WillisBack/dataset-financial-user-claim huggingface dataset:
I am writing to complain about three financial institutions that conspiring to remove money from our checking account. These companies are XXXX XXXX , XXXX, XXXX XXXX XXXX, and XXXX XXXX. 
In XX/XX/XXXX, we agreed to a debt reconsolidation for a credit card from XXXX XXXX. The card was in the name of XXXX XXXX XXXX. We agreed to pay {$400.00} a month to XXXX XXXX , XXXX to pay off the balance on the card. We later found out that XXXX XXXX was an intermediary of some sort because their company appears on the endorsement side of the check. This transaction was completed for the months of XXXX, XXXX, and XXXX. Unfortunately, XXXX XXXX, who was earning the majority of the money in our household, was forced to resign her position as a nurse practitioner. She started working again in XXXX. I called XXXX in early XXXX, asking them to stop the payments of the checks temporarily. We both agreed that once we were financially stable enough, we would resume payments. While there were other agents involved with these actions, the individual from XXXX who is in charge of the account is XXXX XXXX. 
On XX/XX/XXXX, we received notice of an overdraft from our checking account for {$400.00}. We discovered that XXXX began to make withdrawals from our account again. We never gave them permission to resume this action. As a result, our account over-drafted twice and we paid {$68.00} in overdraft fees. 
We have since written a letter to XXXX XXXX formerly requesting them to cease withdrawing money from our account. I sent this letter directly to their email account and as a certified letter. We have also placed a Stop Payment on all checks from XXXX XXXX XXXX.
We consider XXXX XXXX , XXXX to be primarily responsible for this issue. We are naming XXXX XXXX XXXX because they advised us to use XXXX. We also name XXXX XXXX because their name appears on the endorsement side of the check and we were not aware they were involved in any of the transactions.
I am totally and permanently XXXX and have not been able to pay off XXXX XXXX XXXX and XXXX XXXX XXXX credit card. I was XXXX XX/XX/XXXX. I was taking money out of my IRA retirement fund to pay my mortgage and credit cards. I went to credit counseling in XXXX, NC and was given advice about the letter I should write to the debt collectors. In my letter I explained that I was unable to pay because I had become totally & permanently XXXX and on Social Security XXXX. I tried to work with them after being harassed. I was not even given the opportunity to work with them on the balances. 
Next I was subpoenaed to court. They knew I was on XXXX because I also sent my Social Security XXXX Beneficial letter which showed my monthly income. Legal Aide helped with the exemption letters. Of course late fees & interest has almost doubled the balance due. I have to pay the full balance on XXXX XXXX XXXX {$6200.00} ( which is my mortgage co ) and XXXX XXXX XXXX {$4600.00}. 
I have been able to stay in my home through Short Sale and not foreclosure. Now my home has sold through Short Sale and closing was suppose to be XX/XX/XXXX. We couldn't have a closing because both banks put a lien on my home just 2 days earlier. I had to move out of my home before closing. All of my belongings such as furniture, clothes & toiletries are in storage in a different city. I can not get an apartment through HUD or Housing Authority because I have a mortgage still. The buyers were told today where we stand on closing so they've pulled out. I am living out of my car with my dog. I will also be paying more since I have an HOA of {$180.00} and {$90.00} for a storage unit and medical bills and food etc.
Hello. They are trying to charge me for 2 months of service that XXXX i did not require. XXXX XXXX  said he would XXXX our the balance. Just need confirmation.
I received a letter by mail on XXXX XXXX 2015, stating that I owed XXXX XXXX. I do n't know why it went into collections, since I was making payments to XXXX. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. Then I get a call from WWR Law firm stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from WWR law firm and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from WWR Law firm stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " wwrepay.com '' to make a payment, but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law., but This firm seems to be a little dishonest.
I paid a debt with Contract Callers in XX/XX/XXXX of {$350.00}, receiving their cheerful verbal commitment to remove the aged debt from my report, as we were approaching the seven year mark, and I paid in full without requesting settlement. 
Contract Callers did not remove the item, and continues to incorrectly report the opening date on the file. I filed a dispute with all three credit bureaus in XX/XX/XXXX In their response to the dispute, they confirmed that the opening date was XX/XX/XXXX. 
I called XXXX on XX/XX/XXXX and the representative confirmed the final bill date from the original creditor was XX/XX/XXXX. She escalated concern to their compliance office and committed to have this removed by XX/XX/XXXX. 
I called the original creditor and received documentation confirming the date of the original debt as XX/XX/XXXX. 
Contract Callers is not following through on verbal commitments, and is not researching disputes closely enough to verify the origin date. ( They acquired the collection account in 2017 and were not through enough to verify the credit dispute correctly. ) This entry on my credit report is causing me financial harm, and preventing me from getting loans or credit at rates appropriate to my credit history.
This company has contacted people whom I have never given them the number for including coworkers and old high school friends. They have called my work phone more than 5 times in a day and contacted my Human Resources ( who sent me an email ). I work for XXXX so they are continuing to harass me after through large departments who they again were never given the pone number to. I have never received a call or letter at my home so they have not attempted to call or contact me directly. They are causing XXXX on me and at this time I am not in a place to deal with more than what is already surrounding me. They are XXXX the people they are contacting ( XXXX is over XXXX years old ) and making them think there is something detrimental to my well being.
I was sold a vehice by drivetime and XXXX XXXX-upon trying to switch insurance companies I discovered that my car has a salvage title which was not disclosed to me in any of my loan documents and nor does it show in the banks system according to drivertime and XXXX  I have spent over an hour on the phone with both companies and nothing has been offered to me except for an image of my title and they told me to take the matter up with the XXXX. Drivetimes address is XXXX XXXX XXXX XXXX XXXX, XXXX, Az XXXX please help me at this point I feel powerless and they are not helping me.
I have sent a prior dispute to this collection agency. They stated they have sent bills to me which I have never received also from an account I have no knowledge of. I also researched that this company is/was collecting with an expired license cancel date was XX/XX/XXXX-2014. So on top of sending me an original contract with my signature, I need to see if Commonwealth Financial is authorized to be collecting in the state of Texas.
When paying a XXXX invoice of XXXX, I wanted to determine if I would be charged in USD before I used my XXXX XXXX card, so as to avoid foreign transaction fees. Otherwise, I would use a different credit card that does not charge such fees. I called PayPal on XXXX/XXXX/15 at XXXX Eastern Daylight Time and was repeatedly assured during a 14-minute phone call I would be charged in USD. I transacted the payment at XXXX EDT on that date. I was charged in XXXX, and XXXX XXXX added a foreign transaction fee of {$84.00}. When I called PayPal back on XXXX/XXXX/15 at XXXX EDT, I spoke to supervisor XXXX, who informed me that the only action available is to ask the merchant to refund the money. After disputing the charge with XXXX XXXX ( to no avail because this disputed the charge with the merchant directly, which is not what I need ), I attempted to communicate with PayPal again about this issue. I spoke to another representative who told me he would open an investigation and listen to the phone call in question to confirm that the conversation in question did in fact include the assurance that I would be charged in USD. He told me I would hear back in a couple of days. I never heard back, and a week later called back, and another representative told me again that they would investigate the matter, and that they saw no evidence of such a request on my profile. Again, I never heard back. I called back again on XXXX/XXXX/15 at XXXX EDT, and spoke to another representative for 15 minutes who was rather difficult and rude and stalled my request to speak to a supervisor. After I insisted to speak to a supervisor, I was put on hold for 30 minutes before hanging up and calling back at XXXX EDT, asking to speak to a supervisor immediately. I spoke to supervisor XXXX, who told me she would send a request to an office to have a payment credited to my account to offset the fee of {$84.00}, and to call back to check on the status of the request. I called back the next day, XXXX/XXXX/15 at XXXX EDT, and the response was that I would have to deal with this through XXXX XXXX, since it was a fee charged by XXXX XXXX. Of course, XXXX XXXX is in no way responsible for this issue - PayPal is, because PayPal gave me wrong information that resulted in my being charged the foreign transaction fee. After nearly a month of being forestalled and disrespected by PayPal in this matter, I decided to file a complaint with the Consumer Financial Protection Bureau.
All Credit Bureau reporting companies including XXXX, XXXX  and XXXX  are not doing the public fair service. They make up false statements about a persons ability to pay back the unsecured loans. The Banks offer all kinds of credit when you dont have anything borrowed and then squeeze the door shut and blame it on the Credit Unions. If you know anything about the Mortgage Backed Securities fraud during XX/XX/XXXX-XX/XX/XXXX Financial crisis the CREDIT AGENCIES FALSLEY RATED THESE SECURITIES. So the same thing is happening to consumers and I want an thourogh investigation into this practice. XXXX XXXX XXXX is responsible for some of my anger and have opened up an investigation of their own underwriting practices # XXXX  where I tell them that I have a $ XXXX/ month income with a current Credit Card debt with payments of approxiamately $ XXXX/ Month and when asking for a credit limit they come back with false excuses on how they can not even temporialy raise my credit limit.

This in itself is FRAUDULENT and UNETHICAL.

Please call them on my behalf.
I sold a property on XXXX/XXXX/16. The closing attorney paid the taxes that were due XXXX/XXXX/16 to the city. The attorney also sent the funds to pay off the mortgage to my lender, Wells Fargo. 
Wells did not properly credit the payoff, finally resolving the problem on XX/XX/XXXX. At first, Wells wanted to charge me interest for the late payoff, but then admitted their error and did not charge me. 
My problem is that Wells paid the property taxes due XXXX a XXXX time out of my escrow funds without ever checking \ if they had already been paid. They knew the property was being sold as we had requested a payoff for the loan. 
The city took the funds and applied it toward the next tax payment due XX/XX/XXXX. I do n't own the property any more! The money involved is over {$2000.00}. I have been asking Wells for a refund of this overpayment since XX/XX/XXXX. They have said it is the city 's job to reimburse me and have requested that the city send me the money. I say it is Wells fault and they should reimburse me and THEY can wait for the city to process the refund. If I was over 90 days last on my mortgage, Wells would be harassing me for payment, not ignoring me.
I have been receiving monthly bills by mail & and paying online ( no problem ) ; without notification they, OCWEN, changed their policy that, if I receive a paper bill by mail, I can not pay my bill online with out a $ XXXX charge. 
I called them about the issue, & they said basically, tough luck, thats our policy. 
Is this legal?
Morgan Stanley mis-reported our XXXX XXXX contributions to the XXXX, incorrectly completing XXXX forms XXXX ; causing the XXXX to review our tax return and assess a liability not actually owed to them. We discussed this with XXXX, and they said they just needed the amended XXXX 's accurately reporting the deposits and applicable tax years from Morgan Stanley, then would retract the liability and close the file. Morgan Stanley has consistently refused for months and months now to revise the forms. Eventually XXXX withheld funds from our XXXX tax refund to satisfy the improperly assessed liability. So Morgan Stanley has cost us {$10000.00}! And not to mention continuing frustration, time, energy, and more money in dealing with them.
OCC # XXXX WORKING ON RESOLUTION, XXXX WAS MY MORTGAGE HOLDER AND I PAID MY HOUSE NOTES TO XXXX. THEY RAISED MY HOUSE NOTE 100 % FORCED ME INTO FORECLOSURE BY RAISING IT FROM XXXX TO XXXX AND I PAID THEM XXXX ON MY FIRST LOAN LOAN # XXXX TO GET OUT OF FORECLOSURE BUT WOULD NOT COME DOWN FROM XXXX. THIS IS THE ONLY LOAN THAT WAS FORECLOSED ON AND LOAN XXXX WERE NEVER FORECLOSED ON. 

THE SHERIFF 'S DEED ACTION YOU SPEAK ON XX/XX/XXXX ARE FROM LOAN # XXXX. 

ON A LETTER THAT I JUST RECEIVED DATED XX/XX/XXXX YOU STATE. BELOW, YOU SAID XXXX GAVE A QUIT CLAIM DEED TO XXXX XXXX. THEN YOU SAID XXXX XXXX AND HIS DAUGHTER XXXX XXXX  PURCHASE THE PROPERTY FROM XXXX XXXX FOR XXXX IN COMPLAINT XXXX XXXX XXXX XXXX OF XXXX XXXX STATED THAT THEY FACILITATED THE SALE ON XX/XX/XXXX. 

ON XX/XX/XXXX YOU SAID THE XXXX PURCHASED THE PROPERTY FROM MY LENDER XXXX XXXX XXXX FOR XXXX. 

ON XX/XX/XXXX XXXX XXXX XXXX MY SERVICER PROVIDED ME A DISCHARGE OF MORTGAGE AND CONGRATULATED ME ON A PAID UP LOAN AND THE OCC ARE WORKING ON A RESOLUTION ON MY BEHALF IN REFERENCE TO THE CASE ABOVE. 

PLEASE TELL THE FACTS OF WHAT TRULY HAPPENED?
Re:XXXX Dear Sirs, My loan was approved for an FHA-HAMP modification on XX/XX/XXXX. I was scheduled to make my first trial payment on or about XX/XX/XXXX. That was made successfully for the full amount of {$1100.00} and cleared on XX/XX/XXXX with documentation to verify. I also verified that payment was received and applied properly by CMS per terms on XX/XX/XXXX by XXXX, Employee ID XXXX. 

The SERIOUS CONCERN I have is today ( XX/XX/XXXX ) that I was alerted CMS has reported inaccurately that " Forclosure Initiated '' in all of my credit reports. This is in violation of FHA Single Family Policy Handbook XXXX and The XXXX Fair Credit Reporting Act. 

Regards, XXXX XXXX Loan No. XXXX
When refinancing a mortgage for my brother we decided to go with Ocwen. The loan set up officer told us that he had insurance on the loan so if he passed away the mortgage would be paid off. We have a recording of him stating that fact. Two years later my brother passed away. Now they are saying they can not talk to us because they do n't have a record of who the fiduciary is. We have emailed, and faxed the court records numerous times. Every time they say they have not received it. When we call them they put us on hold for an extended period of time and then we are told the person we need to talk to is gone for the day. This has been going on since XXXX 2015.
A Home Equity Loan that we have with Bank of America since XXXX and expires in XXXX, I found by accident, through a Credit report, that Bank of America closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!
XXXX  and Equifax refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...
I was was looking for legal representation after firing my lawyer and they notified me of the courts decsion late and put up my house for sale XXXX/XXXX/2017 with no notice to me. I had already spent thousands on legal representation for lawyers that negotiate with their clients XXXX of defending the merits of the case. There are no lawyers that want to appeal the case without excessive charges. I was forced to file Bankruptcy to stop the sale.
I have numerous complaints about my loan servicer, FedLoan. 

1. The process of transferring my loans from XXXX to FedLoan was done incorrectly and my payments that were approximately {$50.00} ( income based repayment ) were {$150.00} ( income based repyament ) because they did not calculated my payments off my adjusted gross income. 

2. I was recommended by FedLoan to enter forbearance to buy time until my yearly tax returns were released, so they could recalculated my monthly payment of my IRS adjusted gross income. This actually caused me to be denied for the repayment plan because I was in forbearance, capitalize my loans unfairly, and revert to a 10 month standard repayment of almost {$4000.00} ( approximately 2 months worth of my pay ). 

3. I was denied at least 3 more times over the course of a year for my desired income based repayment plan for various reasons including unacceptable FedLoan delays in processing my infomation leading to expiration of the required application, inconsistencies between paper and online FedLoan IBR applications and loss of my employment salary information by FedLoan. It should also be noted my loans then capitalized multiple times and I also missed out on 12 potential qualifying payments towards the National Public Service Loan Forgivness program because of the above delays. 

4. Rudeness and unhelpfulness from the FedLoan staff, including initial denial of my request on the phone to simply check their fax machine to verify they had received one of my applications. 

5. After finally entering the income based repayment ( pay as you earn ) plan, incorrect tallying of the total payments I have made towards National Public Service Loan Forgiveness at least 3 times over the following few years. They still can not correctly count how many payments. I am told that they are submitting my information again to recount but have not heard anything in at least two months. 

6. Employment recertification is requested from me on a more frequent basis than yearly because they are inefficient at keeping track of their paperwork. Why do I have to re certify again so soon? I just did this. 

It should be noted that I have already had a lawyer for a period of time to help me gain enterance to the program and I submitted a long list of complaints to the US department of Education. Their response was less than satisfying. My desired resolutions have not been done.
I 've recently been having fraud/identity theft suspicions and even more so once I heard about the XXXX breach. I decided I should check my free credit report. I have been trying to get my credit report from XXXX as suggested at the government site Consumer.ftc.gov since XXXX XX/XX/XXXX. I filled out all the correct personal vulnerable information it requested just to have the website tell me that I need to send in copies of my personal and vulnerable identification. I am then reviewing consumer complaints online and I figure out that many other people had various fraudulent problems with the XXXX site. I then tried to search the site for some way to get ahold of them and they have absolutely no telephone numbers listed anywhere! I then see that on the Consumer.ftc.gov site they have a the number XXXX listed for them. Extremely weird that I had to find their number on a totally different website. I called this number everyday since XX/XX/XXXX and was unable to get through to anybody. I 've called back and tried pressing every single numbered option available. I even got to the point of just pressing zero frantically to no avail. I then did some more research online and verified that many people had experienced the same situation as me. They input very valuable information such as social security numbers and more just to find out they were not getting there report either! Please help as I believe it is possible that I am another victim of credit report fraud. I do not know what to do when I have tried everything. I need to speak to someone now as fraud is a very time crucial crime that can drastically adversely affect your life as I 'm sure you know. I am a part of many XX/XX/XXXX. Myself and the other hard working American people want to know how these organizations can say what they will about us and theft can happen yet they have no one, not even one employee that works for them or even one single location where you can speak to someone??
I hold XXXX fully responsible for this derogatory collections on my credit report with Transunion. They failed to provide proof of this debt and failed to place a dispute on my credit report ( by means of a letter which was sent certified on XX/XX/2016 ). This was for account # XXXX. On XX/XX/2016 I sent a letter regarding the claim and charge off on my account. I requested validation of this account ( by means of a second certified letter XX/XX/2016 ) and none was given as well as they did not place a dispute by consumer on my credit report. XXXX as not sent the appropriate verification by the FCRA section 609 ( A ) ( 1 ) ( A ). Then XXXX has not responded to any of my inquiries since XX/XX/2016. I would like this to be removed from my credit report or I will file a lawsuit. Thanks