WillisBack/dataset-financial-user-claim huggingface dataset:
To XXXX county collections, I found the information you asked me for. Complaint # XXXX. I 'm sending you evidence to. At the time I was staying at my son 's house in XXXX until I got my social security for being XXXX.we finally saved money to get our own place in XXXX, and in XXXX XXXX I was in the XXXX hospital getting the therapy I needed to be a little more self sufficient, I was an XXXX XXXX for about two months in XXXX XXXX , ca. TransUnion as well.
I made a purchase in XXXX 2015 at Kay Jewelers using my Kay 's credit card. They typically have promotions on large purchases so I asked about the promotions that were available to me for this large purchase. The manager advised that they had the regular 12 months with 0 % interest putting 20 % and they had the 24 month term at 2.09 %. I accepted the 24 month term since 2.09 % is a low rate. The manager agreed that the 24 month was better at a " low rate of 2.09 % '' and even better, I did n't have to make my first payment until XX/XX/XXXX. I asked if I had to give a down payment as I usually do and he said it was n't necessary. When XX/XX/XXXX came around, I logged into my account to check how much the payment was so that I can send the payment. The website said the minimum payment was {$290.00} so I proceeded to send the payment. I have made 4 payments since then but this last time, I was curious as to why my balance was {$5000.00} if my initial purchase was {$5800.00} and I had made {$1200.00} in payments. I logged in online and looked at my last time and to my surprise I was being charged over {$100.00} in interest each month. I quickly called customer service for clarification. The representative verified that I was on the standard 24 month term " at a low 24.99 % ''. I told her that I was told 2.09 % and she quickly responded that it IS 2.09 % a month. I told her that I felt deceived when I was told 2.09 % because interest rates on credit cards are supposed to be disclosed as APR. She said there was nothing they could do. She advised that they could make an exception and if I was willing to put the 20 % down they would give me 0 % and what was left if I were to have done the 12 month term to begin with and that my monthly payment would go up to over {$500.00}. I feel as though they deceived me into thinking that the 2.09 % was the annual rate so I would be comfortable with the payments on a larger purchase than what I initially wanted to make. Had they disclosed the rate properly as 24.99 % APR I would have been able to make a more appropriate decision or made a smaller purchase that would appropriately fit my budget. Now, since I can no longer return the item, I either have to pay over {$2000.00} of interest over the 24 month term or switch to the 12 months and not only have to pay the 20 % which is {$1000.00} and have my monthly payments go over {$500.00}. I feel that their practices are unfair and deceptive to consumers and that they should correct this immediately. I do n't know who in the right mind would say that 24.99 % is a low rate. I believe that they should honor the 2.09 % as the APR since they deceitfully lead me to believe that they were quoting the APR as ALL lenders disclose credit card rates using APR.
XXXX mortgage has assessed me $ XXXX. for 36 months for an " escrow deficit '' which was arrived at by an error of calculation in their annual escrow analysis. I addressed several letters to XXXX explaining my position and submitted my complaint all the way through XXXX 's consumer ombudsman, which affirmed the company 's position. I do not believe anyone at XXXX ever actually read my complaints or did anything besides sending me form letters which ignored my specific contentions and repeated the same mistaken conclusion again and again. This mistake occurred because XXXX subtracted payment for hazard insurance twice in 2015 -- once for ACTUAL payment, then again for " projected payment. '' It is the second, erroneous deduction for " projected payment '' for hazard insurance, made after the payment had already been made, which put me in this mistaken " escrow deficit '' XXXX claims now exists. After several correspondences with XXXX, it sold my loan to CHASE and after making my same complaint to CHASE, it also affirmed XXXX 's contention. I do not believe that either company has actually read anything I have sent, much less addressed my specific contentions and justified their position in ordinary terms. All they have is sent conclusory letters saying I am wrong, and that they are correct. It seems obvious that the only reason there is any " escrow deficit '' is due to an error of arithmetic/accounting in XXXX 's escrow analysis.
Hello, I am making a complaint against " XXXX XXXX XXXX d/b/a Mr Cooper ''. Starting XX/XX/2018, this mortgage company bought my loan from my previous mortgage company. During my length of mortgage with my previous loan servicer, I always paid through the telephone auto pay system without incurring any pay by phone charges, as I prefer this method, for security reasons, and do not wish to use the internet pay option. I have other bills like, electric, auto loan, cable provider, and others who do not charge any fee for using the telephone auto payment system. However, this new mortgage company XXXX XXXX XXXX d/b/a Mr Cooper charges a {$14.00} to {$19.00} fee to the customer which I find very troubling and possibly a breach of contract. They claim, they use a third party for the telephone pay service. I told them whether they use a third party or not, it is not the customers responsibility to pay any fees associated with using the pay by phone system should the customer elect to use this system. I wrote two letters to them requesting them to change their policy where customers should not be charged any fee for using the pay by phone system. I consider this corruption and extortion. The customer has a right to use the pay by phone free of charge. Furthermore, I told them, I did not request my mortgage to be bought/transferred. Since they bought my loan, then they are obligated to provide equal or better service as the previous loan servicer. Charging the customer the pay by phone service is definitely not better service. This company needs to be investigated for wrong doing and they should correct the pay by phone policy as mentioned above. Thank You
these company is trying to collect a debt that is 12 years old. It was a lease return in XXXX to XXXX XXXX. They sent me a bill I refused to pay. XXXX charge it off as a profit and loss for tax purpose. This was well past statue of limitation I filed Chapter XXXX in XXXX XXXX and XXXX was part of the creditors matrix. They agreed to 28 % of balance in the Chapter XXXX and accepted payments. I dismissed the XXXX in XXXX XXXX and over two years now they have forwarded my account the this firm to collect the balance that is inflated. They have no legal recourse it is 15 years old just scam artist trying to XXXX mw. I sent them Cease and Desist and asked them to never contact me again. Really XXXX should concern them self with the destruction on innocent people on the XXXX airbag issue.
I have contacted XXXX XXXX numerous times to explain this debt does not belong to me. Unfortunately, I do not have all the exact times and dates that I have contacted them. 

I have requested the original signing contract for this debt and all they send me is a bill with my name and account information. They have stated they are not obligated to prove anything to me. 

I have also spoken to several representatives that have stated unless I go get a police report they were going to report this debit to the credit bureaus as well sue me in court. 

I had to send a seize and desist letter to them to stop harassing me. They have also called on my work phone number at all times of the day and night. They have continually harassed me even though this debt does not belong to me. 

The original creditor XXXX XXXX XXXX states I have to communicate with this agency, because they have written the debt off and its no longer their problem. 

Please, assist me with proving this debt does not belong to me.
I received a toll bill from New York MTA XXXX XXXX for a toll dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received a notice from the MTA that the XXXX $ toll was due and there was a {$5.00} late fee also due. I submitted payment for {$8.00} on XX/XX/XXXX.This check was received and processed by the MTA on XXXX/XXXX/XXXX and posted to my checking account on XXXX/XXXX/XXXX. The MTA did not apply the payment to my account and now says I owe {$53.00}. I have submitted documentation to both TransWorld Systems Inc and the MTA several times, and they have confirmed I sent them proof of payment on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I have contacted customer services at least 3x/week since XX/XX/XXXX, and customer service has transferred be endlessly between violations dept, collections, and tolls.Between TSI and the MTA, they have not been able to get organized and close out this debt. I am told something different each I call, and that it could take an additional 3, 5, or 7 business daystime, but no resolution seems near as this has been ongoing for over a month. 

I am applying for admission to the NY Bar, and the Bar has requested a final disposition as part of the application process. As this request is still pending at TSI and the MTA, I can not give the NY Bar what it is asking for.
I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me.
On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.
XX/XX/XXXX I received the attached latter in the mail from Debt Recovery solutions stating Pendrick Capital Partners ( " PENDRICK '' ) has purchased an account with my name on it. This is a serious  matter because I was a victim of identity theft. And Pendricks has attempted to report false information on my credit report for some time now., Each time they are removed by all Major Consumer Reporting Agencies or By Pendricks XXXX because they are not mine. 

Also I want notify you of the history of the account numbers and amounts owed keep changing in order to re-insert of my credit report. 

This is a serious matter. 

The attached letter says I have the right to request a copy of the contract or other documents evidencing an agreement of debt. I need to see these to notify the bureaus of more identity theft by Pendricks ' or some other person out there claiming to be me Attached is a copy of the notice I received dated XX/XX/2019. 

I have responded within 30 days of the date. Please send all documents showing that this debt belongs to me. I have kept all copies of certified letters from the past I have had with Pendricks ' and their data furnishing affiliates or partners. This debt is an attempt to reinsert a debt that does not belong to me.. As Pendricks ' already know my father passed away and we had the same name. this is all well documented. 

I also called the XXXX hospital in XXXX where this supposedly took place. they said do to HIIPPA they were unable to share any information with me. there are XXXX XXXX 's in the system but there are not any that match my description.,
Credit reporting agencies reluctancy to remove negative reports from my credit report, these items were paid in full, and yet the Experian shows these items as charge-offs. I have attached supporting documentation as proof of payment.
XXXX claims that we had signed a 12 month contract for their services. XXXX claims that we own them {$170.00} of a service contract. We never signed a contract and were in a month-to-month agreement. We asked them to provide proof that we signed a contract and they were unable or unwilling to do so. We refused to pay the {$170.00} as we are not responsible for a contract that we never signed.
XXXX sent the {$170.00} amount to a collections agency named Stellar Recovery, Inc. ( XXXX ). We called today to inform them that the amount was in dispute and that we do n't recognize them as the holders of the debt. We asked Stellar Recovery , Inc. to remove the item from our credit report until they were able to prove that we were responsible for it. Stellar Recovery refused.
It is unfair and abusive for this matter to negatively affect our credit when neither XXXX nor Stellar Recovery has been able to provide evidence that we own them money.
Recently I began to be harassed via text messages by this compa ny. Car Cash of Lawrenceville.  Located in  XXXX  GA.   XXXX   XXXX   accepted my payment agreement for this months payment and because I asked to please stop texting me at work, she began to get nasty and advised that I must pay the corporate office not only this months payment that is due  XXXX   XXXX     XXXX    but also next month 's payment due on  XXXX   XXXX   XXXX  immediately. She is being spiteful and threatening a warrant for my arrest and says if I do not bring the car in immediately they will reposess it. I am not 30 days late. My due date is  XXXX   XXXX   XXXX  and I advised  XXXX  that I would pay that before the end of the month which she said was actually ok to pay by the middle of  XXXX . I have attached the text messages and her latest email to me advising that I owe more fees and money than my knowledge. She and  XXXX  who also calls herself  XXXX  on my voicemail have told me they will not accept my monthly payment without  XXXX  's included. I never signed paperwork that I must pay a payment month in advance. I am paying my responsibility to them and because I did not give her exact dates on the spot and asked her to please stop texting me during work hours, she now is angry and demanded full payment or my vehicle!! I have been paying this title loan since  XXXX    XXXX   and even if I was late with any payments   XXXX   advised me that it was ok as long as I communicated that with her and the next date that I can pay. Now I am afraid for my life and my children 's as these people are threatening my safety and saying that I have to go to court in order to keep my car,,, but for what?? I am within a week of my due date and they say they will not accept it. I also did not sign paperwork in my initial ; contract that they can reject a payment without reason whenever they choose. Please Help!!!
I have repeatedly requested that American Capital Enterprises provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
The bank is refusing to follow the procedures outlined by the Federal Govt in how to deal with unauthorized purchases, specifically where a refund/credit was supposed to be received but was not yet received. They indicated they are not required to open a dispute without documentation in writing stating that I am due refund or credit. I explained that it was a phone call where an account was cancelled and i was told they refund would be processed to my account in 5-7 days that has been almost two months. To appease them I explained that if requested after the dispute is open or challenged by the merchant that I would get documentation however the responsibilty is for the dispute to be opened. She refused and said until I have the documentation that she would not open the dispute to which I responded that I couldnt even send the documentation until the dispute is opened and she responded well I know you dont have the documentation so until you do I wont even open the dispute. I referenced to her Sec 205.11 of Reg E iii. The omission of an electronic fund transfer from a periodic statement Generally this one will apply to a missing credit to an account. If the case of a debit card transaction, if the merchant promised a credit or refund and failed to provide it, it is a Reg E error. If the merchant did not make such promised, but the customer feels they are entitled to one, it is a merchant dispute. The rep indicated they are not required to follow those guidelines ... I think BMO needs a update on Fed guidelines when it pertains to Reg E too many banks think they can make up rules and do their own thing. The rep I spoke with : XXXX XXXX XXXX  XXXX XXXX, XXXX. This needs to be addressed!
My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing
I have looked at my credit score and XXXX and XXXX have hard inquiries on my credit file from XXXX 2017 until XXXX 2017 that I do not recognize and I have called to get them off and they have given me the run around. And I am upset and tired of dealing with the issues they are causing for me. I want every hard/soft inquiry off my credit report. Its there fault and they need to fix it ASAP. Thanks for your help
I have attached a copy of the Consumer Financial Protection Bureau order of 2015 pertaining to the collection process on medical debts. This federal agency has levied millions in penalties against several medical collection agencies for abusive collection practices since the 2015 mandate that consumers must be granted 180 days-notice that any or all medical debts can not be posted against a consumers credit report. What this entails is that I as an American consumer needs time to either settle a medical collection before said collection gets posted on my credit report, or that my medical insurance carrier had enough time to resolve the collection either in full or by any sustained factoring agreement in place with the medical servicer, be it a physician, clinic, ambulance service or hospital. That has not been the case in the attached medical collection ( s ) posted on XXXX, XXXX and XXXX XXXX respectfully. Since the 2015 agreement between the Consumer Financial Protection Bureau and all three credit reporting agencies, medical collection agencies have violated this agreement in its entirety. Having established that there is a specified procedure in place on medical collection postings on a consumers credit, it is a fact that most if not all medical collectors are in violation of their subscriber agreement with the major credit reporting agencies. Since my rights have already been violated by the collection agency stated in this complaint, the collection should be VOID completely. I am not disputing any factual conclusion if I was even given medical attention, just stating that my personal credit history has been damaged by an unlawful collection practice. I should be entitled to damages for the overall cost involved with what would otherwise be a perfect credit history. Accordingly, I respectfully request for the disputed medical collection ( s ) to be deleted permanently, and if this particular collection agencies needs a remedy for collection, it has abused the credit reporting system by violating my rights. In my opinion the only recourse at this time would be moving forward through other collection processes outside of the Fair Credit Reporting Act. The disputed collection must be deleted permanently, and the Consumer Financial Protection Bureau must sanction and fine the agency for its abusive actions. The credit reporting agencies should also terminate the subscriber agreement if place. My dispute is based on material facts and current policies on medical collections. The attached disputed collection ( s ) should be deleted permanently without any right to reinsert from this point forward.
Have 3 complaints.1. I was behind on my mortgage so I called on XX/XX/XXXX for a restatement amount. I was told that the reinstatement amount had to be requested from the foreclosure attorney and it would take 4 days to receive an answer. I waited until XX/XX/XXXX and called Nationstar/Mr. Cooper back their representative told me the new reinstatement amount was not ready due to The XXXX XXXX XXXX XXXX Holiday and for me to call back the next day. I called back on XX/XX/XXXX and their representative told me my reinstatement amount was {$10000.00}. I immediately wired the amount I was told. I called back on XX/XX/XXXX and confirmed Nationstar/Mr. Cooper had received payment and confirmed for the second time my mortgage was paid until XX/XX/XXXX. On XX/XX/XXXX I received a call from the automated system that my mortgage was due. On Saturday, XX/XX/XXXX I spoke to another representative who told me that she would have a manager call me back after they reviewed the two previous calls on Monday XX/XX/XXXX. After not getting a callback ; I called again on Wednesday XX/XX/XXXX a third representative confirmed that I was paid through XX/XX/XXXX. I asked to speak to a manager and  request a confirmation letter that I was paid through XX/XX/XXXX. He asked if he could call me back in hour and half a week ago. Today is XX/XX/XXXX.
I am being solicited for payment of a loan taken out online as of XXXX/XXXX/2011 per the Debt Collector First Recovery Remediation. I did not take any loans from online. I have requested information on said debt and they stated they have sent me information. I have not received any information on this. And, I continue to reiterate this is not my debt. I do not know what to do and they state they will take legal action.
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, XXXX, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX XXXX tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, XXXX, called her stepson and told him fraud charges were being filed against me in XXXX XXXX. 
I called XXXX again and asked that they not contact anyone else because they have by mailing address and phone number.