WillisBack/dataset-financial-user-claim huggingface dataset:
Possible multiple violations of US Code Title 15 Fair Debt Collection Practices Act. The Company, to this day I do not fully know them as a debt collection company because they ahve never disclosed that they are a debt collection company, Overton, as per XXXX. I was called today, XX/XX/2016 from a company the individual stated my first name and made a statement that I owed XXXX money on a debt. They them immediately asked to verify my identity to continue the call, I stated that under the fair debt collection practices act if they were not 100 % sure that I was the debtor ( Alledged ) that they should not discuss any form of debt. In addition now that I think about it this may also be a Gramms Oxley violation as well, because they disclosed financial information about an individual of a federally protected financial institution as haviong an account at XXXX. I have never received a letter N1 or docket letter, no information at all verifying this company as a debt collection company and I have never received mini miranda. I would like to direct stakeholders attention to XXXX vs. XXXX as existing precedent and case law. I called back to XXXX and asked for how I could contact a compliance officer, and the individuals were all in a meeting. I asked for a supervisor so i could receive proepr N1 letter to hand over to my attorneys and according to the switchboard there was no supervisor available.
I am a XXXX XXXX who pd. my XXXX daughter 's XXXX " pay as you go '' phone bill of {$42.00} ( due XX/XX/XXXX ) on XX/XX/XXXX to be received by XXXX on XX/XX/XXXX via my U.S. Bank bill pay acct. 
XXXX disconnected my daughter 's phone on XX/XX/XXXX for non-payment. She had to pay {$42.00} cash @ a local XXXX store to get her service re-activated ( DOUBLE PAYMENT. ) Due to the forced " Double payment '' by XXXX, I stopped payment on my payment to XXXX with U.S. Bank. 
U.S. Bank claims they mailed a check to XXXX as they do not have a bill pay relationship with them, that was cashed by XXXX and provided me a copy of the cashed check. 
I requested a refund of my {$42.00} from XXXX. They claimed they never received the payment. 
Over the past month, I have been run in circles by U.S. Bank & XXXX. 
I sent emails to U.S. Banks. I phoned both U.S. Bank & XXXX on numerous occasions, only to be transferred to multiple reps in multiple depts. then told they can not help me. They point the finger at each other. 
My last phone call was a conference call initiated by a U.S. Bank rep w/ XXXX after claiming XXXX would not talk to them about my acct. After being transferred numerous times, the XXXX rep instructed me to go into my local XXXX store claiming " only a local XXXX store can help you. '' When my daughter & I went into the local XXXX store, just as I had expected, the rep was unable to help me other than to tell me the only XXXX payment that showed up was my daughters {$42.00} cash payment. He phoned XXXX, only to be transferred 5 times & getting nowhere. 
It is despicable that U.S. Bank would not take responsibility for " losing '' my payment ( for the 4th time in one year in the total amount of nearly {$6000.00} ) and credit my acct. the {$42.00} " in good faith '' as I have been a longtime loyal customer for approx. 10 yrs., since I entrusted them with my money to pay the XXXX bill. 
It is just as despicable that XXXX would " steal '' my payment, then disconnect her phone & force her to pay a 2nd time, since I was a longtime loyal customer of theirs for approx. 20 yrs. 
DOES U.S. BANK & XXXX NEED {$42.00} THAT BADLY THAT THEY WOULD COMMIT FRAUD & THEFT AGAINST A XXXX XXXX & XXXX ADULT? 
I want my {$42.00} back!
This is a collections attempt for a $ XXXX balance with XXXX XXXX XXXX XXXX XXXX . The balance was paid on XXXX XXXX, 2016 to the doctor 's office directly for the full balance. I received phone calls between then and XXXX XXXX, 2016. I called in and informed the company that the debt had been paid. I asked them per the Fair Debt Collections Practices Act, to cease further communications on the debt. I continued to receive phone calls and then received a letter today on XXXX XXXX, 2016 about the debt. I called in and spoke with a collections supervisor, XXXX XXXX, about the continued collection attempts after my cease and desist. I informed her that if there were any additional collection efforts on this bill, I would be consulting with an attorney. 

I appreciate collections efforts within the scope of the law, however, collecting on a debt that has already been paid is illegal.
XXXX XXXX is in charge of my private loans. I am back in school after a period of not being in school ( at which point I was paying a forbearance fee ). Therefore I am eligible for an in school deferment, my deferment will kick in as soon as my school, XXXX in XXXX, Maryland sends the deferment form to XXXX XXXX, however they wait a certain time period before the send it in ( perhaps to ensure the student stays in school over a certain time period? ). Anyways, XXXX XXXX is calling me 3-4 times a day even though I have told them this two or three times. They are also calling my mother three times a day, I consider this highly inappropriate and harassment at this point because we have always paid ( interest, forbearance, etc ).
On XX/XX/24 I traveled to XXXX Texas for a family vacation. I went to the XXXX gas station to get gas and reader stated that to see cashier upon going to the cashiers station I was told that my card was declined due to insufficient funds knowing that was not accurate I contacted a representative over the phone with US Bank the rep stated that my card was deactivated because a new card was sent it. I tried to explain to the rep that I didnt receive a new card in the mail and that I was out of state with no other means of funds she stated she was going to locate a branch near me however there was not one available in the city I kindly asked her to please reinstate my card as I have No way to navigate the city nor funds to get back home she stated that I should just access my account online and XXXX XXXX myself money I asked did that make sense for me to have to pay to access my own money when I didnt deactivate my card nor was I made aware of the situation especially when I had visited a branch XXXX this week and no one in the local branch had said anything to me about it. She said well Im just trying to help you get your money. Im very upset so I discontinued the call with the rep
In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,
When I was XXXX I was pressured by my parents to find a college and attend it. I found a college and we took out a student loan, the whole year cost me about {$20000.00} of private loans and {$9000.00} of federal loans. I did not go back my second year because my dad ( my consigner ) would not sign for another loan ... .so now can I not only attend college because I have no money, but now I have to pay back {$29000.00} of loans at only XXXX years old. I am now married and have XXXX kid and I am working part time making only {$.00} over minimum wage because I do n't have a degree to get a better job or have the money to put my son in daycare to work full time. I just do n't see an end to this money struggle and I ca n't get my loan payments lowered because of being married. i am the only one paying off my loans right now and I should n't have almost {$0.00} at the end of the month trying to help support my family and pay these astronomical student loans. My recommendation - do n't go to college unless it 's free or you KNOW you can get an amazing job to help you pay your loans right when you get out.
I paid ARS National Services Inc.XXXX and XXXX was to be forgiven. I paid ARS which is the collection agency for XXXX. I paid settlement amount of XXXX and they were to report a XXXX balance to all XXXX credit reporting agencies which they never did. They still expect me to pay XXXX.
hello, my name is  XXXX   XXXX  and it is regarding a  XXXX  account number  XXXX  my agreement with them was to remove the account or the negatives from my records, after the payment was complete, ( trustworthy me, did not get any written agreement from the company, just verbal ) therefore, now after payment they are not removing the negatives from my credit reporting agencies.   please followup this matter and report to credit bureaus to remove the negatives ( lates ) from my credit reporting agencies  ).    thank you
I had owed hospital XXXX and paid in full, proof was sent to the debt collector but they are still saying I owe the difference that was sent to them and want an additional approx. {$300.00} in interested/fees
This is my XXXX complaint against this company since they took over my loan servicing from XXXX which was modified after a Predatory Loan Settlement was reached and the new company Shellpoint added an ilegal P.M.I coverage that was never agreed upon by me and hidden from me until I discovered they had taken money out of my property tax escrow account to add their own insurance at my expense. This company stopped sending me my monthly statements ( Emailed, or Hard Copy ) and their website only show statements from 2015 for just XXXX months nothing further. They stopped being sent to me when I filled my complaint in 2015 most likely to keep me from discovering further discrepancies on their part. I am requesting your assistance as I called Shellpoint and spoke to a customer service rep there named XXXX or XXXX as well as her supervisor XXXX XXXX who refused to send me my monthly due statements. I am asking you please get involved as I have never heard of any company refusing to send their customers statements nor allowing them to be seen on the website as well. They as well tried to tell me they do n't provide statements which is a total lie as they did before my last complaint to the XXXX.
Case number : XXXX they forced a agreement and the payments are more than what they should be the amount was more than what i owed them to start i they are also involving a 2nd and third party into the finance.i left them a message again to get the title requested so i cantake money from my bank to pay them off.If it dont work im gon na file bankrupt i dont know what else to do tomorrow im calling a lawyer.Im XXXX and i caint have XXXX here anyway the lot i have from XXXX triad and XXXX is illlegal and im on hud.i caint even purchase insurance. ive been homless before. i caint keep this up cause im very sick
I got a Blue Cash card specifically because there was no APR or interest to be charged for 1 year. Every single month, my statement shows that there was an interest charged on purchases. Every single month, I contacted XXXX and notified them about the problem. Each time, every single month, I was told by the representative that the charge has been fixed and will appear as a credit, and that I will NOT have this issue again. Sure enough, soon after, I see a credit adjustment for the amount of the interest on my statement. However, each month, despite being told the issue will not happen again, every statement shows interest charged. I end up having to repeat the same call, for the same credit, and am told each time it will not happen again next month. But then it does. I'm suspicious that this is being done because XXXX XXXX is wagering that I won't pick up on this each month. Imagine how many people don't have the energy to call every month and correct each charge ... for these individuals, is XXXX XXXX simply taking interest that is not theirs to take? Respectfully, XXXX.
i have no authorized information that I used or allowed anyone to use to open this account the paperwork that you have is erroneous and currently i have pursued having these accounts investigated. this company swears that they have my information verified with me which they do not as I have not had any direct contact with this company about my personal information and the company has stated that they now will not have any communication with me to fix this issue but continues to report this account the the credit bureaus???
On the following dates XX/XX/2018 and XX/XX/2018, I drafted and mailed dispute letters to TransUnion in regards to inaccuracy that they are reporting on my credit profile. The accounts are as follow ; XXXX - Closed XXXX - Closed These two accounts are reporting late each month though they are actually closed.
I purchased my home XX/XX/XXXX and did a rate change without requirement of refinance in XX/XX/XXXX. Bank of America improperly recorded the rate change as a Texas 50 a 6 loan ( cash out ) transaction which is now impacting my ability to do a Home Equity loan because of Texas Laws. I subsequently refinanced this same loan 12 years ago with Bank of America and the refinance was done with a XXXX position and XXXX position loan to avoid Private Mortgage Insurance. Neither of those XXXX loans were recorded as Texas 50 a 6 which under Texas law would be prohibited but they were recorded as a standard refinance In addition to those details in the State of- Texas you can only have XXXX Texas 50 a 6 loan at a time if you have a equity loan recorded ( even if recorded improperly ). The XXXX mortgage was again refinanced 19 months ago and again it was not recorded as a Texas 50 a 6 nor did the title company make we aware of the improper recording for a previous mortgage. 

I recently applied for a XXXX lien position Home Equity loan and my Credit Union found the discrepancy which is attached. That equity loan was to payoff the small XXXX mortgage and do home improvements. They nor any other financial institution can do anything at this point to allow me to use equity in my home until this is resolved. 

Bank of America has not been helpful in getting their error resolved.
To whom it may concern, I am submitting this dispute due to the fact that I had submitted a dispute pertaining to an outstanding " corporate balance '' Fay Servicing was indicating of {$21000.00}. Fay responded to have removed {$9600.00} however Fay servicing is now indicating the outstanding balance is {$11000.00} in an escrow shortage. A couple of years back I had specifically recalled Fay deciding to pay my property taxes and insurance, they had begun impounding them. I was accessed the shortfall over a period of about 2.5years to cover the payment they had made to the property taxes and insurance the first year they began impounding. They collected the approximate {$12000.00} plus the monthly impound payment over a 2.5years period because it was a substantial balance that I could not pay up front. I would have appreciated they dug in further to review that I had in fact paid that impound shortfall. I need Fay Servicing to do a thorough analysis of my impound payments as they are not doing so. 
How do these servicing company 's get away with imposing " corporate '' fees without doing their due diligence. It is such a shame there are borrowers that do n't question these predators, that are out to ensure the best interest of the note holder not the consumer. 
I was recently re-accessed in my impound account once again because Fay did not properly collect enough the year prior yet they sent me a check of {$700.00} that very same year, to note there were no increases to either my property taxes or insurance. Fay Servicing 's impound department does not seem to be very organized. Is there any regulations or audits that can be done on the servicer 's impound departments to avoid these types of aggravations? These huge errors pose a major financial burden/problem to consumers. 
I am in the process of refinancing my mortgage to relinquish further relationship with Fay Servicing. I would appreciate an investigation be made, this experience has been a nightmare to deal with. I will go through my record 's to pull out all the detailed information pertaining my impound assessments. 
I look to have this matter resolved immediately, thank you.
Student loan scam. Signed up after they promised to eliminate my interest, get out of default, and get a fixed payment. Realized after that I was scammed, give credit card info for preliminary payments. Was supposed to receive paperwork in the mail, never got it. They call themselves Student Loan Relief Program, called Manhattan Beach Venture LLC when they tried to withdraw money from my account. Luckily, it did n't work and I 'm not sure why ... .not sure what to do next.
I have been receiving multiple phones calls ( 3 to 5 times ) per day, for almost two weeks, from Citibank, in regards to a Home Depot account I do not have, and never have had. I spoke to a Citibank representative on XX/XX/2016, and was told I would no longer receive anymore calls from Citibank. I received another phone call on XX/XX/2016. I stated to the bank representative that I do not have a Home Depot account, and I want the phone calls to stop. I also made them aware that my phone number is register with the National Do Not Call Registry, and that this is my first and final request for them to stop calling my number. I do not have ANY debt in arrears, and have good credit.
I have disputed XXXX XXXX, XXXX, and XXXX XXXX since XXXX of XXXX. I recently disputed a Bankruptcy on my credit profile XXXX/XXXX/XXXX, which I have not received notice that this entry is being investigated. I am a victim of identity thief and want these items removed. I have asked Experian to provide verification documents as of XXXX/XXXX/XXXX for XXXX XXXX ( XXXX accounts ) and XXXX XXXX. They have failed to provide such documents. Then, they allow XXXX XXXX XXXX ( collection agency for XXXX ) to post an entry on my credit profile, even though Experian removed XXXX. 
I asked this credit reporting company to provide me with documents to how these entries are " verified '' and remain on my credit profile. Under FCRA section XXXX XXXX a ) ( XXXX ), a consumer has the right to ask for validating documents within 15 days of an item being disputed. Has it not been more than 15 days? Have I not previously asked Experian to provide me with documents to support fraudulent entries on my credit profile? It has been going on 6 months since my disputes began, and I am still struggling to get an answer, documents, or removal of fraudulent activity on my credit profile.
Received a letter Dated XX/XX/18 stating owed XXXX to XXXX XXXX via XXXX XXXX XXXX. Received numerous phone calls trying to acknowledge debt. NO CONTRACT ON FILE stating obligation to owe or NO SIGNED CONTRACT and NOT AWARE OF DEBT stated to be collected. I am NOT the owner of this debt.
I do not have a contract with ProCollect Inc. Would you please provide me with a contract that I have with your company with the alleged debt you purchased and how much it is for? I have already filed a company with the Better Business Bureau & with the Texas State Attorney General. I would also like to know if your company can legally collect debt?
I have repeatedly requested that THE BEST SERVICE COMPANY provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
I went away to college last year and opened my first student checking account at TD Bank. When I attempted to login to online banking through the TD website, I was encouraged to sign up for an overdraft protection program. I could n't figure out how to " get out of that '', so I signed up. Shortly thereafter, I overdrafted my account and since I was unaware that it happened, I overdrafted again the next day. A week later, TD notified me, via US mail, that my account was overdrawn and I owed {$140.00} in fees. My mom helped me get {$70.00} waived, and the customer service agent we spoke to unenrolled me from the program. Fast forward to a few weeks ago, and the exact same thing happened again. When I asked, I was told that I never unenrolled from the program. However, when I called the corporate XXXX #, I was told that I did unenroll back in XXXX 2015, but the next time I logged into the online system, I re-enrolled. XXXX different stories from them plus I NEVER re-enrolled in this crazy program - I believe their bank system somehow did that. I also believe that TD targeted me as a student who is just learning how bank systems operate and, being a low-to-no income person, this is truly not fair. My entire last paycheck went to paying TD 's fees - and the amount I overdrafted was a measly {$13.00}. Can anything be done about this unfair, misleading and discriminatory practice?
I have never been late on making a mortgage payment and have never partially made a payment. I have a great credit score and always pay my bills on time. On XXXX XXXX, 2016. I received an email from Quicken Loans telling me that they did an updated escrow analysis and that my monthly mortgage payment will be increasing. I called Quicken to find out what the new payment was and Quicken was now asking me to pay {$7000.00} starting XXXX XXXX, 2016. However, my prior payments were only {$3800.00}. Quicken notified me that I have a deficit in my escrow account of {$22000.00} and that they want a payment of {$7000.00} for 12 months and that once the 12 months are up, My payment will be {$5100.00}. There is no way that I can make these increased payments when they happened so abruptly. It is not my fault that there is such a large deficit in the escrow account because I made my payments in full every month. Now I am blind sided with this situation and will end up losing my home. It is not fair that they are just able to increase my payment so drastically. I did not cause this situation. Quicken loans should have accurately calculated the mortgage payment prior to there being a deficit of {$22000.00}. There is no way that anyone could comfortably make this type of payment so abruptly and suddenly. I have no way of paying off this amount and now I am faced with being homeless.
Servicing of my mortgage was transferred from XXXX XXXX XXXX to Nationstar Mortgage on XXXX XXXX, 2014. 
Since that time I have not received any monthly statements. I have had an attorney helping me submit information to obtain a loan modification under HAMP. While we do this, the foreclosure action on my house has been suspended. 
I recently wrote what I believe was a " Qualified Writen Request '' for information. They wrote back providing some answers, but not answers to all my inquiries. 
I have writen to them again, asking for clarification on the interest rate, as they sent me a letter showing it at 9.375 %, which is clearly higher than the XXXX rate plus the 6-month Libor rate, adjusted semi-annually, that the mortgage states as the interest rate. 
I am now asking you to help me obtain this information, as Nationstar has not provided what I need, and I am concerned about getting the information I need.