WillisBack/dataset-financial-user-claim huggingface dataset:
My mortgage servicer was transferred to Seterus from XXXX. XXXX transferred the loan with an error of an outstanding balance that was refunded to XXXX from a tax authority. XXXX corrected their mistake 4 months after the loan was transferred to Seterus. The balance was wired from XXXX to Seterus. Seterus has misapplied payments and I supplied them with a transaction report and letter from XXXX stating when they wired the funds to Seterus. They still have not correct their mistake and refuse to take my payments forcing the home in foreclosure. I have to call every week to dispute the action and they keep postponing a foreclosure. They are trying to take my home for an error they are refusing to correct. I need help or please direct me to who I can file a lawsuit against Seterus to keep my home and asset.
On XX/XX/XXXX, a company named TekCollect sent me a threatening letter falsely stating I owe {$13000.00} to XXXX XXXX. 

While XXXX XXXX did perform work for me, all amounts owed by me were paid. There has been no presentation of invoices for the {$13000.00} claim. Nothing regarding any work, all of which was brought to a close in XX/XX/XXXX. 

Also, the TekCollect letter is titled " Final Notice '' when no notice whatsoever was received prior to this letter. And, the letter includes no supporting evidence, such as invoices, for any amount owed. 

TekCollect is threatening to ruin my credit record. I called the phone number on the TekCollect letter, and a very young person answered, with " Hello? '' I had to ask if I had reached the TekCollect office -- and it was never made clear if TekCollect actually has an office. 

Thank you for any assistance you can provide with this false claim. 

The TekCollect address is XXXX. XXXX XXXX XXXX, OH XXXX TekCollect phone number = XXXX
Hello, I got a credit report and noticed that ARC Management Group , LLC said I owed  XXXX  hospital emergency room {$110.00}. This debt collection is not mine and I was wondering how to get it removed from debt collection as it is preventing me from applying to get a credit card.
I received a statement in the mail today, XX/XX/19 from Convergent Outsourcing , Inc. stating that XXXX placed my account with their office for collection. The statement states I owe XXXX {$88.00}. I checked my XXXX account balance and it is XXXX. I contacted XXXX and they stated they did not submit my account to a collection agency and reaffirmed that my balance is XXXX. I did not contact Convergent Outsourcing as I think this is a scam. It says on the back of the statement that I need to notify them within 30 days of receiving this notice in order to dispute the validity of the debt. I'm not sure if I should do that because I think it is a scam. 
I checked the XXXX XXXX XXXX site and they have had numerous complaints about this company.
Someone has created debt through 'paypalcredit '. I paid off that acct. in XXXX of 2013. Since then, I did creat an acct. through XXXX '. Now that someone is using my acct. for transactions, I have paid off the 'XXXX acct.as well. 'Paypalcredit ' is threatening to send the {$1600.00} they say I owe to a third party collections bureau.
Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own. 
Regards
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Ga XXXX are violating the Fair Debt Collection Practices As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ). 

I would Like to file a complaint against XXXX XXXX XXXX XXXX XXXX for the following violating or attempting the violate the following : 1. 804. Acquisition of location information A. Not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; B. Not communicate by post card ; C. Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; D. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

807. False or misleading representations : A. the character, amount, or legal status of any debt ; or 812. Furnishing certain deceptive forms A. False Misleading information on printed correspondence that entity has A+ rating with the Better Business Bureau XXXX
When making a final payment on a closed account with XXXX, I found out that there was another phone line that was opened up in my name about 2 years ago, XXXX 2013. When I went to Credit Karma to obtain a credit report, and to find if there was any other illegal and unauthorized activity, I found out that there a home and auto loan that was also taken out in my name around the same time.
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 and XXXX 2016 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 continue to be harrassed and threatened by a person named XXXX XXXX at Citibank. I was a victim of identity theft over a period of years by a family member who is now dead. I have written numerous letters but they continue to assign various other debt collectors to harass me. I am a XXXX XXXX year old women who is quite ill from XXXX , and numerous complications. I can not sleep due to fear of these tactics. I have acquired identity theft protection from XXXX and XXXX, but Citibank continues to harrass me. I have reported the identity theft to the FTC. I will write another detailed letter to XXXX XXXX but I am currently terrified. I have sold my house to pay for as much debt as could possibly be mine. But, this card is not my debt, and I am so afraid of what will happen next. Surely, Citibank has other things to do besides terrify an older sick woman.
My wife and I froze our credit in XX/XX/2006. We have been able to unfreeze it from time to time as needed. We recently unfroze it with Experian and now in order to freeze it again, they are demanding that we enroll in an expensive credit protection plan. We feel that this is a kind of extortion. We merely want our credit re-frozen the way it was before our last request to unfreeze it.
My XXXX and I have an American Express XXXX card since XXXX and we have always made payments on time. My credit limit was {$9500.00}. 
About XXXX month ago, my card was declined. When I called Amex, they informed me that someone had used my name to obtain an Amex business credit card and had made large purchases. I asked them to start a fraud investigation and they informed me that they had already done so. 
On XXXX/XXXX/XXXX, Amex sent me a letter informing me that they had taken necessary steps to close the fraudulent account and remove derogatory information from my credit report. 
I have made a number of calls to Amex to find out the latest situation but have been transferred from XXXX department to another but without any resolution. 
Yesterday, XXXX/XXXX/XXXX, I tried to use my card again but was declined again. I called Amex and once again, I was transferred to XXXX department to another but without any firm response. All I was told was that my credit limit had been reduced to {$3000.00} for reasons not explained to me. 
I have been a loyal Amex customer and do not know why my credit limit has been arbitrarily reduced.
Recently this company has shown up on my credit report. Tek Collect has failed to contact me through any various means ( phone, email, mail ) regarding the amount or creditor I supposedly owe. I do not believe I owe a debt in the amount of {$130.00}. I have also not been able to find solid information on this company and have read some disheartening reviews on their processes
Enterprise rent a car in XXXX PA employees discriminated against me and my mother for having Spanish names, refusing to take payment for a car rental, even legal tender as dollars in cash. Threatened my mother with reporting the car I had just returned stolen for not paying the bill they refused to take payment for. This happened today XX/XX/18. I have video evidence of the returned vehicles perfect state. We immediately called XXXX police non emergency number and spoke with officer XXXX, as they threatened to report the car I just returned stolen, and I spoke with enterprise corporate who assured me they would look into this. I also tried contacting the through social media but received no response. And now I wait for them not to do anything and allow racists to keep working for them.
RE : CFPB # XXXX XXXX XXXX provided verification that they sent the correct tax amounts to Seneca Mortgage Servicing LLC on XXXX XXXX, 2014. 

Faced with this evidence, Seneca is now contradicting the statement they made to the XXXX that the error was caused by the " prior servicer 's tax vendor '' and have now stated to XXXX XXXX that the error was actually caused by Seneca 's own vendor, XXXX. 

I am currently unable to locate and identify XXXX and XXXX is not in the CFPB database.
In 2005 I got a loan from XXXX XXXX. I paid every month, never missed a payment. After a couple of years, with life events, the balance got maxed out at {$14000.00}. When i started with them, the payment was {$75.00} and eventually got up to {$260.00}. I never missed a payment. They sold my account to someone else and than finally sold it to Springleaf Finance. I never, in all those years missed a payment, with any of the company's.I did have to file for a hardship recently due to the fact that my Pensions took a hit when I turned XXXX. Springleaf agreed and helped me with a lower payment and a lower % rate. I have never missed a payment with them. After 10 years of paying and never missing any payment, my balance has gone down by {$50.00}!!!! It has never gotten below {$13000.00} and at times has gone above the {$14000.00} max. How can that possibly be legal. I will be turning XXXX in a couple of months and I had expected to have this paid off by than, but the balance has never gone down. I have n't used the account in years except to pay the payment. Do I have an recourse with this? Should I hire an Attorney?
Hi Good Afternoon, On XX/XX/XXXX in response to an advertisement I received from Moneylion, I signed up and was approved for a cost-effective short-term loan of {$600.00} at a 5.99 %. I reviewed in great detail every section of the contract ( attached ) before signing. I was told that {$23.00} would be deducted weekly ( every Friday ) for 26 weeks, with a total payment of {$600.00}. 

After the first withdrawal on XX/XX/XXXX, I noticed a second withdrawal on the same day for {$31.00}. And this occured the following week as well - {$23.00} + {$31.00}. When I inquired with Moneylion, I was then informed that a membership fee ( that was initially advertised as {$79.00} initially ), is actually a recurring fee for the entire duration of your repayment, bring a total membership fee to {$31.00} x 26 weeks = {$830.00}. Nowhere in my contract was this ever stated or brought to my attention during the enrollment process. I am certain I would never sign up for this having been told so at the onset. 

I have since blocked the additional payment of {$31.00} as this was never communicated to me, but I shouldn't have to do so. This behavior is predatory and traps people into paying far more than is advertised.
XX/XX/XXXX I submitted XXXX quarterly estimated tax checks to the IRS. XX/XX/XXXX when I submitted my tax return I was told that they had not received the XX/XX/XXXX check. The check was submitted to my bank ( credit union ) and paid to an account at a Wells Fargo bank. The IRS did not receive the payment and the endorsement on the back of the check does not match their endorsement procedures.
I held an American Express Gold Card number *************** for over XXXX years, from XXXX through on or about XXXX. The card was suspended for late payment in XXXX due to personal financial issues. I entered into a payoff agreement with American Express in XXXX. AE agreed to restore " gold card member privileges '' once the delinquent balance was paid. The account was paid in full in. But AE did not restore the gold card account as agreed but instead activated an XXXX account **************** with a limit of {$800.00}, not the unrestricted limit accorded to gold card members. I applied again for an AE gold card in XXXX and was declined. I was told that I had outstanding balance on an expired corporate card accounted dating back to XXXX. The card was issued to XXXX XXXX which declared Chapter XXXX bankruptcy in XXXX, XXXX. As a creditor, AE was notified and invited to submit final claim to the company as a creditor. AE did not do so and the bankruptcy proceedings were converted to Chapter XXXX a year later without any claim submitted by AE. AE failed to submit any claim which would have absolved me of any personal liability. Almost XXXX years later, AE is still claiming that thousands of dollars are owed to them and using a XXXX year old debt to determine my credit worthiness. ( With a FICO score of nearly XXXX and debt percentage of less than XXXX percent I have excellent credit. ). Maryland state law, Statute XXXX, limitation is XXXX years. AE has failed to actively collect on a debt of nearly XXXX years and has failed to honor agreement to restore my account after payment was made in full on an agreed account balance. I am petitioning AE to dispense with the XXXX year old debt and issue a new account as agreed.
Received an e-mail from the company below demanding pay from a loan that I did not make. The address in the bill is different then mine and the name does not have a middle initial, also I do n't know how they got may e-mail. 

Do n't know if this company is legit. 

e-mail from XXXXXXXXXXXX XXXX XXXX ( 2 days ago ) to me XXXX XXXX, 2016 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Loan # XXXX Dear XXXX XXXX, This e-mail is to inform you that we will be debiting your account for the outstanding payment due or fees of {$290.00} on XXXX/XXXX/2016 XXXX 

Sincerely, LoanMe , Inc . 
XXXX This communication is an attempt to collect a debt and any information obtained will be used for this purpose. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
Bank of America has not provided me with a written determination of appeal from their Appeals Department for the XXXX 2012 MHA HAMP timely appeal request. Bank of America has only informed me unofficially of their claim of a determination over the telephone, but have refused to provide the Bank of America Appeals Department determination to date. 
While I am in possession of Bank of America internal Appeal Report document and documentation issued by the Bank of America Appeals Department and uploaded to the borrower Home Loan Modification Status iportal, this does not satisfy the requirement set forth in Regulation X and California Civil Code 2920 - 2944.10.
I have called TransUnion to correct my personal credit file, I called customer service and stated that they have incorrect address that is on my credit report and as well a company I never worked for that I want removed.
I am a longtime customer of XXXX. I had all of my phone, TV and internet service with them. In XX/XX/XXXX, I received a bill for XX/XX/XXXX that was increased. I called to find out why and was told that the TV package had increased in price. I asked them if there was a promotion or discount to continue the service as-is and was told no. Not wanting to pay more for TV service, I contacted XXXX  for a quote on TV, home phone and internet access and based on the lower quote than XXXX  I decided to transfer my service to XXXX. I also contacted XXXX and transferred my cell phone service to them. I called XXXX  to transfer my cell phone # to XXXX. I subsequently ordered all services with XXXX cancelled. I returned the XXXX  router, DVR and modem to XXXX  using XXXX shipping information provided by XXXX. I thought that by returning the equipment and cancelling the services that I was done with XXXX. Unfortunately I continued to be billed for XXXX services for TV, home phone and internet, even though I had cancelled the service, returned the equipment making it impossible to access the XXXX  service, and had transferred my service to XXXX and XXXX. Today I received a threatening phone call from a collection agency claiming that I had not cancelled the XXXX services and owed @ {$500.00}. They said that a 'good consumer ' like me should not want an account in collections, and while the information had not been reported to the credit reporting agencies, that it was in my interests to resolve this by PAYING THE DISPUTED AMOUNT AND REQUESTING A REFUND FROM ATT once the dispute was resolved! This sounds ridiculous to me and is tantamount to a con. I told the collection agent that I would be contacting the CFPB to file a complaint. I really feel that large companies like XXXX make it difficult for consumers to cancel services, and even when cancelled and no services received by the consumer, continue to bill them so that XXXX  can inflate its customer base and revenues. Today I received another phone call from another debt collector for this account. Specifically, I was called by Diversified Consultants, Inc. ( DCI ), to collect {$450.00} on behalf of XXXX. DCI 's reference # for this account is XXXX. They were polite and asked that I submit a dispute on their website www.dcicollect.com, which I will do. I told them that I would be filing this complaint with the CFPB as well.
I disputed this account with this company I inform them to send me debt validation, upon receiving the requested paperwork I noticed a address that was used to open this account I have never been associated with or have I ever lived at the address or even the state of Louisiana.I havent got any resolution On this matter even after filing a report for identity theft and placing a 7 year fraud alert on my credit files.
In XX/XX/XXXX I submitted my most recent disputed against a debt listed on my credit report by XXXX XXXX account # XXXX for a repossession that was conducted in the state of Florida in XX/XX/XXXX. I have been disputing this debt via the credit bureaus since approximately XX/XX/XXXX. In XX/XX/XXXX XXXX XXXX finally decided to provide notice to the credit bureaus that the vehicle had been sold around approximately XX/XX/XXXX. They should have updated that information to the credit bureaus in XX/XX/XXXX upon my first dispute with the credit bureau agencies and they did not. I have requested via the credit bureaus that XXXX XXXX provide proof that said vehicle was sold and to verify the amount that the vehicle was sold for. XXXX XXXX since this whole period of dispute began in XX/XX/XXXX hasnt provided proof of sale or purchase amount since the disputes began. Also per the Florida repossession statue 537.012, XXXX XXXX should have provided me or the joint owner with a notice of time, place and date of sale or auction of the vehicle, which they did not. It was not until I began to dispute via the credit bureaus in XX/XX/XXXX that they advised that they sold the vehicle. This XX/XX/XXXX I disputed once more via Equifax requesting that XXXX XXXX  provide proof to me of the amount the vehicle was sold for as well as advised that I wasnt notified of the place and time where vehicle was sold/auctioned and requested proof that. I requested proof that XXXX XXXX notified me of the place and time of the vehicle sale/auction. XXXX XXXX still hasnt provided me with that proof. I find that XXXX XXXX is in violation of the Florida repossession statue 537.012 that states that they must provide the owner/joint owner with time, date and place of sale/auction and due to this statue violation I am requesting that this account be stricken completely from all of my credit files as well as the joint owners credit files.