WillisBack/dataset-financial-user-claim huggingface dataset:
Contacted via txt message from XXXX, threatened with a warrant/civil procedure for a debt from a credit card. Called the number they provided, stated as their attorney, ( XXXX ) and was asked to make a XXXX payment of {$250.00} that day or face them submitting a warrant. Was asked to email a copy of my drivers lisence/state id to XXXX. Was suspicious about XXXX payment, was not offered other forms of payment when asked, and that it was a gmail account, and that they wanted a copy of my id. 

Called the collections agency i knew i had a debt with, and confirmed there was no civil procedure against me or a warrant pending, and made a payment of {$300.00} and set up a monthly payment plan with them ( XXXX ). 

I txted back the alledged attorney and said i paid the collections company, was not comfortable submitting a copy of my id or making a non-refundable XXXX payment, and told them to stop contacting me, gave them the # of ltd to confirm i made a payment/set up a payment plan. 

They responded as such- '' this is your warrant which i am going to send to the local police dept '' I replied that the local police only serve criminal warrants, not civil warrants and to stop contacting me or i would report them to the proper authorities. 

Which i decided needed to be done regardless of them replying back, they were threatening, only offering payment via non-refundable/traceable means, had a gmail account for a supposed attorney, etc, etc.
Im trying to link my TD BANK checking account to XXXX XXXX XXXX XXXX ( US ) and TD Bank is for some unexplainable reason NOT allowing it and when I call customer service they pretend they dont know what Im talking about Please make them comply
The FOSTER & GARBUS LLP / debt collector is pursuing payments even though the credit card in question was void in whole or in part due to identity thief and payments could not be collected. In addition, the debt collection has NOT provided validation of account and proof that it 's licensed to collect in New York State. The Debt collector created the false impression that they have a legal right to collect payments and that I have a legal obligation to pay off the credit card that has been again in whole and or in part voided due to the identity thief. 

The FOSTER & GARBUS LLP is impersonating as law firm, with has no legal right to conduct business in New York State, and continues to send me letters demanding payment for debts that I have no legal obligation to pay even after my two repeated attempts to ask for validation of the account but them refusing to provide it. 

I request under the Dodd-Frank Wall Street Reform and Consumer Protection Act, and under the authority that the CFPB has to take action against FOSTER & GARBUS LLP engaging in unfair, deceptive, or abusive acts or practices, or that otherwise violate federal consumer financial laws like the Truth in Lending Act to investigate FOSTER & GARBUS LLP / Debt Collector. 

Thank you Respectfully
I sent Equifax a copy of my police report reverifying the account was fraudulent and they removed it and the creditor sent me a letter in the mail confirming the deletion of the fraudulent account. But I recently checked my credit file and the account has been reinserted onto my credit file and is lowering my credit score affecting my chances of getting approved for credit.
I do n't understand why I have paid XXXX for a property that was foreclosed by XXXX XXXX and why the payments I made to XXXX and XXXX XXXX XXXX did n't count. I have made ALL of the payments on the XX/XX/XXXX truth in lending disclosure statement on a 7 % loan. I have made enough payments to XXXX to pay off a 15 year loan at 4.34 %. Now that we have paid XXXX for the property XXXX XXXX took they want me to not only pay for the original loan they want me to pay them my down payment again. 
I do n't know where this goes I paid {$270000.00} for my house in XXXX XXXX. 
{$65000.00} down payment. {$210000.00} @ 7 %. 
XXXX XXXX Refinanced $ XXXXXXXX6.5 %. 
XXXX XXXX paid {$5000.00} to escrow shortage. 
XXXX XXXX refinanced to XXXX and in XXXX it dropped to 5.875. % and a new {$260000.00} included a {$35000.00} line of credit. In all I paid {$79000.00} to XXXX mortgage {$49000.00} to XXXX, {$39000.00} to XXXX paid {$36000.00} to XXXX bank. {$340000.00} to XXXX and {$39000.00} to XXXX. {$30000.00} to XXXX plus {$79000.00} to XXXX. {$62000.00} to XXXX XXXX ( plus {$61000.00} from foreclosure ) and {$69000.00} paid to XXXX. 
In XXXX I owed {$20000.00} on a va loan I did not refinance. 
XXXX XXXX XXXX released XXXX {$260000.00} loans. XXXX for the second time. XXXX released the same {$35000.00} twice - XX/XX/XXXX and again in XX/XX/XXXX. 
My credit report shows a {$310000.00} mortgage with XXXX XXXX XXXX and a {$240000.00} mortgage at XXXX I never had. In XXXX XXXX XXXX XXXX offered me a {$420000.00} loan on my house and a {$150000.00} loan on my duplex I never signed. XXXX XXXX took my duplex in XXXX and I had to sign a {$290000.00} modification to keep my house / to which I have paid {$110000.00} ( @ 2 % on {$240000.00} ). The current balance is now the XXXX purchase price. I paid off the VA loan and the buyers {$91000.00} loan on my duplex was also paid off in XX/XX/XXXX. In all I paid off {$44000.00} credit cards - that were already added in the mortgage. I paid them -with interest - at least twice. We filed bankruptcy in XX/XX/XXXX and all debt was discharged yet my credit report shows {$79000.00} was paid. ( I mailed over {$170000.00} seperatelybto those credit cards over 3 years ) I believe I have paid the escrow on all three properties 3 times. Or I paid over 20 % interest. I have paid off all of the principal interest taxes and insurance on XXXX properties and owe more than I paid for the only XXXX left. 
All of the credit cards and the second mortgage were included in the balance I still owe. None of the {$460000.00} I have paid on my house counted. 
None of the {$160000.00} I paid for my duplex counted. 
I paid {$30000.00} more than I owed on the VA loan I never refinanced. 
I believe I paid the discharged debt back twice. 
The way I see it is I have paid {$660000.00} interest ON MY HOUSE. 
And 4.5 % more interest on the original balance and pay my down payment again.
I have a loan which I took out & have automatic payments set up. I went on a XXXX & when I went on a XXXX I had a payment that did not go through, which led to my payments being late every month after that. When I came back I called to see what I can do to take care of this issue & all they could say is that I could pay it off. They could n't change the fact that my credit score has gone down since I was not informed about the payment not going through. Now I am struggling with opening a new account, getting a loan, & other financial issues because of this.
I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.
I was banking with US bank, after a scheduled transaction came out early and overdrew my account, US bank started to charge me at least XXXX overdraft fees per week, they would not stop.. I called and tried to cancel my account, they would not close it, every time they would try and transfer me to someone, nobody would answer, I got no help multiple times with anybody that I ever talked to and all they ever told me is we cant help you because your account is overdrawn.. the fees kept piling up and I had no way of catching up with also being unemployed
I believe my credit report created and maintained by Equifax Information Services LLC and/or its affiliates continue to cite errors with respect to my personal information ; to wit : incorrect and invalid property ( situs ) address. XXXX are CFPB Case Numbers : XXXX ; XXXX ; XXXX ; XXXX ; and XXXX.
my brother XXXX XXXX on XX/XX/XXXX. He had an account with Bank of America with me as POD.On XX/XX/XXXX I went to a BOA branch with my brothers XXXX certificate and personal ID, they copied the XXXX certificate and wrote down my information and told me my request had to be reviewed by their Estate Unit. They sent me a " beneficiary letter of instruction '' to fill out and requested a copy of the XXXX certificate, which they already had. I faxed the requested paperwork on XX/XX/XXXX. On XX/XX/XXXX I called them to find out what was taking so long. The worker told me they received my Paperwork on XX/XX/XXXX, I do n't know where it was for the three weeks from when I faxed it. She told me that I should receive something in 7 to 10 days. On XX/XX/XXXX I again called asking what was going on. This worker told me the Estate Unit was overwhelmed by work and way behind. She told me she entered me into the system and again I was told I would get something in 7 to 10 days. I asked if something meant my funds, she said yes. My complaint is why does Bank of America have an Estate Unit that slows down the process of getting beneficiaries their monies? We have expenses to take care of, and the XXXX of a loved one is enough stress. Is there money being made by locking who knows how many XXXX of dollars in low interest accounts while they have it invested at a higher rate. My brother 's biggest mistake was setting this account up with BOA as they obviously do n't comprehend that Payable on XXXX means that. This should have taken a week at the most, I 'm now looking at more than 8 weeks since I first walked into their branch. CFPB should be looking into this process in its entirety not individual complaints.
This vehicle was repossessed by Prestige Financial in the State of New York on or about, XX/XX/2016, and resold on or about ( I was never made aware of the resale date, price, deficiency ). 
Under the laws of the State of Virginia UCC Title 8.9A. Commercial Code - Secured Transactions - Part 6 Parts 1 and 2. Default and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.
I have been contacted several times from a company claiming that I owe a  cash advance loa n in the amount of {$3300.00}. They have contacted my home and place of employment even after I have requested that they cease. The company representatives have threatened to place a lien on my home, have me served at work and my pay garnished. When I contacted them at  XXXX ,  XXXX   XXXX  as they request, they will not provide me with any information unless I verify the  last four digits  on my social security number and other personal information, which I refuse to do, after which they hang up on me. I have never tak en a cash advance loan, so I know the loan is not mine, however they will not stop con tacting me.
I opened a checking account with BMO Harris bank on XX/XX/XXXX. I opened this account in the XXXX XXXX, MN branch location. I brought with me a coupon for a promotion to open the account. The coupon and the bonus terms and conditions are attached to this file. The terms are that I will receive a {$200.00} bonus for opening a new account and setting up a recurring direct deposit of {$300.00} or more. The terms say that the bonus will be credited within 120 days. I contacted BMO Harris Bank and asked why my bonus was not credited. Initially, I was told it would be credited to my account within 10 business days. Later I was told that I did not meet the terms of the contract. I was told that I had an account open within the past year. This is not true. The most recent time I held an account, in any form, with BMO Harris, was XX/XX/XXXX. According to a BMO customer service representative, I closed that account on XX/XX/XXXX. The terms of the offer say : " Offer not available to existing BMO Harris personal checking account customers or those who have closed a BMO Harris personal checking account within the past 12 months of opening a new account as part of this promotion. '' Since I opened my new account on XXXX/XXXX/XXXX and closed my most recent previous account on XXXX/XXXX/XXXX, I did not have an account with BMO Harris for over a year, and during no part of 12 consecutive months. I have otherwise met the terms and conditions of this offer and as such, BMO Harris is in breach of contract. They have refused to credit the {$200.00} bonus to my new checking account after 120 days. I also feel that this is false advertising on the part of the bank, and has wasted some of my time and likely the time of its employees in researching this matter. I acted in good faith, met the terms of the offer, and expect the bank to hold up its end of the deal.
on XX/XX/2018 I filed a disputed with TD Bank regarding 5 unauthorized ATM transaction from my Checking accounts I have reported the incident to the local police department and filed a police report. TD bank refused to honor my claim stating that the card that was used to conduct the transaction had a chip on it. I had my ATM card on my possession at the time of the incident. TD bank wants me to pay back the money that was taken out of my bank account without my authorization. can you please help me with the dispute.
Wal-Mart will not give me a settlement until my balance with them is {$300.00}, which is crazy because I don't want to build up that balance. I have a {$220.00} balance that I want to dispose of, but I can't settle with them until I have a {$300.00} balance. That's nonsense on their part, to let the balance and late fees accrue to this amount when I want to get rid of the card!! 
XXXX XXXX
Inquiries I didn't authorize, I put a fraud alert in my account months ago, the only valid ones are XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX, XXXX
Credit Card Bill was due on XXXX/XXXX/17. I called into the customer service on XXXX/XXXX/17 and paid the bill over the phone. ( Details of time, person spoke with, and confirmation number given, can be made available, if needed* ) Received bill due XXXX/XXXX/17 and noticed bill from prior month not paid, also included late and interest fees. I called back to customer service ( * ) on XXXX/XXXX/17, explained the prior month and stated I was willing to pay what I owe ( using my original given payment information, on XXXX/XXXX/17 ), not the late and or interest fees, since I paid this on my previous call ( on time ) and received a confirmation number in doing so. I was told I would hear back within 3-4 business days. I then received a letter on XXXX/XXXX/17 ( dated XXXX/XXXX/17, which is 5 business days since my last conversation with customer service on XXXX/XXXX/17, not 3-4 as I was told ), asking for information not pertaining to how my original phone payment was made ( XXXX/XXXX/17 ). 
Due to my work and travel schedule, I returned a call to customer service ( * ) on XXXX/XXXX/17 after receiving bill due XXXX/XXXX/17, balance still not paid, after 2 previous calls and additional late and interest fees. It was at this time where customer service noticed my previous calls, apologized for the error/s on their behalf, paid my bill in full and credited back all additional late, interest fees, etc. DO NOT UNDERSTAND WHY THIS WAS REPORTED ON MY CREDIT REPORT, SINCE IT WAS NO FAULT OF MINE, HOWEVER, I REQUEST THIS REPORT TO BE REMOVED FROM MY CREDIT REPORT, FOR IT IS HURTING MY OVERALL CREDIT SCORE.
I am a couple of payment behind on my Mortgage. Which the total amount is {$1000.00}, I have recently paid a payment of {$520.00} and will pay the remaining amount later in the month. They also told me that someone from XXXX, to come at my home. They came uninvited to my home around XXXX on XXXX/XXXX/2016. I do not want them to come to my house anymore which Bank Of America said I can request anyway, but they came right away after I received the papers.
I filed a dispute twice against Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX with Transunion and they refused to investigate. 
This company is trying to claim the debt started on XXXX 2017 and it was actually 5 years ago. It is also a fraudulent amount. I submitted this through XXXX XXXX and they refuse to let me do anything on there website unless I pay them {$19.00}.
I went into Amscot Financial Services to cash an personal check. I was surprised they do not have restrooms for customer. And they are open 24 hours I spoke with XXXX supervisor on duty at amscot XXXX  location she said to call corporate at an XXXX number. I then proceeded to cash an personal check. And a teller at the window ask me a line of questions. If this is an payroll check, Do you work for that person, what is the phone number for the person who wrote the check. I said it is not my information to give out. He did not cash the check.i called the corporate office and spoke with XXXX who is the supervisor on duty .I addressed the restroom issue.and she looked up the reason why the check was not cashed she said because of contact information no phone number. I said her contact is her mailing address on the top right of the check. That was not satisfactory for Amscot in result i did not get the check cashed, also XXXX said XXXX XXXX XXXX did not have restrooms for costumer. which is not true. Completely unprofessional. And uncalled for.
XXXX XXXX, XXXX is effective BY OPERATION OF LAW. AT THAT POINT IN TIME WHEN THE NOTICE OF RESCISSION WAS SENT, THE LOAN CONTRACT IS CANCELED, THE NOTE IS VOID AND THE MORTGAGE IS VOID -- - BY OPERATION OF LAW
XXXX XXXX, 2016 Consumer Financial Protection Bureau Case # XXXX, XXXX XXXX Department of Insurance & Financial Services Case # XXXX Dear CFPB & DIFS : This letter is regarding above case numbers and CFPB 's press release dated : XXXX XXXX, 2016. 
CONSUMER FINANCIAL PROTECTION BUREAU ORDERS CITIBANK TO PROVIDE RELIEF TO CONSUMERS FOR ILLEGAL DEBT SALES AND COLLECTION PRACTICES " Citibank sent inaccurate information to buyers when it sold off credit card debt and it also used law firms that altered court documents, '' said CFPB Director XXXX XXXX. " Today 's action provides redress to consumers who were victimized by slipshod practices as part of our ongoing work to fight abuses in the debt collection market. '' Will you please take a look at above case numbers! You will see that Citibank , N.A . via XXXX , XXXX XXXX XXXX of XXXX, XXXX as well as XXXX , XXXX XXXX XXXX of XXXX, XXXX did the same thing in above case number! We have yet to see any enforcement action here in Michigan. 
Redress is all we ask! 
Respectfully, XXXX & XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX
Equifax has been non-compliant with removing the unverified account XXXX XXXX XXXX XXXX Opened Date XX/XX/2017 which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX XXXX  XXXX XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.
Synchrony Bank opened a credit card account in my name without my knowledge or permission. Then sent me a credit card through the mail to my residence.
Addendum to complaint # XXXX. This company cotacted me again, after I instructed them not to. I was again contacted on XXXX XXXX, 2017.
Syndicated Office Systems d/b/a Central Finance Control has placed a collection on my credit report. This was placed on my credit report in XXXX 2016. I have not once received a phone call, notice, statement or any other information from this collection agency. I have called them countless time, mailed letters and send fax to this collection agency. Five months later I still do not and have not received anything about this debt that is on my credit report. 
I have without fail contacted this agency, my attorney has contacted them and neither of us can obtain any information on this debt they have placed on my credit report. 
The amount of this debt placed on my credit report is {$88.00}. I have faxes from myself and my attorney on this matter, letters mailed that were returned to me. Their customer Service Reps. will not speak with me nor with they comply with any request to mail me record of this debt.
My son attended Univ of XXXX for 1 1/2 years in XX/XX/XXXX-XX/XX/XXXX. My Parent Plus loan is {$65000.00}. ( His

is {$10000.00}. ) He left that school for failure to provide a useful education. Navient agreed to wait until he graduated from the school he transferred to for payments from me. I am broke and on the verge of bankruptcy. I requested Income-based repayment or some plan that will defer the start of my payments. Navient sent some unintelligible documents to me -- seriously, I have no idea what they mean. The upshot is that my payments start now and are {$390.00} per month. I simply do not have the money and need a deferment. Navient seems unresponsive to my request.
In XXXX, I received a phone call from The XXXX claiming I owed a payday loan debt from XXXX and that the debt was sold to XXXX. After asking for verification of the debt, the representative informed me that I would need to contact the owner of the debt. I then contacted XXXX and asked for verification of the debt, and I was refused. After the phone call, I sent a letter via certified mail to XXXX via certified mail requesting verification of the debt and informing them that any communication regarding this debt must be in writing to the address that I provided. That letter was received by XXXX on XX/XX/XXXX. 

On XX/XX/XXXX, I received a phone call from D2 Management claiming to represent XXXX to collect on account on my cell phone. I informed them that the phone call was in direct violation of the FDCPA and that they may only contact me by means supplied to XXXX
A collection agency called me XX/XX/XXXX for money on a XXXX account I had paid in full in person at XXXX XXXX office, {$310.00} on XX/XX/XXXX. The phone had been stolen in XX/XX/XXXX and altho it was insured, XXXX would not replace it. I had an old phone and used it for 6 months while continuing to pay XXXX monthly in full. I switched carriers after the XX/XX/XXXX payment, thinking I was done with XXXX but they continued to charge me. I did n't know this until XX/XX/XXXX** when a collection agency called telling me I still owed XXXX XXXX What was this for? I still have no bill showing any charges. I paid during that first and only phone call because I was away on vacation and not in a position to argue. My records show it was for {$100.00}. 
I wrote to XXXX 's " XXXX XXXX XXXX '' when I learned from several banks that this issue is affecting my mortgage refinance. 
I clicked " dispute '' to submit information on the TransUnion website and it shut down, telling me to apply by mail and submit copies of driver 's license, electric bill. This bad news is on XXXX credit reporting websites : XXXX, Transunion, XXXX, XXXX. On each of them it says " serious delinquency. '' This is costing me money. 
It is impossible to get through to anyone at either XXXX or Experian. Thank you for your consideration. 
**Reconstructed from bank statements, since XXXX never sent a bill or statement showing charges made and payments received.
In XXXX 2013 XXXX rental properties became vacant without notice from the tenants and breaking leases. Of course, they had to leave the property is total disrepair. Cash on hand was used to repair property for new leases. XXXX of the properties we were able to get current because the mortgage company complied with the terms of the mortgage to apply extra funds to the P & I XXXX and then late charges. However, Seterus will not comply with those terms even though I wrote them quoting the specifics of the mortgage terms. Their position is that it is their option as to how to apply extra funds. The loan could be in a current status and not accuring additional late charges if they would follow other loan servicers ' examples.