WillisBack/dataset-financial-user-claim huggingface dataset:
I have an item from XXXX that was showing as a collection account from t mobile. for XXXX.When I noticed this amount on my credit I contacted XXXX to find out why I have this amount in collections since I currently still have service with XXXX. They advised me it was due to me upgrading my account. I was n't aware of the amount and found it strange to collect on an amount when service is still being rendered by the organization. So I paid the amount in full and wrote to the XXXX in regards to the situation. I received a response from the XXXX on behalf of XXXX as well as a XXXX agent calling me advising that as of XXXX XXXX they requested the collection agency to have this negative information removed from my profile with the CRAs and it would take up to 90 days. It was removed from XXXX and XXXX but still reflecting with Equifax. When I wrote to Equifax they advised me that they are reporting accurate information and it will not be removed. The XXXX agent assured me this would be removed and I have this in writing so I want it removed from my Equifax report. Its almost been a full year since this issue was resolved and I would like to be compensated for my time and stress this has caused due to this issue not being resolved in a timely manner when I sent Equifax this proof in writing. It seems as if they are being discriminatory and just see a XXXX name and say hey leave it on there even with proof she was told this would be removed!
The debt in question was for medical services received by my ex-wife. Bills mailed to my address were sent in her name, so I did n't open, were forwarded to her new address, and were never paid by her. Now, the debt has been reported to a collection agency under my name, which the collection says is legal because the debt is for medical services my ex-wife received while were were married/separated. I was never billed by the office where services were received, and only learned of the debt after it went to collections. When I called the medical office to request information on the debt, HIPPA laws prevented them from being able to share any information, including the date of services received ( which makes it hard to dispute whether or not services were even received before the divorce was final ).
My loan was sold to loan care from XXXX XXXX XXXX and I yet to receive a letter from them with my new account even though XXXX told me the sale is effective XX/XX/XXXX. By law I am supposed to receive a letter 15 days or greater. Today is XX/XX/XXXX.
XX/XX/2012 I walked into a WellsFargo branch office in the City of XXXX California. I asked to speak to a manager. I told them that I had received a letter that I owed $ XXXX+ dollars and wanted to know why. I was told it was because I was not using my checking account. I told them I have never opened an account with them at all. I told the manager, I come in to make my mortgage payment and the teller usually asks if I am interested in an account and I always said no thank you but took information about their account services. The manager said he showed I had an account but they could not find any proof of me signing any documents or having an account other than what they showed on their computer. The manager told me that since my Mortgage is with Wells I can open an account and wo n't be charged fee 's at all for having an account with them and that he would take care of the $ XXXX+ fee and remove it. So I went ahead and opened a new account Note it was not the same account number they claim I had. It was a completely new account. About 5 to six months later, I get a letter from Wells Fargo that they debited the $ XXXX+ because they said I owed them the money. I went back to the branch three more times in the period of several months to resolve the issue and get my money back and it was never resolved. I felt stupid and crazy because they said I owed them the money. Now I find out that many WellsFargo employees were committing fraud and realize that I am one of the victims. I want my $ XXXX+ dollars back. It 's not even about the money it 's the principle, how can someone open a bank account without your knowledge or consent then charge you the fees. At the time I was a struggling single mom and that {$60.00} was a week worth of groceries and lunches for my kids. They got me to go into the branch and open a real account and then still charged me fraudulent fee.
About three weeks ago I received a letter dated XX/XX/XXXX from AFNI debt collection. Demanding payment to XXXX. This debt had been settled through XXXX XXXX XX/XX/XXXX.So I call AFNI at XX/XX/XXXX on XX/XX/XXXX and spoke with XXXX. He said he did not want to hear anything 'just get out you credit card and pay '. He refused to give me he last name. 

After XXXX settled this debt, XXXX XXXX XXXX XXXX XXXX Demanded payment on the same debt on XXXX. I brought the matter to your attention. And XXXX XXXX, XXXX investigated and apologized. Now here comes AFNI to collect on the same debt. Please help me.
Comenity Bank/XXXX XXXX XXXX -My problem is I was charged late fee on XX/XX/XXXX.
-I submitted my online payment on XX/XX/XXXXbefore XXXX ( est ), but was not able to select XX/XX/XXXXas my payment date so I selectedXX/XX/XXXXand figure I work it out with customer service. Called customer service at XXXX ( est ) onXX/XX/XXXX XXXX XXXX XXXX  had no confirmation nor could they acknowledge I even made a payment. I waited to see it payment would debit my account and it never did. I made another online payment but this time it was for XXXX. - I emailed and filed dispute. XXXX XXXX XXXX closed dispute since I could n't produce evidence that a payment was made ( evidence from my bank ) I submitted an online payment BEFORE XXXX on XX/XX/XXXX. I was not allowed to pay on XX/XX/XXXX and was forced to make payment on XX/XX/XXXX. Payment was never made due to some technical issue on XXXX XXXX XXXX side. I made my payment on-line and on time. I would like XXXX XXXX XXXX to reimburse my late fee of XXXX I have the email confirmation fromm XXXX XXXX XXXX.
In XXXX, Citizens One Home Loans closed my home equity line of credit for further use. In XXXX I paid off this line of credit. Their Lien Release Department never released the lien from my title. I am in the process of refinancing my mortgage and ca n't do so until the Certificate of Satisfaction is filed. This was requested XXXX XXXX, XXXX. On XXXX XXXX, I was told they were in the process of preparing the certificate. on XXXX XXXX, XXXX, I was told it was not done. How do I get them to clear my title? I have requested a Pay Off Statement, but since I do not owe any money, they will not do this. I can not close on my refinance until either the Certificate is file, my title is cleared, or I receive a XXXX payoff letter. Every day I call an am told someone will call me back but no one ever does. I understand it can take months for the jurisdiction to record the document, however, I ca n't get Citizens One to even file the document.
I had an account set up with Patient Accounts Bureau where they took out XXXX on the XXXX of each month. I called them last week and asked them not to take the money out this month, which they have recordings and documentation of, and they said nothing will be taken out. Today they took out XXXX which overdrew my account forcing me to stop payment on the check which still cost me XXXX. I spoke with their manager XXXX XXXX and he said that he did n't know how long it would take or if they even would reimburse me the fee for having to stop a check that was NOT an authorized payment. They overdrew my account which has caused several issues for me, especially as a single mom, I need this money and they are not being cooroperative at all. This was again a payment that was not authorized, therefore illegal for them to take out of my account.
I sent a dispute letter to XXXX and Experian concerning unauthorized credit inquiries on my account. XXXX sent me a letter regarding the inquiries are accurate with no validation sent to my address. Experian claims to have never received my letter which contains personal information someone can use against me. Validation of credit inquiries upon request is my right according to the FCRA. I have yet to receive any documentation sent to my address. My XXXX XXXX account was also hacked causing me to change my password and email.
Since Wednesday, XX/XX/XXXX I have received repeated calls ( 16 of them ) listed as " Unknown '' or " No Caller ID. '' I answered once and heard silence on the other end of the line. I hung up. Today I received a voicemail message in which a voice said that the caller was named " XXXX XXXX '' and that he was demanding a call from me or my attorney about a credit card I have that is financed by Comenity Bank. He did not specify an amount or reason for the call. He implied in a threatening manner that I needed to contact him at XXXX extension XXXX. I XXXX the number and found that other consumers have been subject to harassment from this company. I checked Comenity 's website and my account is in good standing. I checked my credit report and there was no negative reporting from this company. I should not be receiving collections calls from this company.
On XXXX XXXX,2017 I switched my mobile phone service from XXXX to their wholly owned subsidiary XXXX and thus began a nightmare of trying to deal with XXXX. 
Shortly after moving my account I received an email from XXXX acknowledging the move and stating I would owe them {$440.00} On XX/XX/XXXX. I assumed it was just an accounting error and thought nothing more of it but on XX/XX/XXXX, XXXX did, in fact, deduct that money from my account. I tried contacting their " customer service '' XXXX number but was told that I was no longer a XXXX customer so the charges must have come from XXXX. I explained that I was looking at my online bank account & it showed the money was paid to XXXX. I also communicated with the associate that I had never given XXXX permission to take money from my checking account so I questioned the legality of their doing so. 
I received a subsequent email from XXXX indicating I had paid the {$440.00} and would now owe {$42.00} on XX/XX/XXXX. I tried again to communicate with " customer service '' at XXXX. Nothing came of that attempt but further frustration except the associate removed the permission that was noted on my account that they could deduct payments from my checking account. 

Then I started getting notices that I was in arrears on the monthly payments and still no explanation as to what I would have an ongoing monthly obligation to a company I had ceased to do business with in XX/XX/XXXX. 

When, by their records, I had " missed '' three payments, I received a letter from XXXX XXXX XXXX stating they would be pursuing debt collection actions. That letter gave me the option of submitting a denial of the legitimacy of the debt. I provided them with all my documentation of attempt to dispute the account with XXXX 2 letters, copies of emails and a live chat with one of XXXX representative. On XX/XX/XXXX I received a letter from XXXX XXXX indicating the had received and reviewed my documentation and would arrange to cease their collection efforts. I assumed that would be the end of the matter. 

Then last week I received a letter from Receivables Performance Management , LLC stating they would be taking debt collection action on my account on behalf of XXXX. I have taken the time to provide them with my documentation as well. My concern, as you can imagine, is that if RPM, LLC agrees that I legitimately dispute these charges that XXXX will simply send the claim to another of what must be thousands of debt collection agencies in the USA.
Tuesday, XX/XX/2019 I received a call from a gentleman name XXXX from Hunter Warfield, he stated he was a debt collector and that I owed money from an apartment rental. I explained to him that this information is fraudulent and I have no knowledge of any such rental. He stated he was sending me an identity theft affidavit to have it notarized and returned. However, he never supplied me with this information. I would not like this fraudulent information reported on my credit report.
I am filing this complaint against Ocwen Mortgage Services for misleading advertising and, moreover, for the mishandling of my mortgage Loan, neglecting to pay my homeowners policy from my impounded funds, destruction of my credit rating, personal financial damage and extreme XXXX. The deplorable reputation of Ocwen is no secret to those in financial circles but when their immoral business practices are up close and personal, it begs the question, why are these people still in business or at least why are they not sanctioned for a slogan that says " Helping Homeowners is What We Do. " 1 ) XXXX, 2015 Ocwen failed to pay my homeowners insurance causing it to be cancelled. After more than two months of lies about the payments being sent and numerous 3-way calls with the insurance agency and Ocwen, over two months later the agency received payment and the policy was reinstated. 
2 ) XX/XX/XXXX and XXXX, 2015 Ocwen failed to acknowledge XXXX mortgage payments from my bank bill pay account which were paid on time. After providing them bank documents, they acknowledged the XX/XX/XXXX but not the XX/XX/XXXX payment. Due to the extended time period my bank advised I place a stop payment on payment while the situation was reviewed and replace the payment. I complied. Meanwhile, I expressed my desire to work with Ocwen to resolve the issue so that my excellent credit rating would not be affected. I was lead to believe over the next two months that a letter would be generated internally for use with the credit reporting bureaus to mitigate any damage to my report by noting my consistent on time payment record and acknowledge a system error in funding my loan. After countless phone calls to various levels at Ocwen in their " escalation department '' I received a letter noting they ultimately considered the payment 30 days delinquent. Not only has this destroyed my credit rating I have worked my life to protect, it has impacted my ability to refinance and financially. Moreover, if I would be successful in a refinance opportunity I would now pay a higher interest rate. 

When Ocwen took over my loan from IndyMac I had no say in my loan being sold to Ocwen, Problems at the onset of their takeover, included three months for Ocwen to get my payment process resolved from the previous company. Again, there were no acknowledgement of payments that were transferred from IndyMac to. Ocwen. Ocwen came after me with threats while IndyMac maintained Ocwen had received the payments and had the dates to prove it. I was a victim then and I am still a victim because they simply wont do " the right thing '' by acknowledging their accountability and living up to their slogan.
Sears/Citibank finance a washer/dryer 0 % interest XX/XX/XXXX to XX/XX/XXXX. Paying approx. {$300.00} a month and had payment scheduled to pay off by XX/XX/XXXX XX/XX/XXXX Sears/Citibank sent offer 0 % until XX/XX/XXXX. InXX/XX/XXXX - I took the offer to pay off another debt. Made normal payment inXX/XX/XXXX of {$300.00}, to pay off loan expiring inXX/XX/XXXX Sears/Citibank took the entire {$300.00} and posted to new promotion loan I just took out a few days before and will not move any of that payment to loan expiring XX/XX/XXXX. Made a payment of {$400.00} on XX/XX/XXXX in the amount of {$400.00}, Sears/Citibank took the entire {$400.00} and posted {$400.00} to the new loan I took out in XX/XX/XXXX. Called Sears/Citibank 4 times and each customer service rep refused to move any of the {$700.00} over the two months to loan expiring XX/XX/XXXX. This is not what the promotional stated. On Sears/Citibank web site it states if you have two promotion payment will go 50/50. On the agreement when I sign the check for transfer it stated payment with post to account with highest APR % both have 0 % so it should be split. I believe Sears/Citibank is trying to cause me to pay the retro interest collected so far in the amount of {$400.00} plus dollars. I believe this is wrong practice for me as a consumer, Sears/Citibank is trying to set me up for failure.
I decided to refinance my student loans with Discover to save on some interest as I was getting a lower rate with another service provider. 
My loan was paid off at Discover on XX/XX/2018 and there was an excess payment of more than {$3000.00} on the account. 
One week later, on XX/XX/2018, I contacted Discover to find out about the status of my refund due to the overpayment. 
I talked to the customer service representative and her supervisor and I was told Discover has a right to hold onto the payment for upto 45 days. They are really busy with processing thousands of student loans so they can not verify the payments have been applied to my account accurately. In about 45 days, they will mail out a check which will take another 7-10 business days for me to get my money back. They have a right to hold onto my money ( they gave me an exact amount {$3300.00} ) as they look to verify all closing details. If they have the exact amount of refund owed, that means the payment have been posted already. I never had a late payment on my account and no payments have been missed ever on the student loan. But they still want to ensure that ' no extra unknown charge ' pops up on my account in this timeframe I think it is a really unfair practice that it takes them upto 45 days to post my payments accurately and they have a right to hold onto my money for that long. I am accruing interest on the refinanced loan while Discover decides to hold onto my money for close to two months and not doing their job in a timely manner.
I opened my checking account with Chase on or about XX/XX/XXXX and I paid extra to have a line of credit as overdraft protection. I 'm also in the XXXX and have had difficulties getting the automatic deposits on time so in the past year I have had overdraft fees because the line of credit had been near the maximum. Luckily after explaining the issue, Chase has refunded XXXX of the fees. In order to avoid this problem, I saved up and paid off the line of credit of my overdraft protection so that in case something happened and I went over the limit the line I would be protected. My line of credit has been paid off for 3 months now to protect myself. 

This Monday ( XX/XX/XXXX ) I made a credit card payment knowing that I would go over the limit but trusting that the line of credit was empty and would protect me. I was shocked to find out that chase had cancelled the line of credit overdraft protection without telling me. 

I called Chase and they told me that they discontinued the line of credit and that the only protection I could have was by opening another account with them. I told them I did n't want a new account but I wanted the line of credit I had paid for and have had for years. They said that I can only open a new savings account. I told them that they should not force me to get a product I do not need or want because that is what got XXXX XXXX in trouble. They told me it is company policy. 

I told them I was a military member and that I would file a complaint for this unnecessary upselling. They told me to do as I wished.
I am formally filing a complaint against : PNC bank : XXXX XXXX XXXX XXXX   XXXX OH XXXX ... XXXX They have illegally and fraudulently added a balloon payment Of {$8000.00} + to my loan balance which was not on the original contract that we signed in XX/XX/XXXX. The terms of the {$100000.00} home equity loan ( 5.99 APY ... 15 years ) clearly stated that I had to make 180 payments of {$840.00} over 15 years ; starting with the first payment on XX/XX/XXXX until the last one in XX/XX/XXXX.

As of today I am current on all payments including all late charges and financing charges which might have occurred over the years.

I just made my XX/XX/XXXX payment. As of today I should only have 13 payments of {$840.00} which should equate to a balance of {$10000.00}. Instead I am being told that PNC will charge me a balloon payment of $ 8000+ after the final 13 payments, raising my balance to over {$18000.00}. That is contractually false and fraudulent.

As I stated earlier, this was not stipulated in my contract. PNC is clearly trying to overbill me on this ; loan.

As a resolution, I would need to start receiving statements from PNC which would accurately report the actual balance owed ( {$10000.00} as of XX/XX/XXXX -- ( 13 payments of {$840.00}. I do not owe the {$8000.00} balloon payment they have added on the backend of the loan. It is pure financial theft.

Thank you XXXX XXXX
I opened a Charles Schwab checking account. Charles Schwab requires you to open an individual brokerage account alongside the checking account. I opted out of overdraft protection and margin ( i.e., there was no loan application ). I completed the application process and discovered the next day that Charles Schwab had made a hard credit inquiry on my credit history. 

Firstly, I can not find where in the application I consented to a hard credit inquiry. I called Charles Schwab and none of their reps can point me to where in the application process the account-holder consents to a credit pull. If it 's in the application, it 's hidden somewhere to be intentionally deceptive to the account-holder. 

Secondly, I asked Charles Schwab why they pulled my credit. I received conflicting information. One rep told me that it is SEC regulation for all brokerage accounts. This is not true. A second told me that it 's Charles Schwab policy to avoid doing business with consumers with many bounced checks. This does not require a hard credit inquiry to determine. Either way, nowhere in the application process is the account-holder specifically asked to consent to this credit pull. 

The reasons that this is a major concern is because : ( 1 ) it raises significant privacy concerns when a company deceptively pulls significant credit history on its clients for unknown purposes ( marketing? ), ( 2 ) it is unethical and deceptive to pull clients ' credit history without clearly and directly asking for their consent, and ( 3 ) clients concurrently applying for a mortgage or any type of loan can have their mortgage/loan delayed or disapproved because of Charles Schwab 's deceptive practice of carrying out a hard credit inquiry. 

Thank you.
This company calls XXXX times a day using a robodial that prompts me to press XXXX to talk to them or XXXX to end this call. Regardless of pressing XXXX or XXXX, the call always ends. Not to mention, I do not have any outstanding debt to be collected. This harassment has been going on for over 8 weeks!