WillisBack/dataset-financial-user-claim huggingface dataset:
This is an entry for collection for a debt that says I owe a debt of {$550.00} to this company called Trident Asset Management. This a place whom I have never done business with. I have never opened an account with them. I never signed any contract with them for anything either. So they have the wrong person and this is inaccurately being reported and reflecting bad on my credit report. I bet they can not show you anything that I bought with them bearing my signature or a contract that I signed that shows that I owe them anything.
Chase mortgage offered us an attempt to receive a modification or repayment plan last year in XXXX. If we were to be denied the modification they would foreclose on our mortgage. Chase had already denied us XXXX attempts for modification therefore we chose the repayment plan. We were instructed not to give any payment until XXXX of XXXX ( amount of {$320.00} ) and continue with XXXX payments of {$1100.00} ending on XXXX of XXXX. During the whole plan they would place our payment in suspense for a month each month. Then when we gave our last payment on XXXX XXXX, XXXX they called us to inform us our payment was for XXXX, XXXX and that we were late a payment. Chase also indicated that they had {$380.00} in suspense after we gave the last payment because we did not pay enough to cover the XXXX payment. Our repayment agreement states that once we gave all the payments ending on XXXX of XXXX we would be current. We fully understand that we had an escrow shortage for the year ending in XXXX and our payment increased beginning in XXXX for monies owing of {$130.00} ( {$43.00} times XXXX ) which is for XXXX payment amount differences. In XXXX they paid our house insurance which is after the escrow analysis in XXXX of XXXX and they are asking for that SHORTAGE amount now not until XXXX, XXXX as should be. Our payment was already increased for shortages for last year as explained above. They are stating that our payment was not enough to cover our payment because the increase of the insurance. Usually the shortage for this year is collected the following year or you are given a choice to make up the difference for your payment not to increase. The biggest complaint is that according to Chase we have not made the XXXX payment and we have paid every payment as asked for other than the new payment difference to cover the escrow payment difference for LAST YEAR. The manner of showing a payment not given to cover following year 's shortage does not seem to be as in our original mortgage loan documents to be collected the following year and addressing the shortage as a late payment does not seem to be right. We fully understand the shortage has to be paid we just never have seen it collected as a late payment unless the payment was assessed in XXXX which it had not because the shortage is for XXXX.
On XXXX XXXX i was charge to my bank account {$170.00} XXXX XXXX XXXX DEDUCTIBLE XXXX XXXX XXXX XXXX PA {$170.00} I never gave no Authorization for this merchant to charge my debit card for this amount and i file a dispute with TD BANK and they Have Denied the Claim cuz they said that no error occurred and TD Wants me to provide additional documents that i really do n't have at the moment please help me with this situation this is fraud i and the bank closed my debit card and they gave me a replacement debit card for this transaction wont occur again. TD Bank they are not really helping me to get this issue resolved i never authorize them to take money out my account.
I have had repeated issues endeavoring to obtain a loan modification from Wells Fargo, with my having remitted the last XXXX months payments in good faith, all of which were accepted by Wells Fargo, though apparently I was denied for a loan modification. To further compound the matter, they indicated on their website relative to my actual loan that I was " pre approved '' for a loan modification. Upon calling today, I was told they knew nothing of what they inputted. Not only strange conduct, but frankly it amounts to intentional or at least negligent infliction of XXXX.
paypal for the last two months hasn't been withdrawing for my checking account like it is set to and chagrining things to my paypal credit card, even though the settings is checking account first, and in their own words if it wasn't set up it would do balance first, then bank, then paypal credit card and so on, they aren't not doing that., they replied back on the same complaint XXXX, on my their web site these payments to XXXX  XXXX XXXX XXXX and dollar shave is set to my checking account, the photos shows that and the old photos showed that also, and the still doing it.
I spoke to these people in XXXX of XXXX. I set up an arrangement using my debit card. My debit card was canceled due to fraud activity. I inadvertently neglected to call the debt collector and provide updated banking information. Today, XXXX/XXXX/XXXX, the company, XXXX XXXX, called. I explained that I was at work and I could not talk or make a payment. They pushed the matter and then got really nasty with me. XXXX XXXX XXXX threatened me with civil action if I did not pay. I said I was willing to settle this but could not do it at the moment because I was at work. He said " I 'm not calling you from a garage. I am at work too. '' I told him I did not appreciate his tone, and being rude was unnecessary. I asked for a number to call him back at. He provided me with XXXX. I want to note that this company called me from XXXX which is a NJ number. The XXXX number he provided is for NY state.
In XXXX 2015 I mailed out a check for {$890.00} to XXXX XXXX who is my landlord. This check was for my rent. This check number was XXXX. On XXXX XXXX I noticed the check was cashed against my account. On XXXX XXXX My landlord called me and stated she still had not received the check. I then went to XXXX bank and they printed out the check for me. The signature on the back of the check was signed XXXX XXXX. I filed a claim with XXXX bank on XXXX XXXX stating I did not give XXXX XXXX permission to cash my check. The claims department stated they did not receive my claim and I had to go back to the bank 3 times to resend it. They finally received the claim on XXXX XXXX. I called XXXX claims department to check on the claim and they stated the claim was approved and I should have the money in my account 3-7 business days. On the 6th business day I called again to check on when I was getting my money and I was told the claim was n't approved it was actually denied. XXXX then told me they got Bank of America to reopen the claim and it should be completed within 30 days. I then received a call from XXXX XXXX from the XXXX XXXX station where I currently live. He told me the cops found XXXX XXXX XXXX in possession of my mail and about XXXX other victims. He then asked if I wrote a check to XXXX XXXX for {$890.00} and I told him yes. He said that this suspect by the name of XXXX XXXX XXXX was arrested for fraud and that they had the suspect who stole my check and gave me a police report number. The report number is XXXX. I then called XXXX and gave them the police report information. I was then told on XXXX XXXX 2015 that XXXX sent Bank of America a demand letter. On XXXX XXXX XXXX did a follow up with Bank Of America and Bank of America stated an expected date of completion would be XXXX XXXX. On XXXX XXXX XXXX informed me they closed the claim due it being beyond the 120 days that they had to work on this claim. I called Bank of America and all they would tell me is that they denied the claim with XXXX. If this matter is not resolved I am going to follow through with a lawyer and sue for this amount plus more. This has cause me to have to move and put a lot of stress on me after I gave birth to my son.
For the past year or so, I have had my American Express account set to autopay the full balance from my checking account, through Amex 's bill pay feature. I changed that to pay only the minimum due, as I decided to carry a balance for a time. The XXXX payment was NOT taken from my checking account, and when I called Amex they told me that " the change can take two months to be effective. '' I immediately paid the minimum due, and while on the phone with the representative asked to correct the issue so that my autopay made the minimum payment due by the due date. This change was made by the representative while we were on the phone. 

The change the representative made was wrong, however -- and the XXXX payment took the entire balance, over {$8000.00}, from my checking account. I tried unsuccessfully with my bank to stop the payment, but when that did n't work I talked to Amex on the phone, who said once the payment had cleared they would accept my request for a refund of the excess payment. 

I called the next day, and asked that the excess be returned to me via ACH to my bank account. They agreed and said it would take " a day or two. '' Wednesday, five days after the initial payment was incorrectly taken, I got a message from Amex that they were unable to electronically process the payment, and were sending a check instead. Via electronic chat, a representative assured me that the check was sent " within 24 hours of my request, '' that they could cancel the check and issue ACH, but that it would probably be quicker to wait for the check. 

Friday, now XXXX days since issue began ; I have still not received the check and the online representatives could offer no better explanation than " the check is in the mail. '' My account shows that the balance has been adjusted to my account as of XX/XX/XXXX, but still no indication that the refund has taken place. Clearly anyone who said " it 's on its way '' prior to Wednesday was being untruthful. No responses to my requests for check number or postmark date. Supervisor " XXXX '' offered Wednesday to " personally follow up via phone '' no later than Thursday -- to no avail. 

I believe American Express has deliberately and systematically taken steps to delay their return of my funds to use my money in the " float. '' As of XX/XX/XXXX I am now incurring interest on money they have yet to return to me.
XXXX ... Fraudulent Charge on account in my name from several years ago at a rental property I own. Equifax has continuously rejected my request to delete.
Today, XX/XX/XXXX I received an email from XXXX XXXX that a collection account had been placed on my Equifax Credit file. The company name is XXXX XXXX. I disputed this account because I did n't have a contract with this company and I never did business with them. The collection account was removed from my file and now Equifax has allowed them to place this account back onto my file without by law notifying me within 5 days. This account needs to be removed and this company needs to be sanction for improperly places accounts onto consumers files. Please investigate Equifax and make them aware of these are unlawful practices.
On XXXX XXXX, 2018, XXXX CST, I received a phone call from XXXX who works with Receivable Performance Management. I asked XXXX what was this about and he said they are collecting a debt. I advised XXXX this is my first time hearing of this did he send me a letter in writing to notify me of this debt. XXXX advised me that would be redundant. I asked him well, how would I know who to pay, what, when to pay and he advised that the person I owe would have sent me a letter. I advised him since this is my first time knowing of this via phone call, I asked him not to correspond with me via phone, only in writing and that 's when the phone disconnected. Lo and behold, I pulled my credit report and notice this same company reporting.
I was attempting to check mortgage rates on the Quicken website. When I needed to pretty much submit an application to get a rate, I exited the website. I have received three robocalls within 24 hours since then from Quicken and another loan company. The first call from Quicken was about XXXX seconds after closing the internet browser. I told the Quicken employee to remove me from their contact lists and I wasn't interested in applying for a mortgage loan. I am concerned that my phone number is being sold to illegal robocallers.
on several occasions I have submitted request for this company to remove the inaccurate information from my credit profile and my request have been ignored. they are reporting XXXX  Reported on XX/XX/2009 {$140.00} Item Results Result : Verified As Accurate And Updated - It looks like this item is actually correct and that it's going to stay on your credit report, but info has been updated to reflect recent activity. 
Dispute Reasons Accuracy : This account is too old to be on my credit report. 
The creditor agreed to delete this account.
I sent a certified letter of request to all XXXX CRA 's in XXXX, XXXX, to remove from the record a XXXX, XXXX, Chapter XXXX bankruptcy. I based this request upon having first disputed the public record in XXXX, XXXX, to verify the public record, and then again in XXXX, XXXX XXXX Equifax Confirmation # XXXX XXXX, as to its source of verification. All XXXX CRA 's stated that each has verified the source that furnished the information and that " the public record is reporting correctly. '' I then reached out to the XXXX Bankruptcy XXXX XXXX Arizona to request how it reports bankruptcies to all XXXX CRA 's. I received a detailed letter dated XXXX XXXX, XXXX, from the Deputy Clerk of the XXXX Bankruptcy XXXX XXXX Arizona, XXXX XXXX, in which he states that " the bankruptcy courts do not provide information to the credit reporting agencies, '' and credit reporting agencies and " other providers '' get their information gleaned from public notices. I sent a copy of this letter to each CRA, along with a copy of the FTC-FCRA Opinion XXXX legal statute generated as a result of matters such as this in which CRA 's argue each has verified the public records with the source, but the actual sources argue they never furnish public record information to any of the CRA 's. When I called on each CRA to immediately remove my bankruptcy public record as a result of the letter from my bankruptcy Deputy Clerk and the legal statute protecting consumers from false information being reported by CRA 's, only Transunion deleted the bankruptcy public record. Both Equifax and XXXX although promptly responding within 30 days to my certified letter request to remove the bankruptcy public record, as a result of my written request denied it with only a result of that the record remains, and that " I must contact the furnisher of the information. '' Frustrating! Aaaaargh! However, again, I did this to begin with -- hence, how I received a letter from the XXXX Bankruptcy XXXX XXXX AZ in the first place stating it does not furnish information to the CRA 's, and so I provided a copy of this response to each CRA. Again, only XXXX promptly deleted the public record. Both XXXX and Equifax either will not or denies there is enough evidence from me to have them delete the record. Equifax even went as far as to state, over the phone, that I need to have a legal letter of expungement from a court to have this public record deleted. This is absolutely false and untrue. This is a direct violation of the XXXX XXXX XXXX legal statute protecting consumers. Each CRA has a copy of the letter from the XXXX Bankruptcy XXXX XXXX AZ. What more damning evidence does XXXX and Equifax need before it promptly and legally deletes this public record from my credit reports? I am simply dumbfounded by what I can only construe is arrogance and a staunch stance by XXXX and Equifax to not remove this public record in spite of evidence showing each has lied or misrepresented itself and thus is refusing to acknowledge the XXXX XXXX XXXX XXXX statute regarding my dispute as well as the letter from the XXXX Bankruptcy XXXX XXXX Arizona.
My wife is a surviving of a   XXXX   XXXX   XXXX   and she has no ability to make decisions on credit, nor does she have an income. I recently discovered that she had a balance of $  XXXX  with Citi and I wrote them the following letter. I think they are a predatory lender, preying on the mentally  XXXX  by offering them credit cards that have no hope of being repaid.     The following letter explains the whole situation.     **********************   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , SD  XXXX  Dear Citibank, It has come to my attention that your company issued a credit card and extended credit to my wife,  XXXX   XXXX . Her card number ending in  XXXX .     Her contact details are ;  XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX , CA  XXXX  This is an unfortunate situation as my wife has no mental capacity to contract with you for a lending product, especially a credit card.     In  XXXX , my wife  XXXX  fell out of a third story window in  XXXX   XXXX , and suffered life threatening injuries, including a  XXXX  (  XXXX   XXXX   XXXX  ), and mentally she has no capacity to enter into legal contracts.      One matter that concerns is that she has no material income, s o I am curious how you could have possibly underwritten her for a card. There are many technologies for verifying income, such as  XXXX   XXXX   XXXX  offered by  XXXX , the ability to review bank account details for obvious paycheck deposits, or as a last resort manually verifying paystubs. You not only contracted with someone without the required mental capacity, but you contracted with someone with no income. This does not meet the definition of responsible lending practices, and regulators will view this as the practice of a predatory lender, preying on the mentally  XXXX .     I feel very strongly that you have taken unreasonable advantage of a mentally  XXXX  person, while earning a great deal of interest, and I will be reporting this to both the CFPB and the California Department  of Financial Institutions as this is frankly unsettling and outsid e reasonable lending practices.     I will give you the benefit of the doubt that this is a clerical oversight, and if you provide documentation releasing her from these obligations, I will not report your organization to the CFPB and   XXXX   XXXX  . If this matter proceeds in a negative manner, I will be hiring legal representation for my wife and reporting your bank to the regulators mentioned.        XXXX ,  XXXX   XXXX , husband of  XXXX   XXXX
In follow up to the complaintXXXX, I have asked Chase to provide me the Appraisal that was done on XX/XX/XXXX which resulted in the amount shown on my original contract. I have paid for the appraisal and need a copy of it, they have refused to send me a copy or they did not actually perform the appraisal. Each time I request the XX/XX/XXXX appraisal they will forward me an appraisal that was done on XX/XX/XXXX.
I have had my car that is finance through XXXX XXXX XXXX for 2 years as of XXXX. Since XX/XX/XXXX the was no longer reporting. I have back in fourth for almost a year with the finance company and the credit buruea on which both are stating that are not at fault. I also back in XX/XX/XXXX submitted a complaint through this agency Consumer Protection and back in XXXX I stop receiving updates and no response of the status nor when I looked online.
I have asked for Bank of America to provide me with a copy of the authorization agreement to prove I requested the account to be opened in my name. They have n't sent anything but billing statements which do not legally prove I requested the alleged account to be opened in my name and a letter I will attach.
There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. 

I have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from.
This Encore company has called me at least 4 times a day nearly everyday, including Sundays and Saturdays, as early as XXXX XXXX. They will all and hang up as soon as I answer, or they will go to voicemail and leave no voicemail. When I call back sometimes they hang up on me when I demand more information from them, since they are asking me for my information. The calls are 100 % harassment and I have already asked them multiple times to only correspond with me via standard mail, as my job requires me to wear PPE which I must remove every time I get a call. They are impeding my ability to perform at work and to rest at home. Totally predatory and non helpful, this is not the first time this company has been in trouble for this.
On XX/XX/XXXX, USAA reversed a temporary deposit credit of {$60.00} from a poorly handled dispute opened on XX/XX/2018 On XX/XX/XXXX, they submitted another credit reversal for {$60.00} leaving my account {$48.00} negative. I have tried earnestly to reach someone with USAA dispute department to no avail. There were multiple representatives handling my personal information and I know this dispute has been handled poorly and unprofessionally. I would like them to return the {$60.00} they inadvertently took and close this dispute so I can leave USAA entirely. This is the second complaint I have made regarding USAA handling of my accounts and the dispute department.
They keep sending me letters with my name spelled incorrectly they keep spelling XXXX XXXX XXXX XXXX and my name XXXX XXXX XXXX XXXX ( not XXXX ) please fix that immediately and i told them to delete every address thatt dont belong to me and they still havent, i never lived in none of the address below please delete which is XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX, texas XXXX and XXXX XXXX XXXX XXXX XXXX tx XXXX