WillisBack/dataset-financial-user-claim huggingface dataset:
I XXXX XXXX am reporting a deeply serious complaint against the entity of XXXX XXXX XXXX XXXX XXXX, collections agency regarding there gravalicious and phony debt recovery approach in relations to a debt that has long, long ago reached it 's maturity date. 

XXXX XXXX XXXX XXXX XXXX, and it 's shared affiliates unscrupulous approaches to recover a debt that was originally taken out for {$2500.00}, between the year XX/XX/XXXX, and XX/XX/XXXX has long been updated and removed from all three major credit bureaus, through multiple disputes regarding many unfair charges etc. And therefore, such, debt has no genuine merits for any types of collection recovery etc. 

In addition I vividly remember filing multiple disputes to have this debt removed particularly from XXXX, files which was done two to three months before its removal month and year, with that being in the month of XX/XX/XXXX, and which was shared with me by a live customer service representative person on a called in over the phone through my initials of verification etc. 

In my closing out now, and complete analysis regarding XXXX XXXX XXXX XXXX XXXX, and whether there acting solo, or in connections with it 's counterparts to collect on a debt that has long passed it 's statues of limitations, and that has long been exhausted on it 's recovery time frame which would surely be deemed as extortion 's, ugly conspiracies to entrapment 's, tactics of manipulations, major monkey businesses, along with ethical fallacies, rhetorical fallacies, and rationale fallacies which many, many consumers in the business world and societal marketplace would deem such disturbing actions as non de minimis, and which is for surely reprehensible at all major levels etc. 

In further, I am quiet frankly, appalled and incredulous by all these criminal activities by XXXX XXXX XXXX XXXX XXXX, and it 's affiliates which are deeply troubling, and deliberately deeply disturbing, and with deeply intentions of culpable negligence. And as such, this entity and it 's affiliates whether they 're again, acting solo or not should be held accountable and responsible for all their collective despicable actions for trying to take advantage of me, and perhaps many other potential consumers in the marketplace etc. 

These types of phony business conduct causes debt restart on debts that has long been eclipsed in the societal business world and marketplace which causes many other major effects unjustly on many consumers etc. And as such, I implore for all body of governments, and all entities of consumer watch dog groups to reward XXXX XXXX XXXX XXXX XXXX, and it 's acting affiliates with stiff penalties of justices at all major levels in general etc.
There are delinquent taxes against the property I've recently acquire ( Delinquent Tax Bill attached ). Neither the lender ZINC financial, or XXXX XXXX XXXX  XXXX   are taking ownership of the issue as they both keep pointing fingers to each other. In fact, XXXX XXXX now wants me to absorb the cost of the delinquent taxes I do not own. 
This is the second complain file against ZINC ( CFPB complaint XXXX attached )
I was contacted by transworld systems inc in regards to a medical debt on XXXX. I had no idea who was calling me and they were calling from a local number with my area code. I asked who was this and the gentleman said his name and company then went on to tell me about the account he was collecting on without verifying information so the collector disclosed information to a third party. I contacted the company the next day to let them know what happens and to get a call back from a manager after they reviewed. They put my account in dispute apparently without me disputing. This could cause me to get a judgement on my record for no reason. This company is violating FDCPA and is a loose cannon in my opinion. I want to know what I should do and if I should hire attorney or what would be best suited for this situation?
I got this loan to help family. On all my emails and phone calls to arrange a payments plan I had no answer.
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX, XXXX XXXX : XXXX Experian : XXXX XXXX : XXXX, XXXX/XXXX   XXXX : XXXX Experian : XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX Experian : XXXX XXXX  : XXXX.
Ocwen  /  XXXX   XXXX . Sent me modification paperwork, while the paperwork was still under review  by Ocwen they submitted our home for foreclosure. I have never received any notice from Ocwen about  the foreclosesure. The only reason I know about the foreclosure is from all the advertisements in my mail as well as people driving by ( which is scaring my children  ) and pe ople calling me. I received notice  XXXX / XXXX /  XXXX   that  Ocwen will not modifiy my loan. Based on the modification letters and dates, Ocwen never planned to modify my loan. I still have never received any thing from Ocwen  stating they were going to foreclose. I am a single parent with  XXXX  kids at home,  XXXX  of the children are   XXXX   XXXX   XXXX   XXXX  and have special medical equipme nt. One of the  children was born   XXXX   XXXX   XXXX  , only has a   XXXX   XXXX  .   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and spent over a month a  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX  level   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , he has   XXXX   XXXX   XXXX  . My children and I have been through alot.    Ocwen is terr ible with paperwork, dates, payments, amounts, etc. Their information is incorrect on most of their paperwork and documents. I sent them a QWR letter to request verification last year On some of the things I asked they could not respond since they did not know.   I realize this is short notice, but I just received the information.   Thank you for your time.    XXXX   XXXX   XXXX
I have an unauthorized hard inquiry from XXXX Bank on my Experian credit report dated XXXX XXXX, XXXX that does not belong to me. I have attempted to resolve this with Experian via phone and via CFPB but am told to contact the creditor. I have already attempted to resolve this with them and sent a CERTIFIED LETTER requesting to remove this erroneous record from my report which was received by them on XXXX XXXX, XXXX. The creditor has not responded to my request despite waiting 60 days. Please have this record removed from my report immediately. Attached is proof of my attempt to resolve this matter and have now been left without resolution and an adverse record on my report.
I opened a XXXX XXXX Credit Card account in XX/XX/XXXX. 3 months later when the company didn't credit me the correct amount of rewards that they advertised when I opened the card and after having a bad customer service experience, I requested that they shut down my account because I won't be dealing with their company anymore. And so the account was shut down on XX/XX/XXXX, and I shredded my card and obviously never used it subsequently. 
Months later in XXXX, I receive a letter from them saying that I have late fees on a charge that was made on this account from XXXX XXXX XXXX 's on XX/XX/XXXX for the amount of {$27.00}. A charge that I never made! To even double check, I reviewed my order history at XXXX XXXX XXXX XXXX and I didn't find any orders that were made on that transaction date or for that amount. 
I contacted TD bank 's customer service to dispute the charge amazed at how somehow the card could still be charged even after the account was shut down?! They let me know that the charge will be disputed. 
Today on XX/XX/XXXX, I received a letter saying that after investigating the charge, they determined the charge was valid and reversed the credit on my account because apparently the shipping and billing of the charge were my address. 
But I never purchased anything on that date or for that amount or even mistakenly received anything from the dept. store!!! 
And It's their mistake for allowing a charge to be made on a closed account and they refused to transfer me to the fraud department. 

I had this card for all of 3 months and I never as much trouble with a credit card as much as this one or dealt with such an incompetent customer service!!
XX/XX/XXXX I took out a loan to refinance my XXXX Buick Encore from One Main Financial, XXXX XXXX XXXX XXXX XXXX, CO XXXX with XXXX XXXX. XXXX XXXX called and stated several times that she could consolidate the signature loan I had at the time and the new refinanced auto loan. She said I qualified for a good rate and could pay off my car in less time as my loan with XXXX XXXX. She said that my payment would be about XXXX per month in total. I went in on XX/XX/XXXX to do paperwork on the loan. On this date XXXX XXXX stated that I also qualified for an additional XXXX within the confines of the loan. She spoke and spoke a lot and I signed the papers as she printed them off. 

The following week, I received papers indicating the payoff of the pre-existing loan. Then on or about XX/XX/XXXX, I received a call from a women at the branch who would not identify herself. She said she was the manager and that the loan I received did not payoff the existing loan and that they would continue to take payments for that loan and for the new loan. She said that I had until XX/XX/XXXX to return the XXXX and the loan would be null and void. I had used the funds to pay legal fees so I did not have the funds. This women belittled me and stated that if I had read the loan documents I would know that the total loan would have been closer to XXXX. I would have returned the funds easily if I would have been called the XX/XX/XXXX. I am currently paying this company nearly XXXX per month. I feel I was a victim of fraud and mislead. I feel I was pursued with malice. 
I was also zealously encouraged to purchase the life insurance policy. 

I have suffered XXXX since XX/XX/XXXX and have been so impacted by this. I only now have been able to take the papers out and look at them. I have been making the payments faithfully.
We represent a seller in the short sale of his home. We have a Chase short sale approval letter that expires on XX/XX/XXXX. We scheduled this closing for XX/XX/XXXX and submitted the required closing docs for final approval to Chase via a message in XXXX on XX/XX/XXXX and asked them to open the closing task on XXXX as well. We also faxed the docs in and sent via an email to the Chase closer on XX/XX/XXXX. On XX/XX/XXXX, we had no reply from Chase, so we called them to open the closing task and found out our closer was not in the office. I said I needed the task opened and a supervisor needed to be contacted as our closing was now only 2 days away. They opened the closing task XX/XX/XXXX which we promptly completed on XX/XX/XXXX. I called again on XX/XX/XXXX and reached our closer. She indicated that she was out of the office Mon - Wed XX/XX/XXXX to XX/XX/XXXX due to a family emergency. I asked her for status of our final HUD approval and she said nothing had been done with it once she reviewed the file. She said she would try to rush the final review, but no promises. I called back again on the morning of XX/XX/XXXX ( scheduled date of closing ) only to be told that Chase could not accommodate our closing on XX/XX/XXXX and to submit a closing date amendment to extend the closing out 7 BUSINESS days along with a revised closing stmt dated 7 BUSINESS days out. I told them that this was unacceptable as we had done our part to get the final required approval and that Chase had dropped the ball. Buyer is going to have to pay {$510.00} to extend their rate lock that expires on XX/XX/XXXX. Buyer has items on a moving truck to move in today. Not sure what is going to happen to those items or who is going to pay to have them stored for 7 more BUSINESS days or where the buyers are going to live in the meantime. This is not a rare occurrence for Chase - this is a repetitive problem with Chase 's closing procedures. Other major lenders can approve a final HUD for closing in under 24 hours ... .Chase requires 5 days and then it still gets delayed. I ran this all the way thru a manager at Chase escalations and only got lip service.
I have disputed the student loan account with Experian for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB, please step up and delete these negative accounts asap. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Nationwide continue to call and harass me everyday at home at my job trying to collect on a debt is was paid satisfied. 
This company is breaking the rules!!!! 

Under the FDCPA, debt collectors are not allowed to : call you before XXXX XXXX or after XXXX XXXX.contact you at work if you 've told them verbally or in writing that your employer does n't allow you to get such calls in the work place harass or abuse you or anyone else they contact about you. 
lie about the amount you owe use deceptive methods to collect a debt from you. For example, they may not : falsely claim to be law enforcement officers claim that you 'll be arrested if you do n't pay your debt threaten to seize, garnish, attach, or sell your property or your wages -- unless they are permitted by law to do it and intend to do so give false credit information about you to anyone, including a credit reporting companyuse a fake company name
My family was scammed out of a home we tried to purchase. We made 2 payments of XXXX $ via XXXX to XXXX as a down payment for a new home. First payment was made on XX/XX/XXXX and second payment was made on XX/XX/XXXX. I notified my bank and they restored my money along with a new card. They just sent all the money back and charged me causing me to go broke and late on payments. We have a police investigation open as well case # XXXX in XXXX
Debt continues to be reported as an unpaid collection account. This was paid in full and verification of that payment was provided to this collection agency via certified mail with return receipt attached. This needs to to be removed.
I have called the company on and spoke with representatives there XXXX times about this issue about my balance. I have been to the balance will update by the middle of the month. This has not happened and the old balance is still reflected and now their is a new balance required that I do not intend to pay before contacting legal counsel. This company appears to disregarding my last payment XXXX entirely. The showing balance of XXXX was my last statement balance and I have the records to prove this. Notwithstanding I stay updated on my account with this company at all times. I have had trouble with this company and I have another complaint for which is being addressed also. Nevertheless, my balance is improper and is XXXX plus accrued interest but not XXXX. Essentially I am paying principal now. I believe this is part of a harassment attempt by this company as your records ( at cfpb ) shows past complaint ( s ) against this company.
On XXXX XXXX, 2015 I tried to pay by debit card a massage service, but the card machine did n't work, so I paid by cash {$64.00} plus tip. However the bank Wells Fargo debited {$64.00} on my checking account. On XXXX XXXX, 2015 I went on the brunch XXXX XXXX XXXX XXXX, I talked to XXXX XXXX XXXX XXXX, who was n't nicely at all, he was unrespectful making jokes with XXXX, saying " he was really busy to take care claims from clients, but anyway ''. 
He did n't accept the card notes from the massagem business, I went to XXXX business XXXX times, on the XXXX time the girl from front desk accepted to buy a receipt paper, because the business does n't have receipts, they do n't work like serious business, I guess. 
So I came back to the bank and I requested to talk to the Manager, XXXX XXXX, he talked to claim department and explained the business filled with my informations and said that I paid {$64.00} by cash per services and the card did n't go though on Saturday. XXXX XXXX sent all proof by fax and he checked with Claim department if everything was enough. He told me to be calm everything would be fine and I would receive my money back, and he was a patient and nice manager, so I did n't close my account on Wells Fargo. A bank which does n't trust in our clients is not a good bank. Also this happened in XXXX PA. 
On XXXX XXXX, I traveled to XXXX and I moved to XXXX on the beginning of XXXX. Today, XXXX XXXX, 2015 I checked my checking account and I saw - {$64.00}, so I researched what was that, then I got the informations from Claim Department that the receipt was n't enough, I need to go the Business and request I printed receipt or something like that. 
How I can come back to XXXX to request a receipt from a Business who already had problems to fill the basic one? 
How can be possible a bank like Wells Fargo who says they care about costumers said to me, " Im sorry I ca n't help you '', if the bank who I trusted to work with ca n't help me, who can? How I can prove Im paying XXXX for XXXX single massage, a service I got because I hurt my back and I could n't walk. 
I ca n't go to XXXX right now and I do n't agree to pay XXXX for a bad machine.
I lost my job XX/XX/XXXX and being over XXXX and a XXXX veteran, I have n't found a job. When my unemployment ran out, I could n't make the {$1100.00} monthly mortgage payment to Wells Fargo ( WF ). I tried working with them to do a modification. I even did a three month trial of {$550.00} a month XX/XX/XXXX. The month I receive a tax refund I paid {$700.00} to show good faith. I have been through XXXX preservation specialists since no one at WF can read. In XX/XX/XXXX WF finally sent me a set of modification paperwork. The property description on the paperwork is wrong. I have the mortgage with WF on the house and XXXX acres. At the time the VA would n't loan on more than XXXX acres. The other XXXX acres have a lien on them by another bank. I have tried continuously to help WF correct the property description. The county assessors office does n't care about my having XXXX parcel descriptions. Since it is one contiguous piece of land that is what they tax. One day I sent XXXX copies to every fax number I could find for WF. I have tried to work with the executive office, XXXX . XXXX XXXX ( XXXX XXXX ). My previous payment was {$1100.00} monthly. Since I lost 80 % of my income I can no longer make a {$1000.00} payment. I have been sent several sets of modification paperwork in which the description is wrong and the interest rate keeps changing. My legal counsel advised not to sign paperwork with the wrong description. In XXXX XXXX XXXX XXXX and I telephonically discussed the fact that my modification has been in process for over 2 years. I explained to him that I have completely cooperated in trying to correct the description and that I should n't be punished for WF 's inability to do there job. He agreed and the loan should be based on the XXXX XXXX amounts. When I spoke to him two weeks later he said that I would have to pay the whole amount to bring the 'loan current '. I then switched to doing everything by email. My preservation specialists continues to call and wo n't answer my emails In the meantime while all of this has been going on my credit score has gone from the high XXXX 's to XXXX and lower. I have a 13 % car loan. I have been paying higher interest and had credit limits lowered or accounts closed out because of WF 's stupidity. On Thursday XXXX XXXX, XXXX they sent me modification papers with the whole amount ( {$150000.00} ) included with a first payment date of XXXX XXXX, XXXX. WF was starting me out 60 days behind and a payment equal to what I was paying when I was working. I could n't pay the original payment when I lost my job and I cant pay that amount now. I even suggested WF combine both mortgages then WF will have right and title to the whole XXXX acres and the money I am paying monthly for the second mortgage could go towards the payment. As a side fact, my house has been listed on XXXX and I have people coming it up wanting to 'view ' it. I am constantly being threatened with foreclosure. This has been going on for three years and I am on the edge.
My mortgage was taking over by a bank in XXXX and someone reported it to the credit bureau for XXXX and I have document from the court stating it so, what can I do about it?
Several transaction posted to my account which were not authorized or duplicates. I contacted the bank to dispute these which was done without issue. I was informed by the bankers loss prevention department on this day XXXX XXXX that the bak placed a freeze on the account to keep it from going more negative and I asked if the account was being closed. They said no it was not and to call back once the disputes had gone through and any remaining negative balances were resolved and that the accounts would be unfrozen, no issues. Cash was deposited today to cover any remaining amounts overdrawn and to cover an outstanding check that was written. The bank gave me to run around for several hours and refused to release to hold on the account, even to give me back the cash that was deposited just hours before. One branch manager at the XXXX XXXX XXXX XXXX XXXX named XXXX refused to help me and told me I needed to leave when told that I would be contacted the CFPB if this was n't resolved. The bank is still refusing to release to hold or release my funds and the banker I worked with before the mananager told me he did n't know when, if the funds would ever be unfrozen.