WillisBack/dataset-financial-user-claim huggingface dataset:
I have had my account for sometime with Conn 's and have never been late except for the XXXX time the insurance paid late while I was off on XXXX. I paid extra for the replacement insurance on the computer we purchased. We brought the computer in to the Conn 's XXXX where we purchased it in XXXX because the lid hinge was not closing correctly and the battery would not stay charged at all it had to be plugged in all the time. My son is home schooled and that is the computer he used every day for his on line school and it worked fine. They had me sign a paper stating that if the hard drive had to be worked on he would loose all his information. I wrote on the paper that there is nothing wrong with the functioning of the computer just the battery and hinge. Well guess what they called us XXXX months later to let us know that the hard drive was bad and that they gave us credit at the store to get another computer. Surprise!!! Surprise!!! like we did n't see that coming. so we go to the store and spent XXXX hours there waiting for them to find a computer in that price range ... ..surprise # XXXX they do n't have XXXX and will not be getting any in that price range, but they can sure help us out by increasing our credit and letting us purchase a more expensive computer ... ..like we did n't see this coming either. We paid almost XXXX for replacement insurance but yet the computer to this day has not been replaced. We continued to make our payments on time for XXXX months with no computer. I had made XXXX trips to the XXXX store but no replacement unless I want to pay another down payment and increase my amount paid per month. This is not good business and I refuse to pay any longer on this account since Conn 's is not making good on the replacement. This is just a scam to get me to spend more money and have larger payments and I can not afford to do that, nor is that the RIGHT thing to do. Conn 's collected almost XXXX for replacement insurance plus over XXXX for the computer that we now do not have and they are still calling me asking me to pay the remainder of XXXX off for the finance charges. I am not doing business with this Scam of a company anymore. XXXX XXXX
This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.
Debt was paid by garnishment XX/XX/2018-XX/XX/2018, total amount garnished was {$1900.00}. Original garnishment to XXXX XXXX, resulting from XXXX District Court Case. 
I have received a second notification from XXXX that they are garnishing me further for {$1600.00} under a new XXXX District Court number. I have never received any notification of a second court case, or a secondary judgement relating to this debt. 
The amounts garnished under each order are the same amounts - {$1600.00}. 
I want relief from this action. CFPB needs to stop predatory debt collection and end consumer 's double-jeopardy in settling financial matters. One garnishment was too much for this small matter of an expired debt Calls to this company unsuccessful as neither number published was in service.
Wells Fargo is set to close my long-standing joint checking account on X/XX/17 with a letter sent in early XXXX that unfortunately, tells me nothing as to why. Contacted customer service three times, everyone refuses to tell me anything regardless of how high up the ladder I go. On XXXX it was prematurely closed with ~ {$5000.00} inside, luckily I was able to get in touch with executive relations to pull out the money. When I went to a branch to discuss this with a banker, I was told by WF 's own banker that I should sue in court to get answers. Extraordinarily unprofessional, and I want it reopened and/or an explanation ( one that is n't a canned response ) as to why it was closed. Primary checking account # ended in XXXX.
A debt collection agancy has been calling my personal cellphone for months. When the started calling my phone no one would answer. The would hand up without saying anything. the they started askin for Person named XXXX. I am not this person, please stop calli my personal cellphone I said. the said the woild not. then a different phone # from same city started calling me again. I want them to stop bothering me by asking for this XXXX person.
On XX/XX/2018, my checking account balance was {$330.00}. I then made a purchase for {$240.00}, leaving a balance of {$89.00}. The next day Wells Fargo charged me a {$35.00} overdraft fee for my transaction of {$240.00}, even though there was {$89.00} still in my account!! Wells Fargo only partially refunded my overdraft fee.
On XXXX XXXX there was a total of XXXX unauthorized transactions on my account XXXX from XXXX and two from bed bath and beyond this day I was working at XXXX XXXX I called immediately after my card got declined and an error was made in my claim stating XXXX transactions were unauthorized which makes my claim inaccurate two days after filling the claim I get an email stating my cliam has  been resolved and that the transactions were VALID because I logged in to my account the on XXXX XXXX XXXX XXXX and XXXX but the TRANSACTIONS I WAS CLAIMING WERE DONE ON THE XXXX now they are refusing to open my claim even though I informed them of the error all they tell me is I have to provide proof to be abe to re open the claim but when I ask if my schedule is suuficent the rep says whatever I think is evidence is enough but then refuses to actually re open the claim saying I need to send in evidence showing I wasnt there on that day I asked if my schedule was enough again this time she said no because I would have to prove I was actually there and that it was my job to monitor my account. I have never wasted this much money at a store before especially not XXXX or bed bath & beyond and i never got a alert to my phone to authorize the transactions the card that was being used was not even mine because my card has a chip on it whoever copied my card had to of copied the back side of my card and cloned my card because I was working that day XXXX never intended for the rep to add XXXX extra transactions that were authorized which in turn got my claim denied
Because of a data breach at Equifax, I was sent a letter last fall letting me know that my personal information was compromised and that I was being offered XXXX  XXXX to monitor my credit information. I went online to do the registration prior to the XX/XX/XXXX deadline. Now I am being told that I never registered in time and I am not eligible for services.
XX/XX/XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed one ( 1 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by Tower Loan on XX/XX/XXXX and I have in no way cooperated in any business with Tower Loan LLC.

I contacted Tower Loan LLC, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.

Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. As my account wit this company has been closed since XXXX and is listed as follows Remarks : >UNPAID BALANCE CHARGED OFF< Estimated month and year that this item will be removed : XX/XX/XXXX TOWER LOAN XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX
I have an auto loan with Ally Financial and I got behind on my payment, but never by more that 30-days, but still outside of the 15-day grace period. Most months I receive automatic calls from Ally regard my account, but no one is on the phone when I pickup. I complained about this issue for several months. However, each time I inform Ally collections or customer service staff of the problem and tell them to notate my account with the fact that I have made this compliant, the next time I call no note is added to my account and nothing is done. I asked the customer service person that took my last complaint on XXXX XXXX, 2016 at XXXX what would be done regarding this complaint. She stated that she would just note it in my account. I asked to speak with the manager and XXXX, manager of collections, stated that this is what happens when the automatic caller calls someone. I asked what would be done to ensure that when the automatic caller calls a borrowers there is someone there to respond. XXXX, manager of collections, simple stated that he would note the account, he did not seem to care. Finally after I pressed him about the issue he stated that he would notify the automatic dialer team. This is my fifth month calling regarding this issue and I have yet to hear of a resolution.
I purchased a XXXX with a no interest promotion through Synchrony bank XXXX/XXXX/XXXX. My regular payment is {$160.00}. I made {$200.00} payments on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I was just told I can not pay ahead. I have to make a payment once a month before the XXXX of the month. I also can not set it up for autopay. 
They want me to physically go in and pay it because if I miss it, they go back and charge me interest on the ENTIRE AMOUNT from day XXXX! There is also no grace period days. 
Something is SERIOUSLY wrong with this company being able to get away with that. 

The entire time I 've been thinking I 'm a month ahead!
This began in early  XXXX  when I tried to open an account on Social Security dot gov. After entering my name, address,  DOB  and SS #, I was taken to a screen to verify my identity. EACH question asked about something that did not apply to me -- i.e., to verify a past address where none were correct, to verify a car loan or lease when I have NEVER had a car loan ( with the next question asking how much my monthly payment w as ), to ve rify a mortgage with a company I 've never dealt with ( and a corresponding question about the monthly amount of loan ). When ALL questions were answered " None of the above, '' the system locked me out.  After two days of  trying to contact someone at SS, I was able to speak with someone who said their security screening comes from a " credit reporting bureau in  XXXX . '' They suggested I get a free credit report from all  XXXX  credit bureaus and I did. Both  XXXX  and  XXXX  were no problem -- their security questions were all accurate and I received my credit reports online with no problem. Equifax, however, asked ALL false questions. Each  one (   as above ) asked questions that did NOT pertain to me and it locked me out. Equifax is located in  XXXX . After days of trying to find a human to speak with, I was told that they could not " verify '' my identity ( all false questions agai n ) and s aid they would mail me a credit report. When I receive it, there was a false alias -- my correct name, but spelled wrong --  and two fal se addresses. They  did ( apparently )  successfully remove the wrong name, confirming over the phone that the person reported did NOT match my ss # o r DOB. After MULTIPLE  promises that they have deleted th he two false addresses, they are STILL showing up on my report. ( I have THREE disp utes now that each say they have removed these addresses! ) I STILL  get four f alse security questions every time I try to get an Equifax report and get locked out every time. I STILL CA N'T OPEN A SOCIAL SECURITY DO T GOV ACC OUNT because Equifax is feeding them the wrong background information about me! HELP!!! This has been going on for WELL over a month and the man I finally spoke with today (  XXXX   )  was extremely rude, saying that I was obviously told the addresses were removed in error and implied that the only reason they 'd still be on my account would be if a debtor had CONFIRMED that these addresses in fact belong to me! He said that he would have my complaint sent to the fraud department, where it can take up to a MONTH to get resolved!! I have spent HOURS and HOURS trying to work with Equifax on this!
This company agreed with the cfpb to give me until XXXX XXXX, 2015 before they would pursue court action but yet aggressively does so. this is after i have paid hundreds of dollars to them and now they want to garnish me. I have offered to settle ( attached ).
In XX/XX/XXXX, my then fiance and I got a home loan from XXXX. It was a 7 year, interest only loan, with escrow for taxes, homeowners insurance. XXXX XXXX XXXX took over the loan in XX/XX/XXXX, I think. The paperwork only had my name on the loan. I brought the original court stamped documents to The mortgage department of XXXX XXXX XXXX. They refused to correct their mistake. Fast forward XX/XX/XXXX.  My fiance and I broke up. I hired an attorney because my now x who was still living in the home refused to agree to sell the home. And split the equity. We went to mediation, where, upon my moving out, I would get {$20000.00} and he would attain his own mortgage within 6 months. I had put a $ XXXX down payment on the home, but agreed to the $ XXXX just to get away from him. In XX/XX/XXXX, the loan converted to an arm. Homeowners insurance with Florida XXXX was part of escrow. Each year, from XX/XX/XXXX to  XX/XX/XXXX, the annual homeowners premium increased and XXXX XXXX XXXX never increased the escrow. I requested an annual annalysis. Instead, after they paid the shortfall for the insurance, XXXX XXXX XXXX began reporting the mortgage payments as " late ''. That continued to be reported on my credit until XX/XX/XXXX, when the home was sold by his family one year after his death. Oh yes, and 1.  They never told me he died, and 2. They stopped paying the mortgage after he died. In XX/XX/XXXX, his son paid the back mortgage. XX/XX/XXXX, the home was sold, for a profit. I received an additional $ XXXX. Here is the rub. In public records, it shows the mortgage was satisfied. In both of our names. By XXXX   XXXX XXXX. I am trying to fix this misjustice. My credit is under XXXX. 3 years of late payments on a mortgage!. My lawyer couldnt help me, except I paid two lawyers over $ XXXX to help prevent these issues. My x should have done what he aggreed to, get his own loan. He honestly could have bought the property outright. XXXX  XXXX XXXX should be responsible for this. I paid a 7 year interest only loan. Over $ XXXX. With the arm, and with the escrow agreement, they were obligated to increase my escrow so there would not be a shortfall. Please tell me what can I do.
I'm writing in reference to a Debt collector on my credit reports that is not licensed to collect in the state of Florida. I've tried reaching out to the collector via mail with no response. This company is in direct violation of Florida Consumer Collection Practices Act ( CCPA ) states the FCCPA requires all debt collectors, including those located out-of-state, to be registered with the State of Florida. Receivables Management Corp. in XXXX, SC does not have a license to collect in the state of Florida. They can not collect on a debt. Receivables Management Corp. is in direct violation. This will be my last communication I send before sending evidence to the State 's Attorney General office.
The debt for XXXX was deleted off XXXX from Procollect. I have no knowledge of this medical bill. It needs to be deleted from all XXXX credit bureaus immediately.
Wells Fargo, my Mortgage Company is forcing me to have an Escrow Account on my existing mortgage that I took out in 2004. I have n't had an escrow account since I took out the mortgage, now they say I have to have one and I have no choice. 

Now I have had a couple late payments in the past 12 months and I did pay my property taxes late, but my mortgage is current and so are my property taxes and insurance. I got less than 30 days notice that I had to have an escrow account. I called and said " no way, I do n't want one ''. They submitted my request and I got back a decline on my request due to my payment history and that my FICO score has gone down since I closed the mortgage ( in 2004 ). I personally do n't believe that either of these two reasons are justification to open an escrow account against my will. I do n't remember anything in the closing papers saying they had the right to open one against my will and force me to pay it. 

My mortgage balance is only about 30 % of the market value of the home. Then to top that off, the escrow account almost doubled my monthly payment. I think this is how they plan to steal my house since I have over $ 200K in equity. 

What are my options? I ca n't pay my mortgage with their estimated escrow amount ( which is more than double what it should be ). 
Can they force me to have an escrow account?
We were approved for a new roof & other home repairs by our insurance company. Due to the amount of the claim, the initial check had to be payable to us, the homeowners & Freedom Mortgage. When I contacted Freedom to make them aware of the claim, they provided incorrect information about the process and procedure. Now, for the past month we have submitted every required document to them ( including our endorsed check from insurance ), yet they will NOT release funds for us to pay our contractor to even schedule us or begin the work. They are holding our insurance funds hostage! We have provided them with our contract three times, the contractor 's W9, a waiver of lien, their license, as well as the insurance adjuster 's worksheet indicating all approved repairs. They are indicating that they will not release any funds until we ( the homeowners ) write them a letter accepting financial responsibility for the repairs above & beyond the amount of the check ... the insurance company is intentionally holding back {$5000.00} for residual depreciation ( which we are approved for ) to make sure the contractor completes the work as prescribed. Yet, Freedom refuses to understand basic insurance laws. We are in Florida in the middle of hurricane season & they have already delayed our repair by more than a month. At this point, they are unwilling to release any funds so we can not even schedule the repairs. They are demanding this letter from us, even though they admit that this is not a requirement per their documents or website.

Additionally, they claim IF/WHEN they release funds, they want to issue the entire amount payable to us and the contractor, yet I do not want to give a contractor thousands of dollars without them having even started the work! Freedom Mortgage is absolutely ridiculous!
I was a victim of Hurricane Florence and my card issuer was aware of this information. They have taken away a chunk of my credit and because of this I am now showing as over the limit. They have also charged me a massive amount of interest and fees knowing that I was unable to make any payments due to being out of work. I have been with this company over 3 years and it just isn't right how this has happened to me.
This company refuses to send to us any documentation or verification. They only have our name and phone number. We checked our credit reports and it seems fine. They seem to be " fishing '' for our personal information. Portfolio Recovery company.
On XX/XX/XXXX, I discovered XXXX XXXX XXXX account number xxxxxxxxxxxx XXXX had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. This account was detected to have been deleted between XX/XX/XXXX and XX/XX/XXXX from Equifax which I have proof. Also, this account was deleted by the other CRAs ( XXXX and XXXX ) as well and has not been reinserted to my credit file.
Previously disputed this collection through CFPB and through the individual credit bureaus with no luck at getting this collection removed. The previous response from this creditor was that my complaint should n't have been sent to them. They are indeed the creditor showing on my credit report trying to collect debt that is not mine/owed.
My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report.
I had a collection that I paid off XX/XX/XXXX the creditor did not report so I disputed the item XX/XX/XXXX the creditor reported however that did not report the correct info and since it was disputed once experian will not allow me to dispute it again even though it 's a completely different issue. It may seem like I 'm splitting hairs but The way it is showing on my report is unacceptable because it shows negative and could be perceived as a still open collection. The creditor did put in the notes the account is paid and closed but that also needs to reflect on the acct status because someone might not read the notes. They also failed to report the balance and the reported that I only paid {$53.00} when I paid {$60.00} the reported in XX/XX/XXXX and XX/XX/XXXX that I still owed {$21.00} and that the account is still in collection. With these issues it makes it look like the account is still in collection and that I still owe {$21.00}. The account needs to show paid and closed with a zero balance with the correct amount that I paid and when it was removed from collection
Residential Credit Solutions in Texas has been trying to foreclose on our mortgage. They have dragged this case through court for 5+ years and have refused us a trial modification. They also refuse to speak to me or my husband regarding our loan or options. They drag it out and drag it out and then tell us that our loan is delinquent for an excessive amount of months which has been out of our control. They also have lost the original note. We have a court date tomorrow and are going to ask for more time to appeal their decision, but do n't know if the judge will allow us more time. 

Also this is a VA loan and the VA has never tried to help us or counsel us!