WillisBack/dataset-financial-user-claim huggingface dataset:
HUNTER WARFIELD A COMPANY BASED IN XXXX FL THAT ACTS IN BAD FAITH AND TRY TO USES BULLYING TACTICS TO PREY ON INDIVIDUAL ALL OVER, NOW THIS COMPANY WE WENT BACK AND FORTH WITH CORRESPONDENCE I STATED TO THEM TO IDENTIFY THEMSELVES PROPERLY THEY DID NOT THEY GAVE ONLY THEIR NAME AND THEY WANT TO COLLECT A DEBT, THEY PRESENTED ME WITH A DEBT IN 5HE AMOUNT OF XXXX, I DONT KNOW WHAT ITS FOR HOW THAT DEBT WAS CALCULATED I NEVER AGREED TO THAT DEBT WITH, ANYONE I ALSO TOLD THEM DO NOT REPORT ANY ADVERSE INFORMATION ON MY CREDIT FILE UNLESS THEY CAN PROPERLY VERIFY EVERYTHING TO ME THEY WENT AHEAD AND REPORTED THE INACCURATE INFORMATION ANYWAYS, THIS IS THE WAY THIS COMPANY OPERATES, THEY PRIDE THEMSELVES ON USING STRONG ARMING TO GET YOU TO PAY DEBTS NOT OWED, THEY NEED TO REMOVE THIS ACCOUNT FROM MY CREDIT REPORT ASAP, THEY PROVIDE INFORMATION THAT IS SCKETCHY, INACCURATE AND INCOMPLETE ALL FCRA VIOLATION AND THINK THEY CAN ABUSE PEOPLE HOWEVER THEY WANT ... PLEASE REMOVE YOUR DEROGATORY LISTING FROM MY CREDIT FILE
I have disputed an account with XXXX and the credit agency kept it on my credit. XX/XX/2016 experian sent me an email stating someone used my information to obtain a cell phone and therefore they would remove it off my credit and offer credit monitoring.
In XXXX XXXX, I opened a credit card account with Bank of America. It was a transfer balance of {$5000.00}. There was a fee of {$150.00}. The due date of each month was the XXXX with a minimum initial payment of {$51.00}. Now both my wife and I have excellent credit but for some reason I never could seem to find a rhythm with this card. I always paid much more than the minimum but inadvertently missed payments on occasion and/or was a day or so late. Part of it was I was out of town on business a bunch during early XXXX and just was losing track of things. I missed my initial payment in getting the account set-up ( made up in the next payment of {$500.00} with more than the minimum due for XXXX payments ) There was one more payment I missed in XXXX. In XXXX I continued to be late missing the cutoff on XXXX payments and paying late fee each time. As I said I was out of town for much of the first 5 months of the year. Then on the 5th and 6th payments in XXXX starting XXXX/XXXX/XXXX I paid XXXX payments one of {$500.00} and then {$2000.00} for a total of {$2500.00} on the account leaving a balance of {$1600.00}. The next payment I paid {$750.00} leaving a balance of {$920.00}. The next XXXX payment I inadvertently missed again and was charged a late fee of {$25.00} and then {$38.00}. Then on XXXX I paid {$100.00} and on XXXX $ XXXX.The remaining balance was {$370.00} which I paid in full, but unfortunately 2 days after the XXXX cutoff posted on XXXX. I was charged additional {$25.00} late fee even though I paid it in full and there was now no balance due. I called to get the {$25.00} charge reversed for the XXXX statement and was denied even though the account was now paid in full AND since the account was open in XXXX XXXX ( over a year ago ) I had only asked for XXXX reversal which was the initial payment in XXXX XXXX. Essentially we had paid {$260.00} in late fees from opening XXXX to paying off the account in its entirety XXXX. I asked them to reverse the very first payment late fee and the very last for a total of {$50.00}. I asked for nothing in between and took responsibility for those late fees, but the very last one while I missed the cutoff I did pay in full {$370.00}. We really thought with all the fees and the fact we have good credit and always paid much more than the minimum that last late fee was out of line. When I called to have it reversed in XXXX, they denied that last reversal. Are they in their rights? I suppose one could say they were, but they made lots of money off of us and that last reversal cost them any future business with us all for {$25.00}. I called one last time today as I was going over the finances for tax purposes and was reminded of this matter.They still denied the {$25.00} reversal of the last late fee. I think they took advantage of us and that is why I am writing today.
I recently became aware of a loan they received against their equity line in XXXX. The initial loan is listed in the amount of {$50000.00}, in which they used {$25000.00} to pay for repairs on their home they 've lived in since XXXX. The loan was issued with an adjustable interest rate. As of date, they have paid interest on the loan in a sum that is well over the amount of the {$25000.00} they 've used. 

They were solicited by Chase and refinanced their main mortgage in XXXX. My concern is no one advised them to wrap the adjustable equity line with their primary mortgage. I am writing to request your investigation into this matter and to come up with solution to resolve the equity line loan amount by wrapping it into their main mortgage or any other sensible option. I am aware that a refinance may be the solution, however, they are not in a financial position to pay any additional fees.
I provided computer consulting services for six people via the Internet. I was paid for my time and expertise with XXXX. 

To confirm that the customer was authorized to use the XXXX payment method, I requested a photo of their ATM debit card. This card 's name matches the XXXX name. 
Only the legitimate owner of an account would have the ATM debit card and online XXXX access. 
There is no chance that a thief or phisher could hold both the physical card and online access. 
The only conclusion is that the customer is fraudulently filing a chargeback. 

If there is a chance of someone stealing a debit card and then getting XXXX access, that is the negligent fault of the bank and the bank should bear the cost of the fraud due to poor security. 
Please restore the funds to my Wells Fargo account : 1. XXXX XXXX = {$990.00} ( Wells Fargo Customer ) 2. XXXX XXXX = {$500.00} ( XXXX XXXX XXXX Customer ) 3. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer ) 4. XXXX XXXX = {$490.00} ( XXXX  XXXX XXXX Customer ) 5. XXXX XXXX = {$1400.00} ( XXXX XXXX XXXX Customer ) 6. XXXX XXXX = {$990.00} ( XXXX XXXX XXXX Customer )
A collection company named XXXX has reported a debt for a medical service I did not have with XXXX XXXX XXXX. Ive  contacted XXXX XXXX XXXX numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
I initially had a loan with XXXX XXXX in XXXX, LA and had been doing business with them for about 4-5 years. They were bought out by Tower Loan a few months ago. Their employees and customer service is HORRIBLE!!! I am currently experiencing a financial hardship and have been for about 2 months so my payment has fallen 30 days behind. I have explained to them that my husband is on XXXX and has had 4 XXXX XXXX in the last 5 years. Last month ( XX/XX/XXXX ) they called me and for the payment in which I informed them would be late. I spoke to their manger, XXXX at the time. He threatened court costs and fees if I did not make the payment within 1 day of his call. I was able to stretch and make the payment by borrowing money from my mom which put me even further behind and naturally continued into the month of XXXX. They are aware that I get paid bi-weekly and that my husband receives his XXXX at the end of the month but insist on calling me on the weeks I do not get paid and I have been in constant communication with them regarding when we get paid. Today, XX/XX/XXXX the office in XXXX, LA called me again 3 times within 1 hour and did not leave a message. Needless to say I was at work making money to be able to pay them. I called them back and spoke to XXXX, I informed her that I was hopeful I could pay them on XX/XX/XXXX when I got paid but was unable to due to other obligations and that it would definitely be on XX/XX/XXXX when I get paid and again on XX/XX/XXXX when my husband receives his XXXX. She immediately got rude, belittling and harassing telling me that if I did not pay by XX/XX/XXXX they'd put court costs on my account of {$220.00} to accommodate for me and my husband being borrowers on the loan, I told her that was a scare tactic and that I could not pay them until I get paid. I asked to speak to the manager which is now different than last month, her name is XXXX. XXXX did the same thing and told me she needed the payment by XX/XX/XXXX or she would be placing the court costs on my account and / or they could come and pick up the collateral which secures the loan. I gain tried to explain my situation and assured her that payments would be made on XX/XX/XXXX and XX/XX/XXXX. I asked for the distract manager 's name and number and asked for that person to call me. XXXX assured she would email him to contact me by the end of the day and Mr.XXXX XXXX has yet to do so. I also explained to XXXX that I have a loan with another one of their offices in XXXX, LA and informed her that I was facing he same situation with them last month and this month and that they have not spoken to me nor treated me the way that their office has. I asked if they were definitely the same company which XXXX confirmed they were.
I NEVER filed chapter XXXX bankruptcy. XXXX is reporting ( acct # XXXX ) that I did a chapter XXXX bankruptcy which is a complete lie. Today I received the results of an investigation from a dispute I did with transunion numerous times. It is still reporting as paid through chapter XXXX. My biggest question is how can a bank report such a lie. I also did this dispute again probably for the XXXX time and transunion told me it would take approx 30 days for the results of the investiation. There investigation was way too quick and I feel they did n't even investigate it properly. The rep at transunion told me that within 24 hours this will be internally removed as they saw I NEVER filed chapter XXXX. It is still reporting on my credit report. I have spent numerous days and hours on the phone plus writing letters requesting to please remove this wrong information as it is affecting my credit score in a very negative way. I have also contacted the XXXX XXXX XXXX in regards to this as they are breaking the ftc law. I am submitting this complaint again as having this wrong information reporting and transunion. I am also submitting this complaint as I had a tax lien in the amount of {$990.00} that was paid. For some reason it is reporting as XXXX tax liens XXXX for {$890.00} and another XXXX for {$100.00} which adds up to the true amount of {$990.00}. Another credit reporting agency has verified and corrected this finally for me but transunion did not do a proper investigation as it would have been verified and corrected. Having all this negative untrue wrong information is affecting me in obtaining substantial credit.
In XXXX 2015 I received a notification on my credit report that I had a XXXX collections for {$300.00} reported. I disputed the charge with all XXXX credit bureaus and it was removed because I was able to prove it was not mine. Present day, the same amount was transferred to another collection agency and once again is being reported on my credit. I have contacted XXXX XXXX and still have not received a response. I am also disputing with the current collection agency.
American Financial Resources is my mortgage servicer. My monthly payments includes an amount paid to escrow for insurance and property taxes. American Financial Resources debits my escrow account for disbursements, such as the property tax bill, but the tax assessor does not actually receive the check payment until 25-30 days after when the disbursement was taken from my account, meaning AFR is floating the payments to their benefit. Most recently they disbursed my tax payment on XX/XX/2016 for a bill that was due on XX/XX/2016. I called AFR customer service and they stated the check had been mailed on XX/XX/2016, yet as of XX/XX/2016 the tax collector has not received it. This is creating a problem for me as I am refinancing with closing the week of XX/XX/2016. The new escrow agent is reporting the taxes as up-paid and requiring me to pay twice, even though I have shown them AFR claims the payment was made. AFR should not be allowed to float the escrow payments as is their practice.
I called CAPITAL ONE Bank at XXXX ( XXXX ) XXXX XX/XX/18 at XXXX they say the can not do anything about it. 
And have tried solving the issue myself over the course of a couple weeks, I still finish myself unable to use external application with my bank account. This is my right to use as I see fit. I do not need barriers placed on my account. For about a year all my services worked and then suddenly it began to fail with connecting to capital one. App such as XXXX pay apps no longer function as intended. I dont not want to use capital one bank bill pay. I would like to have the option. I have apps such as earnin a payday app that requires to see my my banking transactions to see when Ive been paid, so it XXXX lend me money, and debit it when my payday arrives. I must call customer service every week and email them screenshots to continue using the application. THIS IS WRONG. My time and hours of the day I spend doing work arounds. If this is not fixed Im closing the account.
As per  XXXX  from Navient on  XXXX   XXXX ,2017 she has advised me she will HARASS my family and friends by phone every day until a payment is made. My name is the ONLY name associated with the account so they have no right to harass anyone. I considered this a threat.
Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.
Beginning in XXXX, Navient cancelled a reduced rate discount on my account. I contacted XXXXOmbudsman to outline the facts, provide proof. Navient is wrong & intractable ( denies facts ). 

Since then I became unemployed & have filed Unemployment & Hardship Deferments, as well as a complaint letter to Navient & a form to consolidate all loans. Navient delays processing these items, is obscure about the process, & maintains a website that is difficult to navigate. 

I 'd like all benefits restored, all obligations bundled into one, & loan conditions and schedule that I can afford.
I recently purchased a home and used a mortgage that is now being serviced by Shellpoint Mortgage. While there has been no fraud or illegal action of any kind, I simply want to complain about the extremely poor level of service and lament the fact that as a mortgage borrower, my options are completely shut down. If I am unhappy with many other financial products, I can do business elsewhere. Now that I am stuck with Shellpoint, I have no choice unless another company buys my loan. 

The poor level of service has to do mainly with their complete lack of communication. On their website, email contact info is provided with a commitment to reply to the email. I 've sent emails on at least XXXX occasions and have received no response in 4 months. Due to my need to follow up, I 've also called to address various things and while I get someone on the phone, when something has n't been done, they simply tell me they do n't know why and escalate the request. 
Today, I asked for a supervisor to just share my experience and was told no one was available. 
Right now, the issue is that I received a late notice from the XXXX for a portion of the tax bill due. I immediately brought this to Shellpoint 's attention around XXXX XXXX, shared with them that the due date was XXXX XXXX and was assured it would be addressed in time. 
Foolishly, I trusted this would happen. I called today XXXX XXXX XXXX ) and was told that it had not been done, was still being reviewed and had no idea why it was still unresolved. Again, my concern about the tax bill would be escalated. 

It would be great if there was some way to take my business elsewhere but I understand that the mortgage market is complicated but how else do we hold a poor servicing accountable?
I HAVE A WALMARKT CREDIT CARD I RECENTLY HAVE GONE THRUOUGH FINIACIAL HARDSHIP AND HAVE MISSED A FEW PAYMENTS. IT WAS CLOSED ON XX/XX/2014 XX/XX/2014
I have gotten a letter from a debt collector for a loan outstanding that I never had. I tried to tell them twice, that this is not my account, nor have I ever had a loan not paid. 

The debt collector 's name is, XXXX XXXX XXXX, NJ. 
I called them and told them this is not mine, nor did I see it on my credit reports in past, so apparently they are using my name and old address on the claim. 
What can you do about this, it seems they just want to harass me no matter what.
American Express closes my business platinum card and took away all points that I have accrued, both from promotional activities and normal spend. There were XXXX promotional points and approximately XXXX points earned from spending. I called them and they simply said that i do not have an account with them. Those points have cash value and they should not be able to remove those without any compensation. The account was closed in XX/XX/2018. 
I asked them to refund the points to me but they said no.
I have a a unverified account from I C SYSTEM INC. I had previously disputed this account. I have never done business with I C SYSTEM INC Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt I C System INC purport I owe. I request that I C Systems INC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that I C System lNC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
My mortgage company aused me {$220.00} in overdraft fees in my checking account because they tried automatically withdraw payments out of my account 6 times with out permission.
Comenity bank was attempting to collect a debt of mine that was from a credit card from XXXX 's. I got a letter in the mail saying Weltman , Weinberg & Reis Co. , LPA will be representing the current creditor ( Comenity ) for this debt. On XXXX XXXX 2016, I called Weltman , Weinberg & Reis Co. , LPA to discuss payment options and I set up an agreement that I would pay {$220.00} per month. Confirmation number : XXXX I called on XXXX XXXX, 2016 to pay my second payment and the woman on the telephone said that my balance is {$920.00}. This could not be possible because my original balance was {$1000.00}. If you take that number and subtract {$220.00} that equals {$800.00}. So, even though I paid them the monthly payment we agreed on, they only subtracted {$100.00} from my balance. I have attached documents to show my bank statement that shows my payment of {$220.00} on XXXX XXXX as well as all of the correspondence from the XXXX companies, most notably the past XXXX statements that indicate the original balance and the incorrect current balance. I had agreed to terms with this company to monthly payments and now they are threatening me because I have not paid that they are going to take additional steps against me. I refuse to pay this company any additional funds because I feel I am at risk of being taken advantage of.
I did not authorize this company to pull my credit on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX and it is affecting me getting credit.
I was shocked when I reviewed my credit report and found late payments on my credit report and balance on a charged off account. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
I have a car loan with XXXX XXXX XXXX AKA World Omni. They are reporting my payments late. I am current on my account. They have me as 60 days late on XXXX and I have called XXXX   about this issue and they have fail to correct it. I have also disputed this with the credit bureau as well and nothing has changed. I am current on this account.
buyer of our house had his loan not approved but we were not told about it until one week before settlement.Ourt contract was ratified on XX/XX/XXXX and Suntrust sent a pre-qualification letter for the buyer.Within 37 days after ratification, we were supposed to receive another written notification that the loan was going forward.We never received it but the loan officer told the realtors that all was fine and moving forward.We, in good faith, moved out, bought a new place in anticipation of the XX/XX/XXXX settlement date.One week before settlement we were contacted that there would be no settlement and the buyers loan had failed.We feel that there was a misconnect and transparentcy was missing in this transaction and loan process from Suntrust.The buyer received his deposit back because his loan failed.We are left with two houses, total upheaval of our lives and a lot of stress.
From XX/XX/XXXX to present, they have called repeatedly after I requested them to stop calling. These include two phone calls at XXXX on XX/XX/XXXX and XX/XX/XXXX. They also have made false and misleading statements.
I received an interim report and answer of garnishment for a debt that does not belong to me and is name on the case is not mine. The garnishment is another state and court of another state not of my identity.