WillisBack/dataset-financial-user-claim huggingface dataset:
I am receiving collection telephone calls from a medical collection agency called Optimum Outcomes. This company is attempting to collect on a debt which is 7 year old or more and pass the statute of limitations for debt collection. The calls are appearing on my home telephone number. 

Since the SOL has expired for the debt, there is no continued need to contact me. Legally, the company can no longer contact me.
I was on the Hurricane Harvey Relief program thru Chase bank for roughly 9 months but when i came off of the program they are trying to double charge me for the month of XX/XX/2018.
I have multiple unauthorized inquiries on my Equifax credit report. I have attempted, telephonically to get Equifax to investigate these inquiries and requested them to be removed. I did not authorize the following inquiries : XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX, XXXX A XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I have also attemptrd to reach out to these companies ( per Equifax 's advise ) and wad rerouted back to Equifax by these companies. I am requesting that these inquiries be removed.
When I go to check my free credit report, I am told that I may have taken out several loans for certain dates although I have never taken out a loan. When I go to answer these security questions about said loans, I am unable to give an answer, because I have never taken out a loan.
It was on XX/XX/2018 and it was on XXXX and i purchased off of a stranger online using XXXX and it was a mistake i figured since they used it in the banks which my bank being td bank they are still saying i cant get my refund it was {$140.00} i lost and im pretty mad we dont get any type of protection so i decided to report the account of the person and make sure that he doesnt do it to anyone else i tried talking to my bank and nothing was done for me
D2 Management Called today to inform me of a debt that I owed to a company that I know I had previously paid off. I became suspicious of the call when I was getting terrible customer service and she almost hung up on me when I stated calmly and politely that I needed her to send me information regarding the alleged debt, so that I could seek legal counsel on the legitimacy. At that point she said the only thing that could be sent to me was an agreement for payment plan. After that, I was told that since I wanted to talk to legal counsel, she would enter me as a REFUSAL and report me to the IRS.
Perfection Collection for the amount of {$2100.00}, I have sent Perfection Collection a Debt Validation and they have not responded. I have no knowledge of this alleged debt.
Two years ago XXXX, we applied for the First Home Club savings program through M & T and were subsequently approved by the representative we worked with ( who is no longer an M & T employee ). Since then, we have successfully completed the program, making the monthly payments on time, and have completed the required counseling sessions. At this point, we have met with our loan officer several times, had all of our documentation in order, and successfully procured a mortgage loan. We were informed yesterday of a condition of the First Home Club program that would have disqualified us from being accepted into the program ( One of us was a XXXX within 6 months of enrolling ), yet M & T approved us anyway. We were never shown or had access to a document that listed this condition, yet the representative that we worked with, filled it out for us, marking that we met this condition, without confirming with us if that was accurate. He had us sign what turned out to be the XXXX page of that document, and never showed us or had us initial the XXXX page. As a result, now that we 're ready to move forward with our mortgage, we were told by M & T that it was very unlikely that FHC would approve us for the grant that would give us an additional {$8000.00} toward closing costs. We were told by M & T that there was little they could do, despite the mistake being theirs.
My lender is Select Portfolio Servicing. And, not by choice! My loan was sold to them by XXXX XXXX XXXX a year and half ago. Its been XXXX ever since! 
I had XXXX messages from my Relationship Manager so I called back SPS. While I am waiting for a human being to pick up, the recording is giving me the latest update on the status of my account. It starts off with " your forbearance payment of $ XXXX was received on XXXX XXXX, 2015. Your next forbearance payment of $ XXXX is due on XXXX XXXX, 2015 ''. 
I was shocked and horrified! I am NOT in default on my loan payments and yet, according to this account update from SPS, I am! When I do get XXXX ( relationship manager team ) on the line, I ask her about this. Mind you, this conversation is being recorded. I say, good! We will need the proof! XXXX starts off by telling me that I am confused! She says I am paid up ahead and that my next payment is not till XXXX 2015 ; further that since I paid extra, the XXXX amount is that much less. 
So, I ask her what happened to my XXXX payment that I made -- -on time, mind you. I get silence! Then XXXX insists that I am paid up ahead and that my payment was applied to XXXX 2015. Again, I question this statement and action on the part of SPS because I paid for XXXX 2015, on time. Finally, XXXX says that my XXXX payment triggered the Trial Loan Modification that I was approved for. 
Yet again, I am shocked and not a little terrified! Because, from what XXXX of SPS is telling me is that SPS took my XX/XX/XXXX-on-time payment, applied it to XXXX thereby forcing me to be in default!!!!!! Further XXXX is telling me that the Trial Loan Mod that should not have been triggered except by MY payment of their required amount by XXXX XXXX, 2015 was triggered by my XXXX payment! Even though the correspondence from SPS clearly indicates that the trial loan mod would only be triggered by my payment of $ XXXX by XXXX XXXX, 2015! 
So, I want CFPB 's help with this problem with SPS. SPS is operating outside the law and has committed FRAUD. What they did by forcing me to be in default when I am not is ILLEGAL!!!!! 
I would appreciate guidance as to what my options are in this case where my lender is corrupt and committing illegal acts as well as fraud with the mortgage loans that they service. 
Thank you in advance for your help!
Ally Financial Auto reported to all the credit bureau 's that I was late on a payment for the month of XXXX when my XXXX Payment was n't even due for another 2 weeks. I am in the process of going to settlement on a house but can not due to my and my wifes credit scores took a dive. after calling every day to get them to fix it they keep telling me it will be fixed when they report at the end of the month. I over and over explained to them that I do n't have till the end of the month. I only have a week before settlement. will not help or work with me at all.
Bank Fraud I believe I was defrauded in my dealing with a financial establishment what was at that time known as XXXX and located in XXXX, Alabama. XXXX XXXX has sense been acquired by a different financial organization, Trust Mark of Mississippi. 
In dealing with Bank XXXX, I borrowed so called " money '' and gave a promissory note with a house and land as a surety. 

I have sense found out Bank XXXX did not loan me any money. The money they said they loaned me was created by my signature on the note. Their fraudulent bookkeeping made it appear as if they loaned me money. 

Unknown to me at that time, my note was treated as if it was a cashier 's check and deposited in their " transaction account ''. The so called money was then taken out of this account and placed into my loan account. This created the fraud. They said they were loaning me money when it was my money, that I created with my signature! So, the bank " loaned '' me nothing. The bank risked nothing! 

I returned more than the money they gave me. They returned my note. They did not return the money they made on my note while it was in their possession. My note was a negotiable instrument and through fraudulent dealing with me they kept the money made on my note. 

I want complete disclosure of their dealing with me and return of ALL the money they made off my note.
I went to XXXX to get money orders and without my knowledge US Bank puts a {$300.00}. limit so I can not use it. 
I run to the branch and get a cashier 's check. I am not informed of the different rules. 
My cashier 's check is lost and they refuse to stop it. 
I WOULD NOT HAVE DONE CASHIER 'S CHECK AND THEY GET {$7.00}. TOO BUT THE CASHIER 'S CHECK IS MUCH MORE. ALSO US BANK PLACED A LIMIT THAT I DID NOT AUTHORIZE OR WAS INFORMED OF.
There is inaccurate information on my credit report. Attached you will find copy of a ledger that I received from the leasing office of XXXX XXXX XXXX. 
The leasing office has confirmed that this has been reported as an error on their part. I was never evicted nor do I owe any money. I want this handled immediately, this inconvenience is preventing me from moving into an apartment that I was declined from due to such inaccurate report. This is an error/ incorrect information showing on my credit report, please remove. 

For further questions, you can reach out to the apartment ( XXXX XXXX XXXX ) directly at XXXX.
Experian Credit Bureau is refusing to remove an account from my credit after I provided proof the creditor has removed it.The creditor is XXXX XXXX XXXX
I received a call from a company that called themselves " Medical Revenue Service '' the man I spoke to gave me inconsistent information and told me that I needed to contact my bank to let them know that I allow them to take my money out of my account after I gave him my card information. This was a huge red flag. I did some research on the number/company and found a lot of complaints online, most people saying that they are a scam. I called back and requested a receipt either physical or electronic and was told that would take 21 days and that I need to send them a self addressed envelope with a stamp. I also asked if they ever mailed me a bill and he said they sent one yesterday XXXX/XXXX/16 and that I should get it soon. This was another red flag. I asked him if it was standard procedure to call a person multiple times before sending them a bill and he said it depended on the situation. He also had very little information for me when I asked how he received my information. Needless to say, after 2 phone call conversations, I realized this is most likely a scam and had to have my card replaced in order to avoid them falsely charging my card or stealing my identity.
I have a Care Credit Card. I have called the company several different times since 2012. I had a XXXX and was late on some of my payments. I called them to find out what options I had to get back on track since I was off work going back and forth to doctors to see what exactly was wrong with me. It took a year to find out that I had actually had XXXX strokes. In this time frame, I was not using the card for my doctor bills because I have insurance. But to make a long story short, I have paid all my promotional balances off according to my online statement. Today I called them and the representative tried to tell me I have an old promotional balance of like {$4.00} and then something about a balance of {$200.00} that is being charged interest. There is no open balances on my statement. The total amount of {$2200.00} is marked as unpromotional balance - which means interest on top of interest. No one can explain any of this to me. I have not been able to get anyone to help me resolve this issue since 2012. I am at my wits end to get this resolved. I do n't feel like I owe this but when I spoke to a representative and tried to get help I was informed by him that his supervisor told me to call XXXX. I called that number and it is to a debt collection agency or company to like consolidate debt and get on a monthly payment plan or something. I just want every one else that is considering getting a Care Credit Card to refrain from doing so. It is definitely not a reputable company.
I disputed a XXXX XXXX late payment ' report to XXXX. Merchant ( Samtander ) replied to dispute by reporting an XXXX pmt previously shown as paid on time now reported as also late. XXXX DID NOT question Santander 's STUPID response. They imply passed to me the dispute as resolved in the merchant 's favor. ASININE! ( Got ta love Credit Bureaus who 'rubber stamp ' merchants ' replies! )
I was a XXXX XXXX patient in XXXX when I suffered a XXXX. I was admitted to the hospital and kept 9 days. Ever since I have been discharged, I have had 4 providers billing me directly. My insurance company sent them warning letters for them not to bill me directly, I also emailed them copies of the letter which stated that they are breaking the law by doing that. They also are submitting the bill incorrectly, and one provider just refuses to submit bill to my insurance company despite the supervisor of my insurance company calling them directly. They sent the bill to collections, first one agency and then another. I did not receive any notification other than one call. I did not get a chance to dispute the bill. They also could not provide any info on who they were collecting the debt for. I told them I will not pay until they can provide me with proof on who they are collecting the debt for. A few weeks later, I was sent an email from XXXX that there was a collections notice on my report. I contacted the first agency that was listed on the report ( XXXX.ph : XXXX ), and spoke to XXXX who denied any knowledge of sending my information to the other collection agency, he only stated that they could not collect any debt in XXXX. I then called up the other collection agency on the report ( Allied Collections, XXXX ) and spoke to XXXX, I called up he told me that I had to pay the bill or it will ruin my credit history. Under severe duress, even though my insurance company told me not to pay the bill, I made a payment of {$350.00} on XXXX which included a {$16.00} payment processing fee. I work as a XXXX at a XXXX, and if my credit history is bad, they might not renew my contract. The collection agency promised to send me a receipt within 72 hours, but as of now, they have not sent the receipt even though I have requested that multiple times. The provider who was billing me and not my insurance company is called XXXX phone : XXXX. Because this involves companies in multiple States, I simply do not know who to turn to.
I requested my auto pay be held for the month of XX/XX/XXXX, I spoke with a rep at BMWF on or around XX/XX/XXXX, she said she would request payment held until XX/XX/XXXX. Their web-site still shows payment to be pulled on or around XX/XX/XXXX, that rep did not do what was asked of her and needs to be corrected. I checked the site today, XX/XX/XXXX, it shows payment pending for XX/XX/XXXX, needs to held until XX/XX/XXXX
I applied for loan with JMAC Lending on XX/XX/2018 My initial loan officer was XXXX XXXX. We talked on the phone on XXXX XXXX and discussed my lending needs and tight time frame for closing. We discussed several loan options and locked a rate of 3.375 % for 7 Year ARM. An appraisal was ordered and I submitted 100 pages of documentation. It seemed that I was submitting documentation every single day. We waited for what seemed an eternity and the loan was finally approved on XXXX XXXX.

Since the closing date was supposed to be on XXXX XXXX, my realtor after conferring with JMAC drafted an a contract amendment for the seller to extend the closing date. The seller signed the extension, but I had to pay an option fee to get the contract extended and put up additional earnest money. The seller was not happy, as I was purchasing the property significantly less than his asking price and the house was appraised at {>= $1,000,000} and I was purchasing the house for {>= $1,000,000}. In addition, according to my agent, he had lost two other offers because of California Loan Companies. 
Thinks now looked good to close until I was notified about a week later that JMAC would most likely not be able to make the new closing date that was signed in the extension and I would have to ask for another extension. At this point, I decided to cash in investments and close with cash or risk losing the deal. 
I discussed this with my loan officer, and he said we could close with a different type of loan after I had a closed with cash to get my money back out. He said the new process would be very fast since I was already approved, they had all of my papers, and hopefully we could use the appraisal that was just completed. Shortly after that, we agreed upon a new rate of 3.875 % and moved forward I good faith to close on a new loan. Loan disclosure statements were sent to me to sign which I promptly signed electronically A new appraisal was ordered and charged to my credit card, after being told that the first appraisal would work. In the second appraisal, the house was appraised at {$1.00} million ; I was only financing {$750000.00}. After several weeks passed, I sent an email requesting the stratus of loan. I was told that my loan officer and loan processor were no longer with JMAC and that my loan had been reassigned. 
The new loan officer and processor requested numerous other documents. In addition, they sent me a new loan disclosure for 4.875 % a full 1 percent higher that my approved loan disclosure and 1.5 % higher than the original rate of 3.375. % Thinking this was an error, I sent an email back to loan processor of why the rate was higher. I later received notice that a notice that they could not honor the first loan disclosure because that loan is not available in Texas. I said the new rate was unacceptable. I was told that they would check with the manager. I was asked for more papers which was submitted but never contacted by the new manager. 
After sending several emails, I decided to apply for a loan wit the mortgage company. My loan went very fast and now have my mortgage and at higher rate.
I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.
Approximately  XX/XX/XXXX  I  took out a loan online for {$840.00}. I was charged a {$71.00}  cash advance  fee, also. I have paid them {$1100.00} to date, and still owe {$530.00}. I am a   XXXX   XXXX   resident, and I have found out this loan is not legal in my state, and it violates   XXXX   XXXX   XXXX   Civil Usuary law NJSA  XXXX . They are harassing me, even calling my work phone numerous times daily. I understand I am owed the excess amount I paid over the loan amount. I will no longer make payments on this illegal loan and wish for them to Cease & Desist calling me, my employer, and anyone else to try to collect on this.
I opened my Club Carlson ( US Bank CC ) in XXXX '14 since friends gave the service and travel perks such high regards. The most important benefit this CC offered was the " Bonus Award Night '' after paying the annual fee and was of such great value to my family and I that we shifted our hotel stays to align with this company. We used this benefit multiple times with no complaints and felt we always received good customer service at all the locations. When I signed up for this card and paid the annual fee I was certain I would be receiving all of the benefits of the personal card for the entire year. But I recently found out they were doing away with the " Bonus Award Night '' as of XXXX and am strongly reconsidering my hotel loyalty due to the abrupt nature of this change and the radical change within the entire awards system. I had been planning future trips around the hotels within the award system but am not so sure if I want to spend the funds knowing another drastic change may be around the corner.
I got charged so many monthly fees that I was not aware of, so asked Citizens to close my account online. But they didn't close it. So I went to the bank to get the fees waived close it. They changed the type of the account to a free checking. As far as the fee charged to my account goes, I was advised to call Citizens Customer Service or go online to get them waived and then come back to them later to get more fees waived. They said they couldn't waive any fees before Customer Service Phone Banking waives any of the fees. The next day, I got charged another monthly fees even though my account is changed to a free checking. Also, I got charged a statement fee of {$3.00} on my account. I have never seen any bank charging XXXX dollars for a paper statement.
On XXXX/XXXX/15 I was charged with a high balance of {$1900.00} From XXXX XXXX XXXX XXXX, which was last reported on XXXX/XXXX/15. And on XXXX/XXXX/15 I was charged with a high balance of {$840.00} from XXXX, which was last reported on XXXX/XXXX/15. I 've never been affiliated with either creditor. These do not belong to me.
Numerous phone calls ( early morning thru late evening ). Caller ID says XXXX service ; numbers have been blocked ; but they still call. I do n't answer - do n't know " them '', did n't ask then to call me, assume its scammers. This has been going on for 18 months. Local phone provider says " Oh, too bad, not our problem. " Today I reluctantly called them ( after being called at XXXX last night ) and told them to leave me alone. They are : Pioneer Credit Recovery, IncXXXX I read the riot act to someone claiming to be XXXX XXXX. I asked what scam they are running. Please investigate these people and their " debt collection '' techniques.
I have previously attempted to dispute this charge with my bank and for some reason my CFPB complaint filed in XXXX has not been addressed. On XXXX XXXX, XXXX, I paid {$4900.00} dollars to Appelizer.net for services that were never provided. Please see previous complaint. I still have not received the items described verbally and per our contractual agreement. Upon further investigation I discovered that this company is in cahoots with several other " online businesses '' that prey on unsuspecting consumers. These career criminals, even go to the extreme of dragging you outside of your 60-120 day grace period to dispute the charge with the Credit Card Company or bank account with guarantees of success and profitable returns. I know that there is an extended period of time allotted if the services were not rendered as described per Federal Regulation. Which has brought me here, needless to say I did not received the services I initially purchased. I have been taken advantage of, and need my credit card company to look into remedying this situation. I called my credit card company and spoke with a representatives who stated my request must be in writing I obliged with documentation on XXXX XXXX, XXXX, they sent me a form that I completed and mailed in only to be told the will not look into the matter letter by phone. I did everything that was required of me via the law and them. This is simply a delay tactic, please have them look into the matter, they are supposed to be there for me their customer. I would like my money refunded without further delay. 

Thank you, XXXX XXXX
This issue is an existing problem which EQUIFAX wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were  sent timely on the accounts and were never late..CFPB step up and fix this error XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX