told them the document was not legal and asked for a legal replacement. Out of frustration, I contacted XXXX and told them I had a fraudulent document. They informed me to make a formal, written request to : XXXX XXXX XXXX XXXX GA XXXX. That request was faxed on XX/XX/XXXX to : XXXX. I still received no response or legal Certificate of Title. On XX/XX/XXXX, I contacted XXXX again. I was asked to email my request to : XXXX. That email was sent on XX/XX/XXXX. To date I have received no response or no legal Certificate of Title.

I get the run around at every turn and this company ( ies ) : XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are conducting fraudulent activities and will not send me my legal Certificate of Title.
EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.
I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.
XX/XX/XXXX I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. XX/XX/2015 I noticed the check was cashed against my account. XX/XX/2015 My landlord called me and stated she still had not received the check. I then went to chase bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with chase bank XX/XX/2015 stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim XX/XX/2015. I called Chase claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. chase then told me they got XXXX XXXX XXXX to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called chase and gave them the police report information. I was then told XX/XX/2015 that chase sent XXXX XXXX XXXX a demand letter. XX/XX/2015 chase did a follow up with XXXX XXXX XXXX and XXXX XXXX XXXX stated an expected date of completion would be XX/XX/2015 XX/XX/2015 chase informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called XXXX XXXX XXXX and all they would tell me is that they denied the claim with chase. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of XXXX on me after I gave birth to my son.
Credit inquires were removed then reinserted. Customer service reps refused to rectify the call. I have been hung up on, transferred to the wrong dept and refused by a Representative to speak with a supervisor. Unacceptable!
XXXX XXXX sends consumers information via the media to make consumers believe that they can repair credit issues. I personally contacted them to start credit repair and found out that the whole company is fraudulent. What was slated for repair back in XX/XX/XXXX did not even get resolved. Letters sent to creditors were never fixed as promised and the same list plus more items are published as of today in the year XX/XX/XXXX!
The ba nk ( wells Fargo ) was late on reporting my income and sending   XXXX   reports to   XXXX   XXXX   so I could n't get a cash advance.
American Express credit card account show unknown charges and american express pulled copy of my credit report to make a unfair decision while i was still in dispute. They would not honor my rights for being a victom of identity theft and fraud. They made a decision on my acct before taking the dispute investigation is still ongoing instead they violated my rights by closing my account do to fraudulent charges that i did not give permission and or dont recognize on my acct. My social security card and passport has been lost or stolen
I made multiple purchases on the same day because my bank 's overdraft policy states that the maximum amount I can be charged in one day is {$100.00}, or three overdraft fees of {$34.00} each. However, I was charged a total of eight overdraft fees amounting to {$270.00}. 

I called the bank, and they explained that different types of merchants ( retail, restaurants, etc. ) process their payments in " batches. '' This apparently means the merchant does not submit their request for payment from the financial institution immediately, but at some later date. The bank explained that the overdraft fee is based on when the payment is presented to the bank by the merchant, and not when the card is swiped or authorized. That was my understanding of the bank 's explanation. 

I believe, respectfully, that this is a deceptive marketing/trade practice. Had I been aware I would be subject to eight potential overdraft charges I dead of the daily cap of three, I would not have made multiple transactions on the same day. 

Furthermore, charges from various types of retailers ( gasoline, retail, restaurant ) were all processed and posted on the same day ( XX/XX/XXXX ), but various other charges from the same types of retailers were not processed or posted until XX/XX/XXXX. Attached, please find a list of such charges from my account.
Has there been any update to complaint XXXX that was filed back in XX/XX/XXXX. It still shows that it is open and the company has not responded. 

Thanks
I mailed out to Experian to add my Release of Lien via Document number XXXX  by the State Board of Equalization delivered on XX/XX/XXXX certified mail, Ive yet to receive a notice that its being attended. The XXXX. is still attempting to collect a debt, and filed multiple liens of the same debt against me. The lien was tendered in XX/XX/XXXX.
I received a collection notice from XXXX XXXX XXXX in which I disputed with the creditor on XXXX XXXX, 2016. I provided documentation from the original creditor advising that the amount and information provided by the original creditor was fabricated. To this day, I never received a response from the collection agency validating my dispute. Therefore, the Texas XXXX XXXX XXXX XXXX which requires the collector to validate the debt within 30 days and if the creditor does not respond within 30 days, the debt is considered NOT VALID and must be removed from ALL credit files and further collection action MUST cease. 

During the dispute process-the collection agency continued to collect on the account by calling me once and reporting the account to the Equifax. In so doing, they not only violated the FCRA, FDCPA, they also violated the Texas XXXX XXXX regarding collections and credit reporting. 

I immediately disputed the account with Equifax , providing them with the dispute to the collection agency and the documentation that was sent. I also informed them that the collection agency has NOT validated the debt as required under Federal and State Statutes. Equifax processed the dispute stating that they verified the debt is being reported correctly and that they verified that it belonged to me. Unfortunately, this is not possible if the collection agency was unable to validate the debt with me within the 30 day required time under the law. Equifax has continued to aid this collection agency in breaking the law and has now also violated my rights as a consumer under the Texas XXXX XXXX by continuing to report a debt that was not validated under Federal and State law. This debt is fictitious and Equifax is just as responsible for continuing to be in the violations of the law as the collection agency by keeping it on my file. 

A separate complaint against the collection agency has been filed with your office.
I have two saving accounts with TD Bank and Checking Account and on XX/XX/2018 TD bank charge with {$5.00} fee is this legal with all the account with TD Banks this equal more then {$300.00} is this to charge me this fee Please investigate this bank fee and explain in write why I was charge {$5.00} with three accounts and the total balance is over {$300.00} and all misconduct and mismanagement found all individuals involved be convited according to United States Federal Regulation
received numerous calls from Midwest Recovery Systems. Spoke to them today at noon on XX/XX/XXXX and they are stating that I have a debt for over {$3000.00} for XXXX XXXX from XX/XX/XXXX. We have always used XXXX XXXX ( 15+ years ) and it is under my wife 's name and not mine. They say it is affecting my credit report and I need to pay immediately. After reading other testimonials online, it became apparent that this company has been scamming people for some time by making up fake debt and reporting to credit agencies. They called me from XXXX and provided a website of XXXX and told me to update my address online. They say I made a payment of {$50.00} on XX/XX/XXXX, which I definitely did not!
On XXXX XXXX I applied for a payday loan from XXXX XXXX XXXX XXXX d/b/a XXXX XXXX now called Big Picture Loan. My loan amount was XXXX. I expected to pay a finance fee and maybe an initiation fee however after 3 payments of XXXX all deducted from my XXXX checking account I called to payoff my loan. I was informed to payoff my account on XXXX/XXXX/16 I would need to pay XXXX??? On a XXXX loan? The interest on this loan appears to be 200 %. That can not be legal on the United States. I asked the representative where she was and she stated the XXXX. Any assistance with this matter would be greatly appreciated. I only borrowed XXXX
I have disputed XXXX paid medical accounts listed with Meade and Associates. I requested dates of service, as well as, to whom the services were rendered and never received the information. I 'm attaching the letter I received from Meade, in addition to my XXXX Credit reports showing the dispute and results. Although I paid these, I did so because they told me the debts belonged to me. Upon further review, they do not. Basically, XXXX told me to take it up with the collection agency, so I did and the debts are listed as verified every time.
In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.
AMCOL Systems Inc. are trying to collect a debt that is not mine. I notified them XXXX XXXX, 2017 of this error and again on XXXX XXXX, 2017. Both times were in writing. The debt belongs to my son who is a XXXX. I am the XXXX. AMCOL has posted this to my credit reporting agencies which caused my credit score to decline. As of this date, XXXX XXXX, 2017 AMCOL has not communicated with me at all. They have not removed this from my credit reports. I did make a comment to my credit reports that these are not my bills. So far my score has still not changed. Thank you for your assistance to this matter.
XXXX called XX/XX/19at XXXX XXXX. began questioning me about why I got behind on payments on a dept to XXXX XXXX XXXX.   She never asked any verification questions to find out if I was the correct person. My number has been on the do not call list for over 10 years. How can this company be allowed to fish the internet for a phone number for another person with my same first and last name, and call the number if it is no the donotcall list? What is the purpose of the donotcall list if it doesn't prevent debt collectors from hassling me because I have the same name as someone else? XXXX help those named XXXX XXXX. Please find a way to stop these companies from calling my number just because they can find it online and I have the same name as a debtor. Company is Atlantic Credit and Finance, XXXX XXXX XXXX XXXX  VA XXXX
Last year I had a complain with XXXX on XX/XX/XXXX. ( I have the case number and a copy of the letter ). They sent a letter to you and I received it, where they explained what happened with my payments, a letter with explanations, and they did the corrections. This month XXXX is been calling me again asking for the payments of XXXX and XX/XX/XXXX, I called the agency XXXX XXXX XXXX and they have prove and copies of the checks that they sent to the bank, they said that they sent the check of XXXX or XXXX but they did n't adjust that payment, they called the bank, and they still waiting for a response. I called the bank and nobody fix the problem, I ask many time for a bill of both credit card and only received XXXX of them. Once again I have the situation. XXXX XXXX