WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX Violated The Fair Department Collection Practices Act and the Fair Credit Reporting Act. 

Midland furnished deceptive billing statements and is using the statements to justify and to collect more than I owe. 

XXXX XXXX  / XXXX original owners of the application credit card contract received seven additional payments of {$150.00} after the account was charged off on XX/XX/XXXX. XXXX XXXX XXXX was aware of the situation and deleted all trace and information from my credit reports. 

Charge of Date : XX/XX/XXXX. 

1. XX/XX/XXXX, {$15000.00} 2. XX/XX/XXXX. {$150.00} 3. XX/XX/XXXX. {$150.00} 4. XX/XX/XXXX. {$150.00} 5. XX/XX/XXXX. {$150.00} 6 XX/XX/XXXX. {$150.00} 7 XX/XX/XXXX. {$150.00} Second, violation of the FCRA by Midland in not notifying to the credit reporting agencies that my account is under settlement agreement and that account is under dispute. In addition, inaccurate information has not been corrected from my credit report within the 30 days of my dispute. 

Third violation by XXXX XXXX XXXX was objecting to the court and myself upon request of the original application contract is a violation of the law and my rights. 

Final violation by XXXX XXXX XXXX. " Under the FDCPA, a collector is required, within five days of the first contact is required sending, in writting, a notice of my right to dispute the debt. Failure to do is a violation of the FDCPA. '' For XXXX XXXX XXXX the first contacted was the filing a of lawsuit and thereafter I was sent a letter of my right to dispute.
I purchased an item online at Best Buy in the month ofXX/XX/2018 for {$360.00} but I canceled it because it was delayed for over 10 days. After a few days I received my refund for {$360.00} and then I checked my online statement and I was charged again for the same price for a transaction date on XX/XX/XXXX but I never made another transaction for the same amount. I called Best Buy and first they said it will be fixed in the next month statement. In XX/XX/XXXX I saw the bill again and I called again and Best Buy said I made a second transaction but I told them I never did a second transaction for the same price and they said they will fix it. I called after a week and Best Buy said I need to pay the bill and I canceled my Best Buy account.

Below are the details for the transaction : EXPIRATION DATE XX/XX/XXXX126 Days Left PROMOTIONAL BALANCE {$360.00} NO INT W/PYMTS FOR 06 MOS ORIGINAL TRANSACTION AMOUNT {$360.00} TRANSACTION DATE XX/XX/XXXX DEFERRED INTEREST {$9.00}
Portfolio Recovery Associates LLC keeps sending me letters when I have written to them and advised that I do not owe them any money. They sent me a letter today staying they have purchased a debt of XXXX from XXXX. They said that the seller had provided an electronic file of business records that they consider verification of debt. Unfortunately I never entered into an agreement with this collection company or 3rd part company. I have reached out to XXXX and they can not provide me with a written signed contract because they said the debt is no longer in the database. By law I am only bound to pay a creditor when I have entered into an agreement with them. I do not know who portfolio Recovery is but they are trying to get me to pay a debt that I do not owe them. If they bought this debt without the signed contract that it is not my problem. I will not negotiate or pay a 3rd part collection company because they can not legally provide me a signed contract showing that I owe them anything. Their unwanted communication and threats are now past the point of trying to be reasonable. I am asking that a full investigation be done into their illegal attempts at collecting on a debt that I do not owe them.
I was called by a guy saying he represented a collection agency for Eversource ( a power company in my area ) saying that we owed {$45.00}. We knew that we had paid in complete our total power bill. 
He threatened to mark down my credit and said we had to do it tonight. When I asked for his number and told him I would call him back he just hung up. 
Call was from XXXX
Ditech has repeatedly called this number over more than 9 months, despite repeated requests to remove the number from their records. The number is a business line, and the person they are looking to speak with does not work at this company.
In  XXXX  I took out a second mortgage with HFC, a HSBC company and just recently it was transferred to a company I never heard of  XXXX ,  XXXX   XXXX   XXXX  ,  XXXX   .    I never looked closely before just made my monthly payments until recently and I noticed that my principal has hardly been reduced over these 10 years and I began to think that this is an abusive mortgage situation that I am involved in. I looked online and saw that in  XXXX  HSBC was sued over similar abusive mortgages. I would like to get relief and a fair situation for this mortgage from the companies now involved and previously.
I have copies of my payment history which was provided from Wells Fargo on XX/XX/XXXX. After a thorough comparison, it reflects different payment amounts and dates from what has been submitted via CFPB. With this discovery, I am looking to pursue legal action against Wells Fargo as it appears my account has been wrongfully credited from as far back as XX/XX/XXXX. In addition, Wells Fargo has not tried to contact me via phone. I have no missed calls or messages. I have only received letters stating that Wells Fargo needed additional time to review my case. I am extremely relieved to discover these discrepancies. I have had strong reasons to believe there was a problem with my account for quite some time. I reported this to Wells Fargo, with no luck or support. I now I have proof. I am more than willing to send you a copy of the documents I am referencing. Please advise how you would like for me to proceed. Thank you! XXXX XXXX
Made payment online which is only way to pay. Scheduled it on a Thursday to come out Saturday. Printout says payment date Saturday. Internet site said payment date Saturday but that it would n't post until next business day. Company marked 30 days late with credit bureau. Very wrong that company did n't either not allow payment option for Saturday or make clear that even though it said payment date that it would not count until The next business day. It simply said would post. I should have the benefit of a doubt because of the seriousness of credit besides why should a consumer only have 28 days to pay and not 29? Should be considered on time because everything is misleading.
For the last 3 months or so, I have been receiving calls on my home phone ( never leaving a message ). In XX/XX/XXXX, I received and answered XXXX of the calls. I was spoken to by a female who repeatedly asked my name, while not replying to my questions of why they were calling. After I heard XXXX of the questions was for an address that my adult son had lived at, I explained that I was not the person that they were looking for, and had never lived at that address. She then asked if I lived at the address of my house, to which I replied " Of course I live at the house that I own '', and asked her how she got my number. She stated that her collection company represents someone that is owned debt. I informed her that someone there needs to learn some simple investigative skills, and realize that they are calling the wrong person! The calls stopped for about 5 days or so, then started again. They call XXXX to XXXX times a day at varying times. Today on XX/XX/XXXX, I received a third call for the day ( once in a.m., XXXX, XXXX ), and I answered. I did n't hear anyone, so I stated " Welcome to XX/XX/XXXX, how may I help you? ". After no answer, I advised that I would be seeking legal action against them if the continue to call me, knowing that I am not the person that they are looking for! At XXXX, I called the number listed on the caller id ( XXXX ), and spoke with a man, too whom I gave my name and phone number to. I also informed him, that the companies undue harassment will not be tolerated, and that if it does not stop, I will seek to sue them. I explained that, I have lived at my address since XXXX, and obviously I could n't be the person that they are looking for as previously explained in a prior phone call ( since each time speaking, both repeated that the call was being recorded )! I also informed them that, as a retired XXXX XXXX XXXX, I have nothing but time, so they need to stop their unlawful action now! He just said that he understood. Somehow I doubt that they do understand, if all calls are recorded and not once does someone listen to them, or use any investigative, or deductive thought!
Citi Bank offered a {$400.00} bonus if I deposited {$15000.00} for XXXX month and then kept this there for additional XXXX months. I sent the money on XX/XX/XXXX and kept this for the required XXXX months. Citi Bank states I met my requirements and has still not paid me as of today and should receive the bonus on XX/XX/XXXX. 
Today ( XX/XX/XXXX ), I still have no bonus.
On XXXX/XXXX/15, Viking Client Services contacted me by mail about a " debt '' of {$670.00} from XXXX Car Rental. I know of no such debt. I contacted XXXX who had never told me about anything like this, and XXXX had no information about it. I wrote on XXXX/XXXX/15 to Viking telling them there was no such debt and asking that they drop it or " obtain a verification of the debt or obtain a copy of a judgment and mail to me a copy of such judgment or verification '' as they had indicated they would do so in their XXXX/XXXX/15 letter. They have not done so or responded in any way. On XXXX/XXXX/15, I received a letter dated XXXX/XXXX/15 again referring to this " debt '' and " offering '' me an initial payment plan of {$50.00} per month for XXXX months. 

This entire approach seems fraudulent, predatory and abusive. They have not provided any information on this " debt '' ( as they indicated they would do XXXX. I worry not so much about me, as about other poor individuals whom they must be approaching with similar tactics : official-looking letters, names of big corporations XXXX like XXXX XXXX, and no back-up or information. Just demands for cash payment for so-called " debts. " I am willing to cooperate with the CFPB or any other agency to help stop these predatory, abusive practices. If there is an attempt to collect a " debt, '' the debt collector should at a minimum be required to describe the so-called " debt '' to the debtor.
I closed my Chase Checking Account over the phone almost 2 months ago and still have not received my account balance check in the mail. I want my account balance returned to me in branch. 

I closed my Chase checking account over the phone on XX/XX/2016. The number I called was XXXX. As of closing date, I had a remaining balance of {$2400.00}. I was assured over the phone that I would receive a check for that amount within 14 business days. 

I had still not received my check by XX/XX/2016, by which point 14 days had elapsed. I called in to inquire regarding my balance check. Chase assigned a research analyst named XXXX ( tel : XXXX ext XXXX ) to my case. XXXX called me on XX/XX/2016 and told me to go to a physical Chase branch branch to sign an " affidavit '' to have the check reissued. 

I go to my branch on XX/XX/2016 and spoke to an employee named XXXX XXXX ( tel : XXXX, email : XXXXXXXXXXXX ). He had no idea what affidavit I needed to sign. I called XXXX and she did not answer. After I sat in XXXX 's office for 3 hours while he called around, he gave me a National Account Closing Request form to sign. I sign and have it notarized and he faxes it in to XXXX on the same day. I have attached a copy of the form. 

After XXXX faxed the affidavit in, he told me he is unsure if he is allowed to reissue the check. After hearing nothing from Chase, I called Chase again at XXXX on XX/XX/2016 to inquire about the status of my check and spoke to a manager named XXXX XXXX in Ohio. She tells me the branch should mail me the check, but that she has no way of confirming if the affidavit was received and when it will be reprocessed. 

On XX/XX/2016, I went back to the branch and spoke to Branch Manager XXXX XXXX XXXX ( tel. XXXX, email : XXXXXXXXXXXX ) to attempt to get the situation resolved in branch or at least get some indication of when it would be resolved. She calls in to the Banker 's Support internal support line and spoke to " XXXX '' who assured us that my check was mailed out on XX/XX/2016. " XXXX '' was unable to provide a tracking number or check number for this replacement check. As of XX/XX/2016 I have still not received my check.
I ordered a credit reporting product from EXPERIAN called credit check total. There was a {$1.00} fee which I accepted. Then AFTER signing up they informed me that after 7 days I would be billed monthly beginning on XXXX/XXXX/XXXX at {$29.00}. On the account itself they provided no convenient means of cancellation. They require you to call a number. The problem is that each time when I called yesterday I was told I would have to wait AT LEAST 1.5 hours to 1.75 hours to speak with a person about cancellation. I do n't have 1.5 at least 1.5 hours to sit around waiting to ask them to not renew my membership. So, yesterday I sent them an e-mail to XXXXXXXXXXXX with my membership information and requested that they cancel my membership immediately. Instead, this morning they charged me {$29.00}. I then attempted to call them to dispute the matter. The system said I would have to wait AT LEAST 30 mins. I thought at least I can make breakfast and do some chores while I wait. I waited for over 1.5 hours before hanging up! The goal of the whole practice of making you call seems to be to allow them to renew your subscription indefinitely because at this point I 'm not sure anyone actually answers their " customer care '' line.
My CD matured on XXXX/XXXX/2016. Prior to the due date I contacted Ally Bank to arrange for a partial redemption on the CD on the maturity date. I have spent literally hours on the phone and on hold trying to get a portion of my maturing CD funds transferred to my checking account. As of XXXX XXXX I am still on hold trying to get my funds sent that were supposed to be sent on XXXX XXXX.
I received an email asking me to verify my banking information, so that I may receive a large settlement from a XXXX XXXX. It follows. 

From The Desk of : Dr XXXX XXXX XXXX 
Bank of America. 
Branch Offices XXXX XXXX XXXX XXXX, XXXX XXXX. 
NY XXXX, XXXX. 
Vice Chairman on Investment Banking Director, Credit Control Dept. 

We are hereby officially notify you concerning your fund telegraphic Transfer through our bank, Bank of America, New York, to your bank account, which has been officially approved by the management of XXXX XXXX XXXX ( XXXX ) to credit the sum of US {$18.00} Million into your bank account. 
Note that I have started processing your payment and every thing concerning the immediate remittance of your funds will be carried out within the shortest possible time from the time we received your? Below needed information Also be informed that the Governor of XXXX XXXX  XXXX ( XXXX  ) will sign on your payment advice and a copy of the advice will be sent to the XXXX XXXX  XXXX   XXXX for some record purposes. Meanwhile your information and your full contact details were received from our research manager, XXXX XXXX on your behalf to XXXX  for immediate release of your fund This fund was part of the lodged Late President XXXX XXXX of XXXX discovery fund with XXXX XXXX  XXXX XXXX, which the XXXX XXXX  has decided to distribute it generously to help few lucky individuals and the American Government is in agreement with the XXXX XXXX  to distribute the fund to XXXX XXXX XXXX people in America, XXXX & XXXX in other to help improve their businesses. 
Therefore, reconfirm the aforesaid information accurately, because this office can not afford to be held liable for any wrong transfer of funds or liable of any fund credited into an unknown account. 
These are the information we needed to be reconfirmed by you. 
1.Your Full Bank Account Details 2.Your Direct Cell or office phone to reach you 3.Your address of locations 4.Your full name
I applied for a Bank of America XXXX XXXX XXXX XXXX XXXX on XXXX XXXX 2015. The terms of the application offer were XXXX miles after first use, XXXX miles after {$12000.00} spend in the first six months. I received approval notice and the card on XXXX XXXX and activated it at the point. Since that point I received the six month statements, the first in XXXX covering the range of XXXX XXXX - XXXX XXXX and the last covering the range of Novermber XXXX - XXXX XXXX. My six month statement totals is {$12000.00} ( excluding the annual fee that posted on XXXX XXXX when the card was activated ) which covers the 6 month period between physically receiving the card and the 6th month statement close ( XXXX XXXX - XXXX XXXX ). It is very clear I met the requirements. 

XXXX XXXX while doing my taxes I realized that the XXXX bonus points had not posted. I followed up with Bank of America and they said that technically I missed the date because the clock starts after " opening the account '', which appears to be XXXX XXXX but this was never communicated to me as I had no card to physically use thus the 6 month advertisement was a deceptive marketing scheme. The Bank of America agreed this is confusing and confirmed the bonus points would post because of the honest misunderstanding. 

XXXX XXXX I received a letter from Bank of America stating I would not receive the additional bonus miles, disregarding the deceptive nature of the offer and what I was told by Bank of America personnel regarding resolving the issue by issuing the bonus points. I followed up again with Bank of America and this time the representative said they would submit a claim to have it resolved. 

XXXX XXXX I received the same boilerplate letter saying I did not meet the terms and would not receive the bonus miles. Bank of America has provided me with no alternative for recourse outside of filing complaints with local agencies to make me whole due to their misleading advertisement practices and bait and switch tactics regarding resolving the problem. 
I have documentation of the offer and my statements to prove I meet the 6 month spend requirement and I am looking for Bank of America to honor their agreements.
XXXX/XXXX/14 : We first contacted XXXX XXXX ( XXXX XXXX, XXXX XXXX ) to broker a mortgage on a property we were considering. He quoted an available mortgage rate of 4.625 % but said it changed rapidly and our actual rate would depend on the market when we closed. 

XXXX/XXXX/14 : We identified a XXXX property when the XXXX one fell through. XXXX repeated his statement about rates. Currently 4.625 % but they would change based on the market when we close. Escrow opened. 

XXXX/XXXX/14 : We were scheduled to close in a week but the bank appraisal had not occurred. We were very concerned that that would give the sellers an out. XXXX had locked us into the 4.625 % rate, which he had quoted almost two months before, despite lower prevailing market rates. When asked if the rate could be adjusted since the lock was expiring due to repair issues on the house, XXXX 's response was " No, since it has gone to escrow ''. This was a deliberate attempt to mislead us since escrow had been opened a month earlier. He also claimed we had given him a " verbal '' lock at 4.625 %. We did no such thing. Rate locks must be in writing according to Oregon Revised Statutes and no such document had been signed by us. When pressed on the matter, XXXX said he was going to pull the appraiser ( which would have caused us to lose the house ) and hung up on me. 

XXXX/XXXX/14 : I was compelled to contact XXXX XXXX ( XXXX XXXX ), Branch Manager at XXXX XXXX XXXX re : XXXX 's angry response and threats to pull the appraiser from the site. His response was that he thinks we " have been treated fairly ''. 

XXXX/XXXX/14 : With the choice of either losing the house we love or accepting the terms forced on us by XXXX XXXX, we close on the house. The higher interest rate will cost us more than {$5000.00} over the life of the loan. More to the point, we felt manipulated, lied to and bullied by XXXX XXXX. His behavior was reviewed and supported by his manager, XXXX XXXX. 

COMPLAINT SUMMARY : XXXX XXXX was deliberately not forthcoming with accurate market rate information at his disposal. He locked clients into higher than market rates in order to benefit himself and his company. This is predatory lending. 
XXXX XXXX bullied clients into compliance by threatening to cancel a key process in the buying procedure in order to complete his self-serving transaction. 
XXXX XXXX lied about the loan closing process by claiming a loan has gone to escrow when escrow had been opened for a month. This facilitated his manipulation of the closing process to his benefit. 
Rather than representing the highest industry standards of the home mortgage industry, XXXX XXXX represents the lowest social standards of being a common bully, prevaricator and exploiter. The public needs to be warned about him. 
By endorsing XXXX XXXX 's behavior, XXXX XXXX was at the most culpable in behavior that enriched his firm and at the least negligent in his supervision of a rogue employee.
My name is XXXX XXXX and I am reaching out today with frustration over my servicer Portfolio Servicing for my property address XXXX XXXX XXXX XXXX XXXX FL XXXX. I was modified almost 5 years ago and now my payment is going to double. I have requested the copy of my loan modification more than once and never received it. The servicer has given me the answer that they are waiting on the previous servicer Bank XXXX XXXX to provide it. I sought assistance with a HUD Housing Counselor and she looked up via the MERS and the servicer still shows Bank XXXX XXXX, I looked up as my address and social and still shows XXXX. I do not know who is responsible to provide to me the requested documents, I can not seem to get the correct information. I would like to refinance and I am currently working on that but I need the servicer to respond with the document request.
My name is XXXX XXXX and I was involved in the Equifax security breach which included a change in my birthdate and some inquiries that do not belong to me at all, I called Equifax and they told me what to send it to change information, I sent in all the required information via fax just like they ask and I received a response back that they were going to update my information and remove the inquiries I ask to be removed this was back in XX/XX/XXXX. I recently viewed a completely updated copy of my credit report that was supposed to be updated from XX/XX/XXXX and it is not updated. I called Equifax yet again and they refuse to budge on removing the information and are requiring another copy of the same information I paid {$26.00} to have sent to them. I was not informed at all of the breach in my information, I found out when I got denied a loan that this was what was wrong with my Equifax report. I have called several times and can not get any headway with them at all, and I am not paying another {$26.00} to send them certified mail again when it was already supposed to be changed and I received the paperwork to have it changed. This is ridiculous. Because of Equifax this is having a negative impact on all 3 of the bureaus reports. I am upset they did not inform me my information was corrupted and that I had to find out on my own, and now they are refusing to budge and change the information to the correct information and remove the improper inquiries off my account!