WillisBack/dataset-financial-user-claim huggingface dataset:
My husband and I have only been with Westlake Financial services for a short time now but the problems we have encountered are beyond belief. My husband and I are military and due to this we both have POA 's over each other. I have sent in the requested POA 4 times and they can never understand how to read it or how to notate it in their system, it was supposedly approved by 2 managers ( XXXX XXXX and XXXX XXXX ) yet they also failed to notate it in the system. My husband also sent in two letters authorizing me on the account that Westlake said would help them yet every time we call there are no notes in the system under our account. Me and my husband decided that due to the numerous problems we encountered we would refinance through a different bank and therefore received a pay off check that we promptly sent Westlake in the mail. We put a tracking number on it as well as requested that the company had to sign for it in order to receive it so that we could see exactly when they received it from our side ( due to lack of ability to be honest with us in the first place and lack of ability to notate when things are properly received ). They received the check on the XX/XX/XXXX and when I requested to know when it would be posted Westlake stated that it would post in 24-48 hrs. Soon I called back because it did not post in the time stated I was than told by a different representative that it would take 3-4 days instead. I than asked to speak with a manager in which I was informed that the manager was unavailable. I asked for a callback and never received one so I than sent in an email and never heard a response there either. I than called back because 4 days had passed and no check was posted. I than was finally transferred to another supervisor that I had not spoken to before. This individual ( XXXX XXXX ) had assured me that the check would post by today or tomorrow ( Thursday or Friday at the time ). I than waited over the weekend until Tuesday in which no check had been posted STILL!!! I called back and was transferred around numerous times with still no answer! I was than hung up on twice in the process. This is a full pay off check and the way this company handles business and client relations is horrible! I have documented every conversation with this company, when I have called, why I have called, Who I spoke with every time! I am in need of answers and am not pleased with the lack of professionalism!
Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 

Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Security Bankcard Center , Inc. advertised as if they were ARVEST Bank. I have a corporate card. I have been paying my monthly credit card bills, up until XXXX 2015. I found out that Security Bankcard Center has been charging me over $ XXXX {$100.00} per month for my pending balance on my credit card. This was never listed in the contract that this company would charge in excess of $ XXXX {$100.00} for carrying a balance. They advertised in a false manner. I do want to pay the card continuously, but after the card company reimburses my card for all of the money they have charged over a year just because I had a certain balance. I do have the contract. I want this matter resolved fairly.
On XX/XX/2018 I was at a Chase Branch in XXXX XXXX, Oklahoma. I had explained to the Branch Manager that I was having difficulty paying all my bills in a month. She worked with me and said Chase has a Hardship Program. She called into it and gave her ID number and was transferred several times. When the gentleman answered in the department that could help with finical difficulties he talked to myself and asked me several questions about my hardship. He then stated that the settlement would be {$1500.00}, for both accounts. I didnt have the money to pay then. Since that time I have received a tax refund and set aside {$1500.00} and called Chase today. Today all they could offer is 90 % of the settlement instead of the 65 % that was offere 2 weeks ago. I asked for the recording, the name and ID and a supervisor at Chase would not disclose the information to me. I dont understand why I cant have that information or the same amount they were going to settle with me 2 weeks ago. When I called Chase today they acted like they had no record of anything but magically an application appeared with no information and just a employee ID number but saw no notes on the disclosed amount they offered 2 weeks ago. Spoke to a XXXX at Chase his ID NUMBER is XXXX. This supervisor was absolutely no help and would not and could not tell me any information.
My real estate taxes are $ XXXX/year and due on XX/XX/XXXX. As of my last statement on XX/XX/XXXX, Bank of America already has {$830.00} in escrow and will be taking an additional {$66.00} in XXXX and XXXX resulting in an escrow balance of {$970.00} to pay my {$730.00}. This is {$24000.00} more than needed. In addition, going forward they will have collected {$800.00} from me by the time my 2019 tax bill becomes due. My complaint is that the bank is withholding excess funds into my escrow account/
To Whom It May Concern : Be advised that this is not a refusal to pay, but notice that your claim is disputed and validation is requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to pay this debt. 



This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 



At this time, I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to reflect on my credit reports by your company, I will not hesitate to bring legal action against your company for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 



I am sure your legal staff would agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
In 2010 I acquired a Macy 's store card. A year or so later, I was informed that, because of my excellent credit, it was being automatically converted to a Macy 's American Express card. I have used it only for purchases at Macy 's and at XXXX. Today I received a notice from my credit monitoring service that I had exceeded the credit limit on my card. I checked my most recent statement and saw that the credit limit is {$2000.00} -- far above the {$340.00} balance from XXXX charges. I telephoned the customer service number on my Macy 's card statement and was told that it is a " XXXX in XXXX '' card. The {$2000.00} limit applies only to purchases at the store. Outside purchases are governed by a {$300.00} credit limit. I then phoned the XXXX customer service number and was told the same thing. I am furious and feel that this is deceptive. If there must be a discrepancy in the credit limits, that should be stated clearly on every statement. Remaining credit for Macy 's purchases : $ XXX.XXRemaining credit for other purchases : $ XXXX. 
I intend to cancel the card after paying the outstanding balance, but wanted to warn others about this practice.
Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you
There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!
Please refer to File # XXXX - which apparently is now closed by your agency. I 'm confused. XXXX XXXX XXXX by what was submitted on the above case sold a loan that was co-signed for by me to EOS. The loan was not defaulted on by my son, it was consolidated with his other student loans in XXXX, therefore they ca n't come after me for cosigning for something that is not defaulted on. I was never notified of any alleged default. The first I heard of it was when I started getting notices from EOS. This needs to come off of my credit report and this collection company needs to leave me alone. They are going after debt that is nine years old and is not real. Everything is explained in my dispute of XXXX/XXXX/XXXX in your file number XXXX I would appreciate your assistance in getting this cleared up.
XXXX XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 
My auto was repossessed by Santander when I parked my auto at the XXXX ( XXXX GA ). They advertised it was secure parking but Santander was still able to repossess my auto. The repossessing vendor stole several multiple items out of my automobile when I went to claim my personal belongings. This repossession took place on a private and secure property and should not have been allowed to happen by the property owners. 
XXXX MILES ( XXXX MINUTES ) FROM AIRPORT GENERAL INFORMATION : Secure, uncovered, self parking. Fenced, gated, and well lit at night. 24 hour video surveillance. 



COMPLIMENTARY SHUTTLE SCHEDULE : 24 hours a day - every 20 minutes Shuttle return instructions and phone number will be listed on your reservation receipt. 
Domestic Terminal Only.
Purchased money order for  XXXX  at   XXXX   XXXX   XXXX   in  XXXX   XXXX   XXXX  l pa in beginning os  XXXX   2017   . I submitted it for payment to   XXXX   XXXX     XXXX  for payment and it was cashed on  XXXX   XXXX     2017 a nd came back. To them as ndf on  XXXX   XXXX     2017.  Talked yo wedtern union  4  or 5 times and they said it went through on  XXXX   XXXX   2017    and thats all the info they had. Ive tried resolve the issue with   XXXX   XXXX   and no one is allowed to talk to the accounting department. They tacked on an additional  XXXX  to what i already owed and now wint ship my medicine. They lied and told me someone from accou ti g left a message on  XXXX   XXXX     2017.  I calleled  XXXX   XXXX   2017 an d yhey said theyd call that day.  Todsy is   XXXX   XXXX     2017 a nd no call fro.  Accounting. Whats the big secrect because not even customer service has a number for them. I filed a complaint with them about it today. I never heard of a money order that bounced and i need help and a quick resolution. Western  union number is  XXXX . The money order number is  XXXX .
Santander ( then XXXX Bank ) made a banking error on XXXX XXXX, XXXX wherein they paid a bill from a closed account that, as it turns out, they never actually closed. We IMMEDIATELY paid them back but they insisted they were in the right and charged us an overdraft fee that snowballed into a few hundred dollars. I fought feverishly with them to make things right. Rather, THEY PUT ME THROUGH HELL, in fact, I 've NEVER experienced incompetence quite like this in my entire life. At some point, they removed the interest and some other part of the alleged total due, leaving {$97.00} on our account ( that eventually got charged off ). FINALLY, in XXXX XXXX, XXXX provided a letter stating NO DELINQUENCIES which I provided to Trans Union. Upon following up with them, I discovered that they 'd not removed the 'derogatory ' info. I contacted XXXX INNUMERABLE TIMES to let them know that the negative info still resided on our Trans Union reports. They instructed me to provide a copy of the XXXX XXXX letter, that that was all that needed to be done. Apparently not. From XXXX XXXX until XXXX XXXX, I filed XXXX disputes. In the interim, in XXXX XXXX, I actually got a 'LIVE ' employee at XXXX to work with me on this. She told me that if TU failed to cooperate, she would take care of it, but to first file another dispute which, as I stated, I filed XXXX. That was the last I was able to make contact with her despite attempting to call as well as faxing her numerous times. In fact, it was as though I 'd gone back to square XXXX. Meanwhile, all of the disputes with TU have yielded the same result : XXXX verifies the info reported as correct. Yesterday, XXXX XXXX, I called TU 's Special Handling Dept again and realized at that time that I 'd reached the end of the line in regard to getting ANY kind of resolution. Altho the FCRA allows for the consumer to be made aware of the dispute details, i.e., who the credit reporting agency spoke to, what was said, etc., apparently, TU has it all down to a sneaky science. Not only do they farm out the dispute handling to foreign countries, but they do not use human beings at all. As it was explained to me, the disputes are sent via " electronic portals '' ONLY. In other words, there is NO personal contact with the creditor whatsoever. The info is entered, sent, and that is it. The XXXX XXXX letter - XXXX & XXXX EVIDENCE PROVIDED BY THE CREDITOR - is not part of the dispute process. I was told that the letter does n't mean anything ... the creditor must verify the information regardless. SO ... this means that there is NO WAY POSSIBLE for us to get the information removed as each party - XXXX and TU - is married to its faulty practices and/or incompetence AND THEREBY IN VIOLATION OF THE FCRA. Our excellent credit is soiled with no solution but to file suit against XXXX parties -- unless you can help. What I have been put through over the past 3 years is beyond words ... all over a lousy bank error. It does n't appear that the new laws have much effect.
I was supposedly charged by an ambulance company in XXXX CA. I never received any correspondence from a company called Grant Mercantile, XXXX. XXXX XXXX, XXXX, CA XXXX, who evidently was charged with the collection. I have never received a bill or charge from either company. I have not received anything ever from either company. Now I am trying to obtain a mortgage and this supposed debt is causing my stellar credit rating to be substandard. I have spoke numerous times today with a rep named XXXX. The last time I spoke with her today, she told me the computer was shut down, she could not speak with me. She said the office closed, that here computer was shut down, and the office lights were shut off. This was at XXXX PST. If you dont know what time that it, its XXXXPST. 

I was on the phone with my mortgage broker. It was infuriating. That this company, Grant Merchantile, can actually ruin a credit history I have spent a LIFETIME to keep pristine, and ALWAYS above 800, is insulting, and criminal. 
I would appreciate a call ASAP. This is unacceptable, and their license should be revoked. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MD XXXX XXXX
TransUnion continues to report information for collection agency that i submitted several disputes for. XXXX Collection Agency is reporting a debt that 's is not mine. Its an apt complex i never broke the lease. There was fire and as you can see on the attached information that was sent to both TransUnion and XXXX XXXX was not my fault. It clearly states undetermined and Apt complex continue to say is my fault because they do n't want to use their insurance company. I also spoke with their district Mgr XXXX XXXX. he was aware of the situation. Please have this information remove as i 'm trying to purchase a home. Thank you.
i I have tried to Disputed this {$94.00} collection of a medical bill with Equifax. I never recieved a bill at my home address or through my Medical insurance. I've been trying to get them to validate this debt XXXX and XXXX have deleted it from my credit report because this debt has never been validated. There website never let 's you check the status of the dispute when they give you a solved dispute conformation number so frustrating dealing with this bogus {$94.00} dollar debt that I never recieved any bill for. This is debt that easily could have been paid or made payment arrangements on I would not let a {$94.00} medical bill go to collections that's ridiculous I would just like for Equifax to do what's right and remove this from my credit report to whom it may concern thank you for looking into this situation for me.
On XXXX XXXX around XXXX XXXX, I wired {$20000.00} to XXXX ( Subsidiary of XXXX ) from my bank account at XXXX XXXX XXXX XXXX. Their website clearly states that wire transfers will be posted the same day if done before XXXX XXXX, and the next day if received after XXXX. I confirmed with their bank that my wire transfer was received and deposited with Coinbase within 30 minutes of being sent. 

I have sent literally hundreds of emails asking where my money is, and have only gotten a couple auto-replies, essentially stating that my case is being reviewed. The couple times I 've had the 4-plus hours to wait on hold to speak with a human being, I was told that phone support can not help with deposit issues. 

It 's been over 6 weeks with NO specific updates or acknowledgement. This is absolutely rediculous. 

XXXX # XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX : {$20000.00} Ref # XXXX
Wells Fargo has ruined our life, by denying a payment paid to them via our checking account at Wells Fargo to Wells Fargo Mortgage. Then slapping enormous amount of late fees and what not. This is my third complaint to you, but you are also not helping.
I went to ATM XXXX XXXX XXXX XXXX XXXX FROM DDA on XX/XX/2018, to withdraw {$20.00}. The ATM did not dispense my money! I am beyond upset, I am angry at this point. I called customer service the following Monday XX/XX/2018, just to be told to wait til XXXX for their system to process and update. If not I had to put in a dispute, which I had to on XX/XX/2018 in person at the branch located inside the XXXX on XXXX and XXXX. This is a BANK ERROR! WHY SHOULD I HAVE TO WAIT FOR MY MONEY AND DO ALL THIS EXTRA STUFF BECAUSE THEIR ATM DID NOT WORK?? At the branch I go to there is a huge sign that reads " Satisfaction Guaranteed ''! LIES! As of this complaint I still dont have my money back. I dont care if it is {$20.00}, to me that could have been all I had and I have a XXXX year old I have to care for. That could have been my last to feed my child and I am having to wait on them. They need to change that sign! I want my money back in my account as fast as they took it out! I will be closing my account once this is resolved! 

Signed a XXXX XXXX soon to be EX customer!
I filed for chapter 13 bankruptcy. My mortgage is not a part of the bankruptcy. We are paying the mortgage, I can not get OCWEN to stop treating me like my mortgage is in bankruptcy. I do not receive timely statements. They claim I am in arrears for XXXX but that money was added to my mortgage payment. I sent a copy of a letter from my attorney. All I get is more papers and no specific letter addressing my specific issues. The main one, is that my mortgage is not part of the bankruptcy. How can this be fixed? 
Recently they said I am in arrears. I sent them a breakdown of all my payments. I am not in arrears.
My loan from WJ Bradley Mortgage XXXX ( WJB ) was service transferred to XXXX in XXXX. I had already paid my XXXX mortgage payment to WJB in late XXXX the amount of {$4000.00} with check # XXXX ; they received it and credited our account on XXXX/XXXX/2015. Unfortunately, because the service transfer was set up prior to my first mortgage payment, but the actual service transfer occurred after my first payment, the loan amount at XXXX does not reflect the correct principal on my loan. 
I keep calling XXXX and the phone center personnel either disconnect me, do n't call me back or ca n't help me. I have written a letter documenting the problem to them. I will attach it.
Rise Credit obtained unauthorized copy of my credit report and hit my credit report with hard inquiry which affected my credit score tremendously.
Lendmark financial calls me EVERY day, and twice on most days. I have never been more than 24 days late. I receive letters in the mail, constantly but because of the calls I have had to block their number and now they call from a private line that I can not block. This is infuriating!
My information was compromised due to the Equifax negligence. I contacted Equifax about this information. Equifax has granted the TrustedID program and waiving the freeze fee by Equifax. However, there are other agencies where my information is at risk due to what Equifax has done. I have to put a freeze on my account with those agencies as well. Those freezes cost money. Equifax should cover the fees of putting these freezes on my account with other agencies because without the negligence from Equifax I would not have to put these freezes on my account.