WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing concerning my request that the accounts placed in collection, on my credit WERE NOT properly investigated or removed. Under the Fair Debt Collections Practices Act ( FDCPA ), this is not a request for validation. The request for a block of the listed accounts in my affidavit according to Section code 605 Block of information resulting from identity theft ( 15 U.S.C.1 681 c-2 ) should have been removed with in 4 days from the day of receipt of my affidavit per XXXX XXXX Equifax and XXXX investigation.
I have been having issues with our mortgage company over the past two years. This started out with our home not being assessed properly, thus raising my monthly mortgage bill about {$700.00} dollars. This was obviously not their fault because of how my house was valued. So, they allowed me to spread my payments out over 5 years, which was a good thing. So, my mortgage went from {$3300.00} to XXXX, to XXXX. I then asked the locality in our area to re-assess our home so that we could lower our mortgage payments. Once that was done, I received a refund for our school , county, and township taxes. I then asked our mortgage company if we sent them a check to go directly to our esscro for our taxes, would they be able to reduce our monthly mortgage payment. The response was that it would go down to around XXXX a month, which i was pleased with. That payment happened in XX/XX/XXXX. When I received my bill for XX/XX/XXXX, it was over XXXX! I called to ask why this was the case, and the response was that they use a formula that specifies what the monthly payment would be based on how much is owed vs. extending the payments, which did n't make sense to me. If someone would have told me that the XXXX payment for our mortgage would have raised my monthly bill, then I would have never made that payment, and I would have been happy to just deal with the XXXX a month payment! And to add insult to injury, I lost my job XX/XX/XXXX. So, I still owe a XX/XX/XXXX and XX/XX/XXXX payment. I 've applied for borrowers assistance from the mortgage company, but I am not confident that they will give me the assistance that I require to get my life for me and my family back on track. I am obviously frantically looking for a job so I can get back to supporting my wife and XXXX kids. Anything that you can do to assist is greatly appreciated!
Robo call to my home number XXXX many times daily. The phone number that the call comes from is XXXX. XXXX from Capital One.
On XXXX XXXX, XXXX I was alerted by Equifax my information was compromised.
This account has been reporting negatively on my account since XXXX XXXX from a company called off XXXX XXXX in the amount of {$2300.00} I have disputed this account multiple times to no avail. I have not been able to contact the Creditor of this account yet and still Equifax reports it negatively on my credit report.
I have paid my car payment up for 2 months my next payment is not due until XXXX XXXX of XXXX dollars. I have had car payment in the past and if you make payment ahead of your payment date you do n't make all the high interest. Ally is charging in high interest for payment I have already made.
{$1600.00} was removed from my checking account with XXXX Bank in error, on XX/XX/XXXX. On XX/XX/XXXX I notified LoanCare Servicing, and provided documentation that the payment had cleared. As a side note, my mortage payment due for that month was XXXX, so I have no idea where the amount taken was coming from. On XX/XX/XXXX the mortgage payment from the correct checking account with XXXX was posted at LoanCare. Meaning duplicate payment was made. I 've attempted to have funds returned to the XXXX account since XX/XX/XXXX, have called 5 times, XX/XX/XXXX, XX/XX/XXXX - at which point the issue was 'escalated ' by them, XX/XX/XXXX - at which point I was told I had n't given enough time after escalation on the XXXX and the first week I had already given them did n't count, XX/XX/XXXX - at which point I was told that I should expect the funds returned by XX/XX/XXXX, XX/XX/XXXX - where I was told they did n't know why it had n't been done yet, but that they would 'priority escalate ' and it would be looked at in a couple hours, and again on XX/XX/XXXX - to be told that I would need to wait an additional 48 hours for the 'priority escalation ' to be looked at, and they were n't sure why I was told it would be a few hours. It 's become clear that 'escalation ' is just a tactic to buy additional time and get me off the phone, and they have no intention of returning the funds removed without my permission. I filed a case through XXXX bank on XX/XX/XXXX, to try to recoup the funds that way. Additionally I have received no correspondence at all on this issue from LoanCare, the only communication has been initiated by me. I have spoken with the following LoanCare representatives ; they provide their agent # s at the beginning of calls : XXXX.
I've been with this thieving company since 2013. Bad credit and a BK forced me to take their unconscionable terms for a car. The rate is abhorrent - they have only credited {$3500.00} of a {$16000.00} balance in 5 years. These people are vampires. I'm not even a month late and now they're back to the threatening tactics. I want this company to lose their license to make auto loans. They prey on people. It's disgusting.
I received an education award from XXXX onXX/XX/XXXX. That was then sent to XXXX XXXX XXXX on XX/XX/XXXX for {$2300.00} and XXXX/XXXX/XXXX for the amount of {$2300.00}. Contacted XXXX XXXX and they have no record of the payment sent to them.
I got an email from my credit card company about an alert. I checked my XXXX XXXX   and it shows I have a bill in collections that does not belong to me. It's for the amount of {$290.00} dollars that it claims I owe to XXXX XXXX XXXX and that the creditor 's information is Midwest Recovery Systems, LLC. I've been researching because I'm so frustrated and don't know what to do that I came across Midwest Recovery Systems as being a fraud company! I do not need this company ruining my credit and trying to steal money from me. I never got a letter in the mail, or a phone call, it just showed up on my credit karma. I don't even live in XXXX nor have I ever been in an ambulance before! MIDWEST RECOVERY SYSTEMS is a fraudulent company and needs to be stopped! This is the information XXXX XXXX shows : Opened Unknown Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX ( XXXX ) XXXX
My loan was recently transferred from XXXX XXXX XXXX to Rushmore Loan Management about a year ago. During that time XXXX sent me a letter that my loan was being transferred to Rushmore and the only thing I was instructed to do was submit my payments to Rushmore home loans, which I did. I received my statements for the first six months and made my payments on time. Shortly after I stop receiving my statements from Rushmore Loan Management. I called to notify Rushmore in regards to not receiving my mortgage statements, in which I 'm entitled. I spoke to a manager and notified him that I was not receiving my statements. The manager informed me that I was in a chapter XXXX bankruptcy, which was discharged XXXX years ago. I then asked the manager how I could start receiving my mortgage statements again in order to submit my payments in a timely manner, also, to have for my personal records. The manager told me to write a letter to give permission to Rushmore to send me my statements, which I did diligently. In addition, I attached my payment for XXXX XXXX. Rushmore sent me a letter in return that they received the letter I sent and payment, and told me they would get back to me in 30 days. Today XXXX/XXXX/XXXX I received a response in lieu of my request indicating that they are not able to send me my statements due to my Chapter XXXX bankruptcy. After my conversation today with another manager, they refused to send me my statements regardless of any legal documents and or receipts I send them. As a consumer I am entitled to receive my statements when submitting money to any company.
On  XXXX   XXXX  I received a call on my cell phone and spoke with someone from the company o f RS Clark and Associates. I told th e lady that I am not familiar with their company and have no knowledge of why she would be call. I advised that they do not have consent to contact me in the future and to cease any phone calls. On  XXXX   XXXX  I received yet another phone call from said company with a voice mail being left. This is a direct violation of my rights under the CFPB guidelines and also the FDCPA.
On XX/XX/XXXX my credit score with Equifax was XXXX and today it is XXXX. On XX/XX/XXXX it dramatically dropped to XXXX and since it has dropped all the way to XXXX. I have not had any negative remarks added to my credit file during this time. I do not owe anyone any monies since this date or even before. I do not have a clue what they are doing but it seems like their business model and whatever they use for a standard is not being compliant nor it is even consistent with the two other major reporting companies. I find this odd as I have never in my life ever had a loan of any kind, nor have I ever opened any type of credit. There is no reason for my credit score to drop like this, if anything it should have gone up. I have contatced them and they will not give me any explanation as to why this is happening. It is bad enough that these services are used to prey on people and in all reality are not even close to judging a persons characher period.
Been trying to get " Account in Dispute '' removed from my credit report for more than six months with no luck
Someone continuously calls my home and family members about a bogus payday loan. They are threatening me with sapena and legal threats. In XX/XX/XXXX or XX/XX/XXXX I did take out a payday loan but I do n't remember the name of the payday loan that I used. The people who called me lead me to believe that they were representing the payday loan that I supposedly used. I asked them to send me documentation stating in writing that I owe them money. They said they would send me an email pertaining to the outstanding payday loan.Due to the scare tactic of them threatening to come to my job and constantly calling my family and me numerous times. I set up a payment arrangement. As I was giving them my information they said they can only take credit cards or debit card prepayments. And so I agreed but once I got off the phone with these scammers I looked up their company name that they gave to me over the phone and the internet revealed that the company is not to be trusted. They are scammers. I have 4 prepayments set up starting on XX/XX/XXXX. I am unable to cancel the payment arrangements and /or prevent them from using my debit card or personal information.
Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # XXXX
In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?
amex is refusing to honor veterans because XXXX wont do it and is conning people by the hundredfold. XXXX refuses to accept MIL ID, SSN, ACTIVE DL, PASSPORT INFO etc as valid us citizenship documentation and refuses to sync thier online info. 

bc of thier wreckless actions I am unable to open several thousand dollars worth of SECURED credit. 

I pay my bills have been slandered by others. I want an AMEX bc THEY issue and can replace the card, no nonsence XXXX. 

there is no other way to contact amex unless your a member or a XXXX robot. this is growing trend and is illegal. furthermore I demand thier fax info to prove my citizenship, which is more than XXXX will do.
I received a letter to apply for a loan with their company. I uploaded all requested verifications and was denied. However, the only reason for the denial was " unable to verify application based on documents you provided. '' I called ( XXXX ) to see what could not be verified, and the lady I spoke to stated she could only tell me the same thing my " Notice of Adverse Action '' stated.
I need assistance disputing a debt with Capio Partners in the amount of {$1700.00}. I have never obtained services that would result in the mentioned debt. This account has to be a instance of identity theft. 

Please advise!
On the morning of XX/XX/XXXX, noticed an {$87.00} charge. My payroll check was deposited at XXXX. At XXXX XXXX, the funds were withdrawn from my account. Below is the message received to my email. ( {$360.00} available after {$87.00} purchase at XXXX XXXX XXXX on XX/XX/XXXX XXXX CT with your NetSpend card ending in XXXX. ) I have never purchased anything from them, and it is not a recurring charge. Nonetheless, I had disputed this on the XX/XX/XXXX and was told I had a XXXX business days wait. On the day in question, I spoke with XXXX, who I asked not to block the card until I went and withdrew my paycheck from my Netspend card. When I got to the bank the card had been closed. <P/>I received my card XXXX days, only to find out that XXXX ( who took initial complaint ) never followed up and began the dispute of fraud that took place on XXXX XXXX 2017. Understand my frustration, waiting additional days for my card. I had to borrow money from family to pay bills and get gas for my car. I called and explained myself several times, and after not getting anywhere, I requested to speak with a supervisor. The customer service rep assured me I would on hold 1-5 minutes. Forty-two minutes later, CJ a supervisor gets on the phone and apologizes for the delay. <P/>In the interim, I called from my daughters phone, after waiting 35 minutes on my phone to see how soon I would get a supervisor. I waited less than 15 minutes. I spoke with XXXX, who I explained my frustration with XXXX and the other customer service rep by the name of XXXX or XXXX, but I can recall he had me on hold for forty-two minutes! Finally, got XXXX who was cooperative, and listened to my frustration of having to wait that amount of time, but when I was informed I had an additional XXXX MORE DAYS to wait for my monies, I was more upset and asked if it can be expedited since XXXX did not follow through from the first day it was reported! Was informed a {$25.00} shipping would need to be paid. I opted out. On XXXX XXXX, 2017 I received an email on Netspend site to my account, stating " based on the information we had and the facts of our investigation, we do not find that an error has occurred, no funds will be credited to your acccount as a result of this claim, and this matter is considered closed. '' Also offers any documents that were utilized to determine decision. I requested and am still waiting. <P/>I work part time, due to my XXXX XXXX, unable to work full time. As I said, I have never received anything from this company and was not provided any proof of any order to my home. After waiting several days, I was told that after they conducted their investigation, and was not receiving any refund. I never saw any paperwork or ordered anything. I usually purchase at a vitamin store or XXXX. <P/>Thank you for your attention to this matter. <P/>Sincerely, XXXX XXXX
Med-1Solutions, LLC is charging me for a bill that is not correct and was billed under the wrong health insurance. I do not owe a fee of {$69.00}.
I paid my XXXX XXXX XXXX ( XXXX ) bill on their website, I inadvertently used my closed Wells Fargo Checking Account. I contacted Wells Fargo on XX/XX/XXXX at XXXX XXXX  ( PST ) and spoke to customer service, I think his name has XXXX. I told him what I did, the amount, the date, payer, verified the old account number and he put me on hold came back after speaking to his supervisor not to worry about it, when the check came in it would cross over to my new checking account and get paid. I asked again and he said do not worry about it, it will be alright. It will be paid. Now with this information from Wells Fargo I though I was covered, I do not need to submit a corrected payment the XXXX, Wells Fargo has it covered. NOT SO. I received a letter from XXXX dated XX/XX/XXXX stating my check was returned by the bank and a {$7.00} returned check fee has been charged to my account. I had to pay {$150.00} to avoid going to collection. I now have a check restriction on my account for the next six months. I called Wells Fargo when I received the letter on XX/XX/XXXX and a case was opened with Case Management. Case Management told me that they would listen to the conversation on XX/XX/XXXX. I called Case Management back on XX/XX/XXXX spoke with XXXX XXXX who told me they would give me the {$7.00} back and that is it, this does not cover the additional charge XXXX is going to charge me for paying my bill late. I'm waiting for my next bill. She refused to let me speak to her boss XXXX XXXX and refused to give me the directors name. We went around and around about a letter, and in my situation they do not have a form letter available, I told her then they need to write up a letter for my situation. She kept referring back that I wanted Wells Fargo to take the blame for the entire issue and I told her no, I know I made the initial error, but I called Wells Fargo and was told that Wells Fargo would take care of paying the check. I relied on what Wells Fargo told me. Then she hung up on me.
I have an account that was a recent balance change date it has always been {$0.00} as of XX/XX/XXXX. IT has now been changed to {$0.00} as of XX/XX/XXXX. This change goes along with my discharge date of XX/XX/XXXX as to what Experian has told me. But what they cant understand that this has made me take a big hit on credit score as that it makes the account look as if it was just {$0.00} as of XX/XX/XXXX. This account has always been {$0.00} ever since XX/XX/XXXX since I filed bankruptcy as to the original company XXXX XXXX sold the account and never filed a claim it was XXXX out. I can understand under Status it showing discharged as of XX/XX/XXXX but not a change of date under Recent Balance. FOR this change has made the account look as if I owed a balance before XX/XX/XXXX and looks as if I owed money that I did n't owe, Experian refuses to change the date back or delete account.
From the duration of my loan it appears I have had my consumer rights denied. At the formation being promised a lower rate, then getting a rate almost two percent higher. There was also the fact the lender 's attorney was also the title insurance agent. While, even now I have learned about the right to rescind forms that never were given to me. As the loan progressed with the servicer PHH there were countless payments that seem to have went accounted for, higher payments than were stated at the beginning, and a seemly vast array of stipulations that came with payments being claimed. During the years 0f 2008 I lost my employment and struggled like many other Americans. I had attempting modifications from the beginning of my financial hardships and admittedly have went into foreclosure and bankruptcy. Currently, I am in foreclosure once again, yet honestly I have learned that the violation of regulations and law that my servicer appears to be violating is almost unbelievable. I begin my dream of home ownership with a XXXX fixed rate loan that through modification has become over XXXX dollar loan. I have figured it out through pay stubs, bank withdraws, and other written documentation that I have paid over XXXX plus dollars over the last 9 years on the loan ; however, in foreclosure now they are claiming the full XXXX. My family and I have paid numerous payments at a time and spent hours trying to handle our obligations ; still all the while meeting the sometimes ridiculous requests of our mortgage servicer. Due to the rural county in which I live legal assistance that is afforded many in my state of Illinois is not obtaining for me. I decided due to the servicer never seemly to work with me, even endorsing my money orders then sending them back after they already begun foreclosure ( Done this more than once ), that without supervised modification assistance it will be a moot point.