WillisBack/dataset-financial-user-claim huggingface dataset:
I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court.
The collector keeps calling my cell, my job, and my family. Claiming they are going to serve me papers at my home or place of employment. They are making threats and using different names. The call to my job was from XXXX XXXX Services, To my family they are identified at Fling Firm but from the same number
i spoke with a representative from chase card services in XX/XX/XXXXregarding two account I had that were passed due and I wanted to get these accounts to good standing. The representative told me that they were closed but we can do a program known as reaging to get accounts back active. per call in XX/XX/XXXX i spoke with another representative that informed me reaging is still a possibility on the account i had to make to two payments to satisfy the past due amount and then they accounts will be reactivated. Payments were made as agreed and i followed up to confirm account would be repopened in a timely fashion customer service representative XXXX she informed me that was not what the arrangement entailed and that my accounts remained closed. when asked for recording of conversation customer service representative did not provide the information to me and continued to try and avoid the conversation with me.
On XX/XX/XXXX of this year, my mortgage servicer, PennyMac, utilized {$3300.00} of my escrow account funds and negligently/invalidly paid the property taxes for an unrelated loan/parcel. I contacted them, via phone, regarding this issue on XX/XX/XXXX. They indicated they would remedy the error. After two weeks, there had been no progress toward remediation. I contacted them, again, via e-mail, on XX/XX/XXXX. They responded that they were " monitoring the account '' and were waiting to converse with the Assessor 's Office for my county. I contacted them, again, on XX/XX/XXXX. The customer service representative indicated that nothing had been done to remedy the error. I explained to them that I had decided to sell my home and needed the funds restored to my escrow account to apply them to estimated taxes at close. They said they would expedite my request. As of Monday of this week ( the XX/XX/XXXX ) nothing had been done. I have provided them with my parcel number and a copy of the tax bill indicating that my home, which was only constructed in XX/XX/XXXX of last year, has no current taxes due. Because they have not assisted me, I will be forced to pay the estimated taxes ( roughly {$3500.00} ) out of my own pocket at close. Altogether, I have spoken with six customer service representatives and sent five e-mails regarding this issue.
During hurricane Irma we were granted deferment for 5 months! We were told they would put the amount at the end of the loan or work out a suitable affordable repayment and that our mortgage would go up only minimally. After 5 months of derferrement we were told we were being refinanced and were given no choice in the matter. Thus we are 2 payments into XXXX 3 month trial period paying {$300.00} more monthly then before Irma and are XXXX dollars in the rears. We have no idea what interest rate or mortgage amount we will end up with and THIS IS UNFAIR we maybe set up for failure and not even be able to afford the new milysrery payment and hence lose our home to foreclosure. Please advise
On XX/XX/XXXX experian reinserted a account on my credit report that was perviously deleted and blocked due to my credit being used fraudulent. They blocked the account for several months just to reinsert the same account with out sending any varification to me. They also are in violation of the fcra section 609 and section 611 that says they have to give a five day notice before a previous account blocked from a police report can be reinserted. The XXXX XXXX account that was placed back on my credit is a prime example of the credit bureau lack of ability to follow the law. And under the the court of law I will go under oath to be sure that Experian stop causing me humiliation and mental anguish.
I was trying to add a newly issued Chase credit card to my existing online account. I called Chase customer service to request their assistance. They made two attempts to send me a verification code via text, both of which failed. The rep then transferred me over to a member of their security team for alternative verification. He proceeded to ask me questions to which I responded correctly. He then started to ask me questions about my sister. I confirmed the name of my sister, which is straightforward enough. He then asked me for her birthday, at which point I refused and questioned the legality of him asking questions about an individual who had not given her consent during the conversation. I said I would not answer the questions. He threatened to put my account on hold. 

I then recalled that my provider XXXX occasionally blocks these kinds of text messages. I called XXXX and sure enough, they had to change some settings on my account to let the messages through. 

Upon calling Chase, I was immediately transferred to the Fraud Department because the security guy had indeed blocked my account. Because I was now able to verify with the text code, my account hold was removed. I then asked again about the legality of being asked questions about my sister and was not given a satisfactory answer. 

I do not see how it can be legal for any financial institution to ask questions about and individual not present during the conversation and therefore unable to give consent.
I received a letter from the company named Patenaude and Felix, A.P.C. stating that I have to pay off an account that for {$260.00} when the account has already been closed. In the achieve I will be enclosing the following documents. One, the letter from Credit Monitoring ( showing proof that the account was closed ) and the letter from the following company I have mentioned earlier. I don't know these lawyers and I would appreciate it greatly if you looked into the matter as soon as possible.
I have applied for a Wells Fargo credit card on Wells Fargo website. 

One of the questions on the application was related to citizenship. I am not a XXXX XXXX, I am working in US on a XXXX XXXX. 

After submitting the application, a hard pull was made. A few days later a letter was sent to me saying I was required to send over a copy of my social security card. I have faxed them the details on Friday, XX/XX/XXXX. 

When I called Wells Fargo today ( Monday, XX/XX/XXXX ) to inquire about my status they have mentioned that the application was declined as I was not a XXXX XXXX. 

This information was already known from my application form wherein I had mentioned that I was a XXXX XXXX, but not a XXXX XXXX. 

Why was my credit history pulled when it was already known that I was not a XXXX XXXX? 

Wells Fargo application number : XXXX
A message was left on my voicemail stating that The message was intended for XXXX XXXX and was from XXXX and that I needed a statement either from me or an attorney returned to them. They left a Telephone number XXXX XXXX File # XXXX. I returned the call to find out what was this in reference to and XXXX XXXX, XXXX advisor stated that he represent the fraud dept. and that supposedly I took out a cash advance XXXX years ago in XXXX XXXX Fl. and the bank was closed or frozen and that now they are trying to collect. The amount due was {$410.00} but it has accrued penalty and interest and now the amt. is {$1800.00}. But if I provide a credit card today for the amt. for the {$410.00} that it would stop them from going to court and would go for the {$1800.00}. They also stated that I had used my brother, XXXX XXXX and XXXX XXXX as references. I know for a fact that it is a tactic and wrong. They expect for me to call tomorrow and provide them with a XXXX credit card. His direct # is XXXX XXXX ext. XXXX. File XXXX.
On XX/XX/2017, I requested from XXXX a cash advance of {$5000.00} in response to a promotion. The cash advance was to go to my XXXX card. I realized right after I submitted it that I had a typo in the address for XXXX. I immediately called the customer service number for XXXX and explained my error. The representative said she would cancel the transfer. I asked if I should go ahead and submit the balance transfer again and was told, yes, I should submit another transfer. On XX/XX/2017, XXXX sent me a letter telling me that they received my request cancel the balance transfer, but payment can not be stopped because the amount had already been paid and transferred to XXXX. In addition, a second balance transfer for {$5000.00} was completed and paid to XXXX. This contradicts the instructions I was given when I called customer service. I would never have submitted the request a second time if I had not been told that the first one would be canceled. Now, instead of owing XXXX {$5000.00}, I owe them {$10000.00}. I called XXXX  again on XX/XX/2017, and was told there is nothing they can do and that I need to have XXXX refund the overpayment.
After an accident, my husband incurred substantial medical bills. While we were able to make payment arrangements for most, one slipped thru the cracks and ended up in collections. L.J. Ross of XXXX, MI. We are not disputing the debt, nor refusing to make payments, our issue is the amount of money this company wants every month is far more than we can pay. They refuse to negotiate and we do n't want this to be unresolved. We want to make payments, but we need them to be willing to work with us, and by that, I mean, we can only afford XXXX a month ( we are, after all, making XXXX other medical bill payments! ) and not pay them the over XXXX per month they want. A little compassion is what we need. We are not trying to get out of a bill, just make it affordable is all.
XXXX XXXX XXXX XXXX are reporting a charge off account which they sold to another company but refuses to change the charge off to included in bankruptcy with XXXX balance, ihave talked to XXXX at XXXX at XXXX I have sent them several letters and faxes
Dear Sir or Madam, I paid in full my first deed of trust loan with Mr. Cooper ( Nationstar Mortgage ) on or about XX/XX/2018 via wire transfer. The Mr. Cooper loan number was XXXX. This deed of trust was recorded against my property located at XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX, CA XXXX. 
Even though ( 1 ) Mr. Cooper unilaterally required me to wire transfer the final pay-off funds at an additional cost to me of {$40.00} as charged by XXXX XXXX XXXX, XXXX, and ( 2 ) pursuant to the terms of my promissory note and deed of trust, there was no requirement obligating me to wire the final payment, Mr. Cooper has failed to provide me with the original of my promissory note as required by law and as formally requested by me via telephone calls on no less than four separate occasions including a conversation with Ms. XXXX of Mr. Cooper on XX/XX/2018 at XXXX XXXX   PST. Each time I have expressly requested the return of my original promissory note and I have been assured by the Mr. Cooper customer service representative that the " promissory note is in the mail ''. As Mr. Cooper continues to deceive me by telling me that the promissory note has been sent, it is clear that they have no intention of returning the promissory note to me as required by law and I am quite concerned that they may attempt to sell the note or to claim that it has not been paid off. As a result, I am requesting the assistance of the CFPB to require Mr. Cooper to return the original of my promissory note as required by law since Mr. Cooper continues to deceive and abuse its borrowers.
The associate at First Equity Alliance was very condescending and spoke over me in my attempts to get documentation mailed to me for confirmation. He was very rude and unprofessional. To act as if they are mediators yet berate the consumer is uncalled for.
I took out a loan from a company called " Loan me '' in XXXX of 2015 of the amount of {$2500.00}. I received a phone call from my sister that someone named XXXX contacted to verify who I am and where I live, she also contacted several other people in my family and job to get in touch with me. When I called XXXX she told me that she works for a company called " XXXX XXXX XXXX '' in good faith I gave her my account information because I know I took out this loan and set up a payment arrangement with her which was going to be {$400.00} a month over the course of 2 years with no interest ; however, when I looked up this company there is no information of its existence. I asked XXXX to send me a letter to confirm that she works here and I got an address which was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX and phone number is XXXX. When I look up this address it is showing that it is a XXXX XXXX. She threatened to take me to court and sue me for the {$4800.00} and guaranteed me that I would loose in court. After I hung up the phone with her something did n't seem right. I started to do my research and contacted Loan me to see where my debt had gone and they told me that it got sold to " XXXX XXXX XXXX '' and that they ca n't give me anymore information not even a number to contact them and that I had to look it up. After looking up the company XXXX XXXX XXXX, I am still not able to find any information on it. All I would like to do is find out where my debt went and see how I can settle this because none of these companies that are calling me or non- existent. I went ahead and cancelled my debit card and reported it to my bank but now I am back at step one.
I previously worked for Bank of America for a little over 6 years ' total. During that time, I also used the bank as my primary depository institution. After voluntarily departing from the bank XX/XX/XXXX I continued using the accounts out of convenience. I had/have a total of XXXX accounts, XXXX checking and XXXX savings. In order to avoid a monthly service charge for the savings account without maintaining a minimum {$2000.00} in each account I had to set up auto-transfers from the checking to each of the savings. This was done easily while working at the bank and setting up the payments to coincide with paydays - every 2 weeks. When I left, and began with another company my paydays changed to semi-monthly. Still, the transfers continued and I never had a problem with overdrafting my account at any time. On XXXX/XXXX/XXXX, I logged in to check the account since I had began using another institution for my daily spending and only using BOA for bill paying - I noticed that I had incurred overdraft charges the prior week. When I traced the reason why the account had been overdrafted, it was due solely because of the auto-transfers from the checking to each of the savings accounts. My thought was that I would contact the bank and let them know of the error so that it could be corrected - after all, the funds were not 'absent ' it was just a matter of funds going into XXXX account when it should have been held - and I do not overdraw my account, nor was I ever notified via mail and/or email of the problem. When I contacted the bank, the representative stated that she had to 'check ' to see if I was eligible for a refund of the overdraft fee. She placed me on hold and came back on the line and informed that I was not eligible. I asked her why and what was the determining factor? She said that she was unable to tell and that the 'system ' has a formula for this but either would not or could not explain it to me. Now, this was literally XXXX overdraft fee..not multiple..not spending money that I did n't have. The funds were 100 % within the bank - and they charged me a fee for money they benefited from. Furthermore, I had no prior knowledge of this policy nor any notification afterward that this had occurred. I am now in the process of removing all of my funds from this account - a lengthy process since I have had this account for almost 15 years. What a disappointment.
# 1 - OCWEN continually wrongly asserts that I am behind in my payments. We entered into a Loan Modification Agreement XX/XX/XXXX. I made all trial payments ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) well ahead of time. I even have mediation documentation signed by an attorney representing OCWEN stating that I had made all trial payments. I have documentation of payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. By all accounts, I have overpaid by XXXX XXXX dollars. Yet, I am receiving notifications of being XXXX months behind in payments. All along, getting charged additional interest, late fees, and possibly reporting bad credit. 

# 2 - OCWEN inexplicably cancelled an automatic payment plan before it even started. On XX/XX/XXXX, I set up automatic payments to begin XX/XX/XXXX ( I have documentation ). When the payment did not come out of my bank account, I called OCWEN on XX/XX/XXXX to see why not. They said that the plan expired XX/XX/XXXX ... even though it never started ... and they had no explanation as to why. It is this type of operation that gets people in trouble with them. So, since my payment did not make it to OCWEN by XX/XX/XXXX, they now have charged me an additional {$19.00} to make the payment over the phone. 

# 3 - I requested that OCWEN perform a research investigation into my account XXXX days ago. They have yet to acknowledge the request ... let alone the results. 

I now believe that this is all intentional and predatory in nature.
The XXXXXXXX XXXX XXXXXXXX XXXX in Ohio has been operating a Speed Camera system. In XX/XX/XXXX, the camera system identified I was allegedly speeding through the XXXX. I was fined {$95.00} and was due to pay this fine by XX/XX/XXXX. I paid the fine by check ( copy of check and original fine notice attached ) on XX/XX/XXXX. I then received a second notice saying I now owe {$180.00} for the same violation. I finally reached someone who could speak with me about the situation and I was able to show that I had in fact paid the original notice. My contact was with a contact at a company called XXXX XXXX XXXX. XXXX XXXX XXXX apparently collects payments on behalf of the XXXX XXXX XXXXXXXX XXXX. Attached is email communication from XXXX XXXX XXXX confirming I paid my debt and the issue is resolved. The date is XX/XX/XXXX.
On XX/XX/XXXX, I received a third collection notice now from a company called Municipal Collections of America , Inc . They claim I owe {$240.00} for the same alleged violation in XX/XX/XXXX to the XXXX XXXX XXXX XXXX. 

This complaint is against the XXXX XXXX XXXX XXXXXXXX and not the collection agency. I understand the collection agency has purchased the debt from the XXXX XXXX XXXX XXXX. I have sent a demand letter to the XXXX XXXX XXXX XXXX requiring a letter from XXXX XXXX confirming the debt is paid and that all erroneous information has been removed from any and all systems. 

I 'm tired of this harassment. The issue of XXXX XXXX 's speed camera system is before the Ohio Supreme Court being considered unconstitutional. The collection practices of the XXXX XXXX XXXX XXXXXXXX are a violation of the Fair Debt Collection Practices Act ( i.e. abusive and unfair ).
On XX/XX/2018 Diversified Consultants received a certified letter from me requesting debt validation. Diversified Consultants responded by sending a bill. On XX/XX/2018 a 2nd written request was sent to Diversified Consultants to verify the alleged debt ; the company responded by sending another billing statement. Months prior to receiving this negative remark on my credit reports, I returned the cable/internet equipment to XXXX and was awaiting a final bill showing the deductions of the equipment. I never received a final bill reflecting the appropriate charges nor was I given the opportunity to pay the final bill before they sold the account to a collection agency and reported it on my credit reports.
XXXX has been non-compliant with removing the unverified account REGIONS BANK XXXX which has been deleted by XXXX and XXXX . XXXX and XXXX have both completed their research and determined that REGIONS BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.
On  XXXX   XXXX ,  XXXX  my ex-wife and I met with an attorney,  XXXX   XXXX  in  XXXX   XXXX   XXXX , Michigan, to consult about bankruptcy. We left that consultation without any intent on filing bankruptcy. On  XXXX   XXXX ,  XXXX , while returning home to Michigan from Alabama for  XXXX  vacation, none of my credit cards would work to pay for my rental car. After research, I found out that the attorney that I had consulted with said that one of his secretaries accidentally filed the bankruptcy electronically with the Bankruptcy Court. The attorney wrote letters to the court and my creditors, but all that happened is that it was " dismissed '' not removed. It is still affecting my credit report and my ability to obtain credit. I was denied credit about a month ago by  XXXX   XXXX  because of the bankruptcy. How do I get this bankruptcy REMOVED from my credit report, not just " dismissed ''????
Worst banking experience. BofA customer service got from bad to worst, they all care is ripping customer off with their fees which the gobernment agencies must take care. It is not fair that the banking industries makes billions of $ from peoples hard work thru these type of fees.
The credit limit and and credit balance is being reported incorrectly from all XXXX credit bureaus for my XXXX account.