WillisBack/dataset-financial-user-claim huggingface dataset:
Transworld sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with XXXX XXXX XXXX which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with XXXX XXXX XXXX because they no longer have the loans. I do see any ownership information from XXXX XXXX XXXX or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was XXXX XXXX XXXX but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. XXXX XXXX XXXX and Transworld are trying to commit fraud against me. I have the copies of all of the complaints I have against Transworld as proof. XXXX XXXX XXXX can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
The vehicle was sold/traded in to XXXX XXXX XXXX in XXXX, CA on XX/XX/XXXX. One Main is reporting a 30 day late for XXXX 2018. 
I have called XXXX and One Main requesting this to be modified and corrected - we were not in possession of the vehicle and under the understanding that XXXX was going to pay the vehicle off. We were never notified that it was not paid and past due again.
On XX/XX/2018 a transfer of funds between another USAA member and myself Accrued. USAA now uses a 3rd party company called XXXX, when the transfer was placed a text was sent to my phone saying " XXXX sent you {$1000.00} through XXXX, a service of XXXX XXXX XXXX, at XXXX XXXX XXXX. Reply with STOP to end msgs or HELP for help. '' after some time I realized the funds had not been transferred. after consulting USAA I was informed that I only had 14 days to register or the funds would go back to the sender. I was well over that period and now am being told that USAA has no way of contacting the Sending Member or any way of completing the transfer. The points i would like to make are in the Text Receipt message it states nowhere that i need to login and register, or that my funds transfer would not be completed until I am registered. the text does however state that {$100000.00} was sent to me, when in fact it was never sent. I would consider this a lie and false invoicing. USAA has been unhelpful in this situation and is not making any attempts to rectify this situation
Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.
The complete taking of my tax returns past two years, desperately needed to survive amid extremely poor job prospects. It could have been allocated towards getting me out of default gradually while allowing me to scrape by slightly better.
I pulled out a private loan around 2006 for $ XXXX it is now doubled to $ XXXX. I was never told it was a private loan, I thought it was a federal loan. Now my payments are about {$400.00} a month too much for me to handle and my balance is n't even decreasing after paying for over a year. I 'm trying to work with the servicer but they are not giving me any options. I would like a lower payment and interest rate where I can actually see my balance decreasing.
The issue is whether Wells Fargo Mortgage has knowingly violated Regulation X with regard to requiring monthly payments to a property tax escrow account, when the relevant property tax has been paid in full for the ensuing twelve-month period.

Relevant law A lender may not require the borrower to deposit in any escrow accountfor the purpose of assuring payment of taxesin excess of a sum that will be sufficient to pay such taxesduring the ensuing twelve-month period ..., 12 USC 2609 ( a ) ( 1 ).

any person that knowingly violates a Federal consumer financial law, a civil penalty may not exceed {>= $1,000,000} per day during which such violation continues. 12 USC 5565 ( c ) ( 2 ( C ).

Facts The facts are established by clear and convincing evidence and can not be reasonably disputed : 1. On XX/XX/XXXX, the borrower requested removal of the property tax escrow, because the property tax for the subject property was paid a year in advance, with no amount due until XX/XX/XXXX.

2. On XX/XX/XXXX, Wells Fargo Home Mortgage received {$2100.00} as payment in full for all amounts due for the property tax escrow account.

3. On XX/XX/XXXX, by letter Wells Fargo Home Mortgage stated We want to fully address your concerns.We now expect to complete our work by XX/XX/XXXX 4. On XX/XX/XXXX, Wells Fargo still requires {$4400.00} with tax escrow instead of {$2900.00}.

Conclusion The facts show that Wells Fargo intentionally and knowingly failed to remove the tax escrow payment due on XX/XX/XXXX, in clear violation of relevant law which prevents requiring the borrower to pay a excess if the property tax due the next 12 months, 12 USC 2609 ( a ) ( 1 ). The applicable civil penalty is {>= $1,000,000} per day of delay, based on the XX/XX/XXXX increase. If Wells Fargo fails to promptly cancel any future property tax escrow payments for our mortgage loan, Consumer Financial Protection Bureau is authorized to impose the maximum civil penalty.
I have three XXXX accounts that were paid in full - but are reporting as late in XX/XX/XXXX/XX/XX/XXXX when I was in school.
On XX/XX/2018 I received " Collection Notice letters, from a collection agency. One from the original creditor : XXXX XXXX XXXX, XXXX and the other from XXXX XXXX XXXX Neither name I am familiar with. The debt had been sold to XXXX XXXX XXXX. After checking the license/bonding in the state of Florida, XXXX XXXX XXXX does not appear " Active '' on any list. This is the name on both of the letters they sent attempting to collect a debt. However once I checked on the XXXX  site and rechecked licensing, I noted that the address is the same on a company called XXXX XXXX XXXX. Although both share the same acronym, the two names are not the same. Perhaps they are using a fake company name? I'm not sure. However I do know the names must be the same AND actively licensed/bonded to legally collect, or attempt to collect a debt, in my state.
After reviewing my credit file that Equifax maintains under my social I have come to find out that XXXX XXXX XXXX has inserted 9 accounts under my name damaging my credit that does not belong to me. I am a victim of identity theft and there have been many accounts opened using my driver license and social. Not only did XXXX XXXX not inform me that they were inserting negative information into my credit file they didn't give me the opportunity to request validity of these alleged accounts. I have never done business with XXXX XXXX  nor ever had a contract with them stating that I have an obligation to pay them any funds. I have never done business with the company they represent either. Every account listed with this company is a result of identity theft.
I didn't know that I had any debt outstanding with XXXX XXXX I never received a letter, email or anything else. When I found out that I had an outstanding balance on my XXXX XXXX card, I paid it in full. But it negatively affected my credit score, without ever giving me any sort of written notice that I even owed anything.
I had an in k Chase credit card and called to pay off the balance and close the card. I asked the cha se rep how much I would need to pay off in order to close the card and was given a payoff amount.     Following my payment, an interest charge a month later was charged to my account of {$9.00}. I did not know about this because i closed the account. This {$9.00} then got assessed late fee after late fee and was reported to my credit as delinquent. I now supposedly owe over {$200.00} on this closed credit card.      Chase has ad mitted that I called to payoff balance to close card but will not correct the issue. THey claim I should have known to ask about future interest - even thought I asked what I would need to pay off to close the account!     The payoff happened in   XXXX   XXXX    2016  and I am still being harassed about this balance and it is negatively affecting my credit.     Here is a transcript of the message left for me today : Hi good afternoon this messag e is ______ my n ame is  XXXX   XXXX  from  Chase  card services returning your request for a phone call. You have given us permission to give a detailed message which we are following up with your concern on  XX/XX/XXXX  about your ink account that is now closed more specifically about the fees that are in the credit report um now it was suggested to us that you were provided incorrect information at the time that you made your payment and you requested to include all future interest as well at the time of the call and that what we were actually able to confirm on the date of the payment in  XX/XX/XXXX  was that you did request to close the account and also request to pay off the balance which the specialist proceeded and processed the payment for accordingly. what we were able to confirm was that there was no discussion for any related to the fees there was no questions if you would be if there 's any fu ture ____ ____ ____ going to communicate that through your monthly statement __ ___ ___ ___ call r eview ____ we were able to determine no missed information _____ at this point your account is   XXXX   delinquent and he stil l have _ balance of {$130.00} that is still required please know what you do set aside this balance _________ will be a subsequent balance ____ interest that when __ called residual interest that will still be assessed ___ at the closing of your cy cle date _____ __ this case __ ___ paid on time they will be  XX/XX/XXXX  again we are aware that you are requesting to have these ________ __________ the cred it _________ correct based on our research which will be documented on the _______ there was no evidence of anything ____ ____ __ apologize _____ not able  to speak to you at this time but if you do need to follow up we have supervisors availa ble 24 seven  at  XXXX   ___ the number __ any back of your active check account thank you for your time ___ h ave a wonderful day
We live in NY State. We were flooded by Hurricane XXXX and XXXX. Flood Insurance Money that came to us was withheld by HSBC Bank until we did repairs. It was about {$12000.00}. We believe some interest was paid on that amount to our account. Shortly thereafter, another {$40000.00} was given to us from Hurricane XXXX, and the Bank also withheld that money pending repairs to our home. On XXXX XXXX, 2013, HSBC transferred their Mortgage Services to XXXX XXXX XXXX. They are holding appx {$52000.00} Flood Insurance Money in their Bank pending our signing a reconstruction contract with a builder, which has not yet occurred. When our {$52000.00} was transferred to XXXX, there were no written receipt sent to us attesting to the fact that they had that money in our account. I made numerous phone calls to XXXX XXXX, asking for something in writing to prove that our money, in that amount, was being held by them. After all, if their computers went down, how could we prove that they had our {$52000.00}. If I put XXXX cents into a savings account, I get a receipt. XXXX XXXX absolutely refused to provide us with a receipt on paper attesting to the fact that they were holding {$52000.00} of our money. 
Also, they refused to say if they were paying us interest on that money. Apparently, there IS NO law in NY State requiring Banks to pay interest on Flood Insurance Money being held by Banks. WHY, I DO NOT KNOW. I AM SURE THE BANK IS MAKING MONEY ON OUR {$52000.00}. Any money they make on Our money is ours. I am sure they are investing that money, and keeping it. 

I wrote recently to the New York State Department of Financial Services about these XXXX issues. They forwarded a complaint to XXXX XXXX. I received a letter from XXXX XXXX supposedly in answer to my complaint. They did put in writing, in that letter, that they were holding {$52000.00} of our Flood Insurance Money. So finally, the State Agency got that in writing for us after two years. However, XXXX XXXX stonewalled on the issue of interest due us on that money. They filled half of the letter with an answer to an issue that I did not raise, and that was the issue of them releasing our Flood Insurance Money to us. I did not ask them to release any funds yet. They made it appear that they were answering my complaint, but they answered a question that they made up, not my real question. 
Finally, they did not address the issue of whether we were due interest, and if not, why. They stated this : " Additionally, we recognize XXXX XXXX 's and XXXX XXXX 's concerns over the interest earned on the escrow funds. With the final disbursement of the insurance funds, any interest earned will be released with the draw. " We realize that no interest has been paid on these escrow funds, because the bank would have issued us a XXXX form. 
We believe this is not fair. There may be as many as XXXX homeowners in New York State with banks holding Flood Insurance funds. They are, we feel strongly, profiting from all of these funds which are not theirs. Why are the Banks allowed to cheat us in this way?
I have been buying bitcoin and ethereum on XXXX XXXX for a few months now and this is the first issue iv had, and yet its a big one. Coinbase charged me twice for most if not all my transactions. Onc3 on the day i purchesed them, and then they charged me the same amount for all my purchases again on XXXX. XXXX, 2018. I have included my online bank statements. The ones with the red mark next to them are the second charge and the ones with the blue are the original charge on the day i purchased. I also provided my coinbase purchase history where i outlined all my transactions in purple. I have tried to contact support mant times and can not seem to get ahold or get through via email or phone. My Case number with coinbase is XXXX
I changed cell phone companies earlier this year. I had service with XXXX XXXX but I never received a bill that I owed anything after changing services. I never received a paper bill from XXXX XXXX. I always paid my bills online so I never got paper bills. I tried to check my account online with them and I could not get any information on my account. I talked to the collection agency and they can not provide me with a bill either. I called XXXX XXXX and talked to XXXX and he said it would cost me a dollar a page to get a final bill. I asked to talked to a supervisor and he said he was transferring but all I got is voicemail. I left a message but no call back. XXXX I think this is unfair!!
I have been trying to obtain a modification of my loan with Wells Fargo since XXXX. I am a nurse who lost her job during the recession In XXXX I started working again but Wells Fargo denied my modification because they said my income was too low. My income has approved and late XXXX they approved a modification but the payment was almost the same as my previous payment of {$3900.00}. Wells Fargo tells me that the investor only allows XXXX try at a modification. My house is set for sale XXXX XXXX. I look at my modification attempt in late XXXX as a continuing XXXX because the previous amount was too high. We could not afford it. We could afford {$3000.00}
I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to National Collegiate Student Loan Trust XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few hundred dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
Received a call from " XXXX XXXX '' licensed process server of " XXXX  ''. According to a quick internet search, XXXX XXXX   impersonates himself as a " licensed process server '' of XXXX   XXXX, AZ and XXXX XXXX, GA while having offices located in " New York ''. XXXX XXXX refused to send a debt validation letter via US Mail and instead tried to send one via e-mail, which was simply typed up in Microsoft Word. XXXX XXXX claimed that I would be sued immediately if I did not comply and could face arrest and garnishment of wages for a {$190.00} debt that was from three bad checks, which I did not personally write. I explained to XXXX XXXX that I was not the person who wrote the checks and he subsequently told me that Certegy and their clients would not lose the money on this debt, and whether I wrote them or not, since I was the account owner, I would need to pay for the debt or face a lawsuit and that I should seek legal avenues to get reimbursement for the individual who defrauded me - although that individual is a drug addict and is transient.

XXXX XXXX   would not disclose his company address. He called me in XXXX telling me that I would be served the next day if I did not comply and no one ever showed up to my address. Two months later on XX/XX/XXXX I received another call telling me that I would be served again unless I paid the debt and that he could not work with me and would provide no information to me.

Apparently XXXX XXXX of XXXX also goes by the name XXXX XXXX
Professional Account Service, INC called me to collect a debt for medical bills that I am currently making payments on and am up to date. Company stated that I was in collections and had not been making payments. Tried to explain that I am making payments and they stated that not all of my accounts were combined and that my payments were n't being put towards the debt amount in collections. I paid the amount. The following day I checked with the accounts payable department where my medical bills were and they stated this has happened to other people and confirmed that I have been making payments on time and my debt should not and is not in collections. This is fraud and is treating patrons unfairly and misrespresenting debts to patrons that are not in collections that can bring undue stress to individuals. This practice should be stopped and they should represent debts fairly and truthfully.
I am writing to dispute the following information in my file. I am a victim of identity theft, and did not make the charges or open these accounts. I am requesting that the item be deleted to correct my credit report. 
Enclosed are copies of a police report Please investigate these matters and delete disputed items as soon as possible. I have gone round and round with Transunion and cant get these trade lines deleted. They do not take Identity theft seriously! the accounts in question are : XXXX XXXX Account number, XXXX XXXX Account number, XXXX XXXX Account Number, XXXX XXXX card Account number and XXXX XXXX XXXX Account Number. I send numerous letter to transunion registered and not registered. I have been living with my girlfriend the last 3 to 4 years. I am a victim of the XXXX breach and others like XXXX and XXXX. Someone changed the address on my unauthorized credit cards to a hotel room in Arizona.
On XX/XX/XXXX, I went to close my account at PNC Bank, XXXX XXXX XXXX, XXXX OH XXXX. Once the teller and I could hear each other over the carrying on from other employees, we confirmed that only the manager could close the account or I could get cash. The manager was having a 20 minute call while we were waiting even though he knew we were waiting. The teller then directed me to him. After confirming my identity with my license, he has the check made out to me to me to cash out. We were in the bank about 30 minutes to get close the account and make one other transaction. Both the teller and manager kept my license and did not offer to return it. My wife had to physically take it from the managers desk. The unprofessional and party atmosphere of the bank is appalling. The lack of business sense in now knowing how to close an account and return legal documents show this bank is there for themselves and not customers. I sure did make the right move in closing the account. I will never return!!
When I bought my XXXX phone, the app American Express Serve came with it. It auto opened an account, though I did n't think anything of it because I never used it. So there 's no banking info or anything tied to it. Today I got an email saying that unless I add direct deposit to the account AmEx will charge me a {$4.00} fee. I try to log into the site, but I ca n't because I never really opened an account. I did request new PW and that let me in. On the page, no where to close acct. You can only call, tweet them, or write a letter. I have been on hold for 30 minutes. I would really just like to close the account and not be charged $ XXXX. Especially when this is just an app. Like a way to pay for things on your phone w/o using your own credit cards. My major issue is that there 's no easy way to contact AmEx and cancel the account. I am not going to tweet at them or send a letter. My only option is to call and like I said, they have had me on hold. I think this was a little forced since it was an app on my phone that I did n't really want. It was pre-loaded.