WillisBack/dataset-financial-user-claim huggingface dataset:
The selection above does not match my complaint exactly. They contacted me during the inappropriate hours. 

Contacted me at : XXXX on XXXX/XXXX/2016 XXXX on XXXX/XXXX/2016 In spite of the Fair Debt Collection Practices Act and the Rosenthal Act in California, where I live, receive calls during inappropriate hours. These calls can be coumented on my XXXX account. The calls were from XXXX.
Experian mailed me a credit report dated XX/XX/XXXX. I went online to dispute a charge and noticed 2 collection accounts with XXXX XXXX from XXXX that had been removed 4+ years ago reappear or reinserted on my credit report. The amounts are as follows : {$48.00} and {$37.00} dollars. I have disputed for removal and I now am filing a formal compliant for I was not notified via mail nor via email that adverse items would be reinserted on my credit report from 4+ years ago. Hence this item reports to fall off my report XX/XX/XXXX. This now bring my score down lower. I ask that you please review my case and have Experian remove negative collections from my report only to reinsert years later without notifying consumer.
On XXXX XXXX, XXXX I contacted XXXX XXXX, which served as the provider for the Accidental Death and Dismemberment Insurance carrier paid through my Ditech Financial, LLC mortgage regarding the cancellation of my policy. The representative at XXXX XXXX cancelled my policy, making the effective date of cancellation XXXX XXXX, XXXX. However, I have continued to be charged by Ditech Financial, LLC each month the {$24.00} premium for this policy, despite the policy being cancelled. I contacted Ditech in XXXX and XXXX of XXXX and I was told both times that the policy had been cancelled and I will no longer be charged, however as of my most recent statement I am still being billed the XXXX and have not received any credit or refund for my excess payments. 
I also have attempted to obtain a loan modification through Ditech. On XXXX XXXX, XXXX I completed a loan modification request form and attempted to submit it electronically through the link provided on my customer account portal online. I received an error that the link was not available. I received the same error message daily for the next week. I contacted Ditech directly on XXXX XXXX, XXXX and I was advised to submit the modification request through a link that was provided via email. I submitted the request and was advised that I would be contacted within XXXX - 10 business days regarding my request. I have not received any follow-up regarding my request to this date. When I contacted Ditech on XXXX XXXX, XXXX I was advised to allow another XXXX - 10 business days as they were working on a backlog. I still have not received a response to this date.
I have disputed my collections accounts with Equifax and XXXX. They have not properly verified these accounts according to law. The accounts are collections accounts from creditors that I have no knowledge of. And the medical collections are HIPPA vilations for I did not sign for a third party to retrieve any information from me. On the receivable recovery they had a different doctor on the reoprt and switched to another doctor. I had never seen these doctors. I feel violated to see how easily my personal and medical information can be sold at a dime. I have also disputed inquiries that do not belong to me and verified my identity just to have a fraud alert placed on my account and say, call the person who placed the inquiry. When I call for the inquiry to be removed then the creditor say call the credit bureau. I get the run around everytime. I get alot of misleading information. When I ask for a supervisor, they can never come to the phone.
XXXX XXXX, GC Services Limited Partnership, charged my card in the amount of {$650.00}. This was a debt associated XXXX. I had given XXXX my card number in XX/XX/XXXX. I never provided this entity with permission to charge my card, was never sent information to dispute the debt and without consent they used a card that XXXX had on file that was expired to charge my card. This behavior resulted in me not being able to pay bills and ended my ability to stay with this financial institution. I tried calling them and was hung up on. They reached beyond the scope of the Fair Debt Collections Practices and made up arbitrary rules. They have refused to respond to my inquires. I was not allowed proper rights in this matter.
Our company has been trying to get a short sale reviewed in its entirety and approved from back in XX/XX/XXXX. The primary homeowner and mortgagor passed away and left his house to his wife who still lives in the house. The Servicer, Ocwen, received all the short sale documents including the offer but refused to keep moving the process along until the wife of the deceased mortgagor went through a probate in order to sign off on any paperwork regarding the loan and the short sale. The wife of the homeowner has no money and the deceased mortgagor was their primary source of income so she struggled to figure out who can pay for the Probate process which would cost anywhere from {$2000.00} to {$3000.00}. The Buyer was reluctant to pay for the Probate at first but we were informed by Ocwen that the foreclosure would be on a standstill since we are still active in the Short Sale process. The buyer agreed to pay for the probate and the Probate attorney has been working with the Homeowner all this time to get documents processed to the Probate court. The homeowner received a foreclosure notice last week that the house is now being foreclosed as ordered by Ocwen on XX/XX/XXXX.  The probate is VERY near to it's completion. I spoke to the Escalation office that we have been working with on this file and requested that the foreclosure date be postponed so we can continue the short sale and get it closed. The escalation rep explained that without the complete set of paperwork ( a revised Settlement statement which we can easily send, and the probate documents ) they wouldn't be able to postpone the Sale! So Ocwen required the homeowner to go through probate to sign documents despite the deed being in her name ( she is not on the loan ) and now they are not allowing the foreclosure date to be postponed because of their need was not met. I explained to the Escalation rep that I would send her all that is needed by next week but we would like to see if CFPB can assist in this so the postponement can be ensured.
I applied for a refinance with this bank based on Radio commercials calling for a XXXX refinance. The issue I have was that theyrequire you to fill out a mortgage application and require you to pull your credit, PRIOR to requiring you to pay the nonrefundable XXXX fee. I contacted XXXX XXXX who put me in touch with her Manager XXXX XXXX XXXX XXXX regarding themain issue is the fact that they require you to pull your credit prior to disclosing the fee. I would have never have givenpermission to pull my credit if I had know the fee was non refundable and up front. Credit Inquiries affect credit worthiness andcould affect me being able to get a mortgage at a competitor. I asked him to write a letter to send to the credit bureaus to removethis inquiry he refused. He also refused to do anything in regards to either making the fee payable once the loan is all approved orroll it into the closing cost. This structure almost forces a customers hand to go with them since they have already dinged creditand forced them to pay the XXXX. I have an issue with the fact that they were just no helpful and they just chalked it up to this howour system works. They should have to disclose the fee prior to filling out the application NOT the very last screen since theyhave already pulled credit.
On XX/XX/XXXX I did payment on Discover Credit card. When I asked for the balance on that date. They are not providing the information and Said : " There is no way that they can provide the information ''. 

XX/XX/XXXX called to Discover customer service connected me to the Manager Said : " There is no way that they can provide the information '' next connected me to higher Manager and gave me the same  response. 

As a customer, i do have rights to know the transactions, balances. They are not giving information that I do n't have or can see through the application ( Web and Mobile ).
I opened a consumer checking account with Bank of America and they decided to close the account the same day. They offered no explanation as to why they closed it. It 's very frustrating for me.
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  Code 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.
I paid off the Ray Klein on my credit report. I have contacted them many times asking for physical proof of satisfaction as well it to be reported as paid on my credit report. It has been months and they are saying they will do whatever i ask but refuse to give a timeline. it has been almost two months with no action.
Several months ago I began inquiring into my credit as I keep hearing that we should make sure that no fraud is going on with your information. When I saw my report I did n't see any fraud but I did see a lot of information that was incorrect. I began the process of disputing the accounts with all XXXX national credit bureaus to have the inaccurate information corrected. For the most part it went smoothly. XXXX, XXXX XXXX, and Equifax managed to delete or correct all the accounts that I disputed on their respective databases. The problem began when I re-ran a full report to see what my report looked like after all the accounts were corrected. 

Although Equifax corrected or deleted all the accounts I had disputed, they added an additional public record on my report for {$38000.00}. Because I had already disputed over {>= $1,000,000} in erroneous public record debt from my report, and Equifax had already investigated and corrected them all, I assumed this was just an oversight on their part. I decided to dispute the account from my report thinking it would be corrected as I do not owe the debt. Well Equifax came back stating that the record was verified. When I received their results XX/XX/XXXX I decided to look up my personal records to figure out when I filed Bankruptcy as my memory is n't exactly what it used to be and I was sure that I filed any and all tax liens on my Bankruptcy. Sure enough my Bankruptcy was both filed and discharged in 2011 which was several years after the tax lien was filed. Because I had my records in order I decided to have Equifax re-investigate this account as it is obviously not owed. Once again Equifax gave me results on XXXX XXXX stating this was verified. 

At this point I am getting increasingly frustrated at Equifax as they are claiming to verify information that is impossible to verify. There is no debt owed as all my debt including tax liens from before 2011 were discharged trough my Bankruptcy. Equifax is either not investigating properly or not investigating at all. I would like you to look into this for me as I am XXXX and have little taste for nor the inclination for a lengthy and expensive litigation. However if it is what I must do to clear my good name I will be forced to do so. I am just hoping that through your investigation Equifax will see the error of their ways and will correct their misrepresentation of my credit and name.
My wife and I opened an account with Chase Card Services in XX/XX/XXXX. We have used the card continuously for 25 plus years. We enjoyed a variable rate of 10.49 percent which change whenever the prime interest rate goes up. On XX/XX/XXXX we were notified that the rate would be changed to15.49 percent because " We are changing the Annual Percentage Rates ( APRs ) as described below because your APRs are below the lowest APRs we currently offer on similar accounts. '' We have until XX/XX/XXXX to accept or reject their mandate. 

We have an excellent credit rating ( XXXX ) and have never been late. We are now retired on a fixed income and I am approaching XXXX years old. This action by Chase seems illegal since we agreed to one APR and now they are changing it unilaterally. My question is can they do this? Could this be an example of age discrimination?
I was approved for a {$950.00} loan with this company " Big Picture '' and was never told that they were charging 800 % interest. They have been debiting my bank account in the amount of XXXX of the loan value every 2 weeks, since taking out the loan. When I spoke with a representative of the company today, to pay the remaining principle of the account off, I was told that I had not paid any principle on the loan thusfar, only interest. " I have paid over {$1900.00} to date on this loan and have not paid any interest '', I said and the representative proceeded to tell me that I may not pay off the loan, without paying an additional {$350.00} servicing fee. So let me get the straight, I have paid almost XXXX dollars on a {$950.00} loan and am left with the full {$950.00} balance plus an additional {$350.00} fee to pay the loan off? That is the definition of a predatory loan. I would like help resolving this issue, as I would never have taken out this loan had I known these issues would exist. Please help!
I bank at XXXX Bank. My checking account was erroneously debited twice by my mobile phone company and when I realized the error, it was too late to stop the second charge so I was given a credit. In the meantime, because of the second charge ( which was {$510.00} ) my account went into overdraft and I was debited {$370.00} in fees. 

I called the bank on XXXX/XXXX/XXXX. I was told that the overage was n't my fault and that I would be credited the {$370.00} but that {$180.00} was still pending and I would have to call the next day for resolution. 

When I called on XXXX I spoke to a different associate and was told that the rest of the money could not be refunded. Both the associate and the manager at the Resolution Office told me that either had no way of knowing who I spoke to or what was promised to me. 

I countered with, " you are a financial institution, I find it difficult to believe that your associates do not note resolution attempts on customer accounts. '' I work for a financial institution and in fact I write policies and procedures for a living so I told the manager that I wanted to escalate it further or I would have to file with the CFPB for excessive fees and gouging. 

He put me on hold. After five minutes he came back and said that he had spoken to the first associate and that she acknowledged I would receive a full credit. Of course he lied when he said he could n't research the resolution issue. This is an unfair practice designed to deny customers of their rights while overcharging their customers with exorbitant fees. 

I should n't have to fight to receive fair treatment. XXXX XXXX XXXX Bank.
I applied for and was approved for the XXXX XXXX XXXX card on XX/XX/XXXX. The terms of my application said that I would receive a bonus of XXXX thank you points if I spent {$4000.00} in the first 3 months which I did. I never received my bonus and when I called XXXX to find out why they told me that the terms say I am not eligible for the bonus if I have opened or closed an account for the same product in the past 24 months. I checked my credit report and the last XXXX XXXX XXXX card that I had in the past was closed in XXXX of XXXX which makes it clear that 24 months had passed and I was eligible for the bonus. XXXX 's response was that since I had been an authorized user of my wife 's card in the past 24 months I was not eligible. I did not own that account, my social security number was never given when my wife made me an authorized user and nowhere in the terms and conditions of my application did it say anything about not being eligible for the bonus if you were an authorized user on somebody else 's card.
This letter is to lodge a formal complaint against both Bank of America and XXXX. Prior to transferring my mortgage account over to XXXX XXXX Bank of America committed numerous errors on my account. Despite XXXX letters addressed to the XXXX, XXXX to correct the matter remains unsolved. 
XXXX conducted has revealed evidence that Bank of America knowingly committed the act of fraud and deception when Bank of America paid my XX/XX/XXXX property taxes without any prior notification. 
Bank of America sole basis and claims of notification is a letter referencing what is now know to be a letter sent to me regarding my XX/XX/XXXX taxes not XX/XX/XXXX taxes as request. This egregious act of fraud and deceptive practices by Bank of America has caused me great emotional and financial stress as both Bank of America and XXXX financial continue to levy various fees, fines and penalties which has now impacted my account and credit rating. 
Based on the facts presented, it is my belief that Bank of America and XXXX are now in collusion to use this fraudulent act as an instrument to potentially foreclose on my property at XXXX, XXXX XXXX, Texas XXXX ( XXXX ). 
I have provided both Bank of America and XXXX all evidence. I am awaiting a response. Please investigate this matter and provide any guidance and you can. I can provide all documents as requested.
On my Transunion credit report inquires are reporting as duplicate. 
On XXXX/XXXX/2016 XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once. 
On XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX is reporting twice as an inquiry when I only applied once.
I have had a XXXX 's store credit card since XXXX. On XXXX, XXXX XXXX XXXX, I was shopping at the XXXX 's store located in XXXX XXXX, Illinois. When paying, the clerk asked me if I wanted to " upgrade '' my regular XXXX 's store card to the XXXX XXXX XXXX XXXX. I expressed concern that I had rewards accumulated under the XXXX XXXX XXXX XXXX and had also enrolled XXXX XXXX XXXX  and that I did n't want to lose those benefits. The associate assured me that when I received my new card, I could simply call in and have those rewards and program transferred. 

I received my card, called as instructed, but have not been able to get my XXXX Rewards transferred. This entitles me to free shipping and XXXX XXXX back in rewards on XXXX 's purchases. Resetting this, because it 's treated as a new account deprives me of the benefits that I have earned. 

I called again on XXXX, XXXX XXXX. I waiting on hold for more than an hour to speak with someone in the XXXX department. It was suggested by the customer service agent that they have someone call me back instead. They have never returned my call. 

I called today, XXXX, XXXX XXXX. I was given the same run around. I am still currently on hold waiting to speak to someone in XXXX. It was suggested that I simply close the new account and revert back to the regular XXXX 's store card. But that is not a solution because of the damage the additional credit inquiry did to my credit score. It also affects the Average Age of Account. XXXX 's needs to fix my rewards tier or figure out a way to make this right. At this point I feel like I have been defrauded by XXXX 's into signing up for an account I do n't need and deprives me of the benefits I have already earned.
I paid this debt over the phone back in XXXX. ACH did n't go through so she called back and did a Debit card payment for the full {$100.00}. Now I am receiving calls saying that this was never paid. I have provided proof and if this hits my credit I will sue this company.
XXXX XXXX, XXXXRef, # XXXX ( not sure if everyone uses this ref # ) Hi, My name is XXXX, I have a charge off on my credit report with equifax that is Not mine. XXXX XXXX XXXX recently put a charge off from a credit card on my credit history that is Not mine. XXXX XXXX XXXX agreed, that I have no responsibility for this card, never signed for this card, never gave permission for my credit to be associated with this card and that the charge off would be removed from my report immediately! It has n't happen. I cant thank you enough for helping! The charge off and non payment according to XXXX XXXX XXXX started in XX/XX/XXXX and was never associated with my credit, XXXX XXXX XXXX apologized for the inconvenience and would push for immediate removal ... its been 60 days. According to the cards history it was opened and in default in XX/XX/XXXX, I never signed for this, never gave permission for my credit to be used to obtain this card, never associated my credit with this card and all the sudden the charge off appeared on my credit report in XXXX, XXXX this negative credit report has cost me greatly! I had permission to sign on this card, ( for a short time, but never responsible for payment, never gave permission for my credit score to be associated with this, this was fraudulent to have me on this card. XXXX XXXX XXXX agreed, I am not responsible and this should not be on my credit history. What can I do? 

XXXX XXXX XXXX gave me a credit card in XX/XX/XXXX ( bc I had great credit, no charge off on my credit report ... ..but then all the sudden they decide to attach this?? ) Why would they give me a credit card if I had a credit card in my name with a XXXX balance ... bc it was not mine! ) Also, I have disputed another charge from XXXX XXXX XXXX, where I closed a credit card ( went into the Bank ... banker remembers, closed ( so I thought, paid completely off, waited one month to make sure everything was cleared ) Closed then moved. A automatic draft started back up with a company we had used in the past and the put it on a card they had on file ( XXXX XXXX XXXX card ) The card actually didnt close, we never received bill ) Until oneday I received a phone call that XXXX XXXX XXXX received a return to sender, Bill they had been sending out to me for payment. I immediately paid, they sent me a letter, but its still showing on my account as negative. Thank you for helping me with solving these matters, I have spent countless hours working on solving these issues! I have hope and really cant thank you enough, it was freeing just writing this note! 

I am getting Help!!! Thank you so very Must!!!