WillisBack/dataset-financial-user-claim huggingface dataset:
Account Reference : XXXX I was promised that letter in exchanged for paying the total balance of {$1700.00} that XXXX XXXX had told me was due. I had several conversations with XXXX XXXX last week, Thursday XX/XX/XXXX and Friday XX/XX/XXXX, during which he assured me that once I pay the full balance due he would provide me with a paid in full letter by Tuesday XXXX of XXXX 2015. On Friday XXXX I went to my bank and got a cashier 's check for {$1700.00}. I then when to the XXXX XXXX XXXX XXXX that was next door to my bank and deposited the check to the account that was provided to me by XXXX XXXX. XXXX XXXX asked me to fax a letter authorizing him to fax me the letter of paid in full and I faxed that letter on Monday XX/XX/XXXX. I had made the mistake of telling XXXX XXXX that I was in the process of buying a house and needed the paid in full letter. I explained to XXXX XXXX that my loan Officer and Real Estate Agent were waiting for the letter and my deadline to submit that letter was Tuesday XX/XX/XXXX. XXXX XXXX did not fax me the letter on Tuesday ; instead, he called me on Tuesday trying to extort additional money from me after I have paid the full balance of {$1700.00} that he told me was due. XXXX XXXX called and demanded that I pay an additional {$2100.00} or else he would not provide me the letter of paid in full that I need in order to buy the house. The actions of XXXX XXXX and Security Credit System have caused great financial damages to me and my family to the sum of over {$95000.00}. The way I was singled out by Security Credit System for extortion after I mentioned I was buying a house is a clear violation of the federal Fair Debt Collection Practices Act ( FDCPA ). " The collector can not misrepresent the amount you owe. [ 15 USC 1692e ] 807 ( 2 ) ( a ). The collector ca n't add on any extra fees that your original credit or loan agreement does n't allow. [ 15 USC 1692f ] 808 ( 1 ) Sc-motion-3. when representatives from Security Credit System called did not identify themselves as a collection agencies they identified themselves as calling from XXXX.
My case was closed today after the company provided a response. When I read the response I wanted to offer feedback but the option was not allowed to open as the link stated file not found and the case was closed. Case number was  XXXX  against Bank of America who is charging late fees. In their response they stated the payments were automatically refunded, but this is not true as I had to call and was told by their staff I had to call to have them refunded. Overall I am not satisfied with their response and the overall length in time it took to respond if the response was that simple. There is no language to suggest that they will change their language as I had requested in my complaint.
On XX/XX/2018, I mailed Experian a certified letter regarding the Fair Credit Reporting Act, section 611 ( a ) ( 7 ). I said that I was entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information and the telephone number of such furnisher. 

On XX/XX/18, Experian sent me back a form letter not providing me the required information.
I have an installment loan in which payments {$210.00} are deducted bi-weekly. I had a loan payment which was due on XXXX XXXX 2015, however, my paycheck was deposited early and I wanted to make sure that the loan payment was made. I spoke with an agent on XXXX/XXXX/2015 to arrange payment for the XXXX/XXXX/2015 payment which was subsequently deducted from my account on XXXX/XXXX/2015. Today, XXXX/XXXX/2015, I noted that an additional charge of {$7.00} drafted from my bank account. I contacted the company and was told it was a fee for paying early. I was at no time advised of this while making the early payment. I was also advised that a rebate offer that I used when initially applied for the loan would be voided because I made a payment a few days early causing me to incur an additional charge of over {$80.00}. I was never made aware of this when making the payment a few days early and only made the payment to prevent any issue with timely payment since the XXXX holiday was coming up. I should not be penalized for trying to take care of my obligations and ensure prompt payment.
Recently, I've grown an interest in monitoring my credit. I am XXXX years old and I and my family are ready to purchase a home. 
As I've gone through the accounts and collections displayed on my credit I've noticed unusual activity and an ample amount of accounts that do not belong to me. 

I've made several attempts to call the dept collectors and explained my situation to all of them, however these accounts still appear on my report.
i APPLIED FOR A LOAN MODIFICATION WITH M AND T BANK AND WAS DENIED. I HAVE A XXXX XXXX  WITH A RATE OF 6.0 % WHICH THEY REFUSE TO MODIFY BY REFINANCING. I HAVE MORE THAN 20 % REQUIRED FOR THE BANK TO REMOVE THE PMI WHICH WOULD LOWER MY MORTGAGE PAYMENT BY XXXX MONTHLY MAKING IT AFFORDABLE. HOWEVER THE BANK REFUSED TO REMOVE THE PMI UNLESS I CAN MAKE 12 TIMELY MONTHLY PAYMENTS. BANKS SHOULD NOT BE ABLE TO DETERMINE IF PMI GETS REMOVED OR NOT. PMI IS BASED ON THE AMOUNT OF EQUITY. I HAVE EXPERIENCED HARDSHIP AND ASKED FOR A LOAN MODIFICATION AND WAS REJECTED BECAUSE MY INCOME WAS LESS THAN THEY ALLOWED. I KNOW THAT THAT WAS WHY I WAS SEEKING A LOAN MODIFICATION. IF I HAD EXTRA INCOME I WOULD NOT BE BEHIND IN MY PAYMENTS AND SEEKING A LOAN MODIFICATION. REGARDLESS OF ALL I HAVE GONE THROUGH WITH THIS BANK FOR THE LAST 10.5 YEARS I HAVE PAID MY MORTGAGE. I WOULD LIKE THE PMI REMOVED IMMEDIATELY AND IT SHOULD BE AN AUTOMATIC PROCESS THAT WHEN A HOME HAS ACQUIRED THE NECESSARY AMOUNT 20 % THAT IT IS AUTOMATICALLY REMOVED.THERE HAS TO BE SOMETHING PUT IN PLACE TO PREVENT THESE BANKS FROM FORCING MORTGAGE OWNERS INTO FORECLOSURE WHEN THERE ARE MEASURES THAT CAN PREVENT THIS FROM HAPPENING.
XXXX XX/XX/XXXX XXXX XXXX, XXXX As a 100 % rated XXXX veteran I qualify for XXXX medical care at a non-VA facility under CFR 38 1752. XXXX Care coordinator XXXX XXXX contacted the XXXX XXXX VA medical center and received both verbal and written authorization for my care as a VA patient and not a private citizen. Such authorization automatically denotes the VA medical center as the billing entity, not the patient. 

Since XX/XX/XXXX I have repeatedly written both the VA and the multiple agencies of the XXXX XXXX XXXX in an attempt to insure that the costs of this hospitalization is paid. To date, I continue to receive collection notices, to which I immediately respond. 

Today ( XX/XX/XXXX XXXX I was denied credit because a collection agency XXXX had reported to XXXX Credit Bureau XXXX XXXX XXXX items of collection. This agency is unknown to me and in no manner have ever communicated with me, either in writing or by tele-communications. I was never afforded the opportunity to dispute the items they purchased for collection which I deem to be in direct violation of FDCRA and malicious in nature.
I am a XXXX XXXX working with a client trying to avoid foreclosure. He tried contacting his lender numerous times regarding options for modification. They over and over told him to complete loss mitigation package sent to him. Informed him each time he sent all the documents over that he was missing documents, they never received them or that his documents were expired by the time they got the other documents. This has continued for over 2 years now and the ct is now in the OREGON FORECLOSURE AVOIDANCE PROGRAM. We both have experienced trying to contact the account manager in the case and left a number of voicemail and never received a call back. The client and I have yet to get a finalized review for a loss mitigation options for home retention. They continue to not be responsive and prolong the process it feels like till they client has not other option due to all the fees they 've inquired by the lender prolonging the process. When the homeowner has complied and provided all the documents needed.
Disputed with company directly as well as with Credit bureaus Numerous times requesting validation AND verification of debt via certified mail and online disputes tool. Each came back verified with out proof even with an attached FTC report of Identity theft. It has been months and most recent request for verification is now past 30 days without the requested verification. I have also filed a FTC report due to this not being verified because these are not my debts. -SENEX SERVICES
Overdraft fees. 
I understand that my personal finances are my own responsibility, but when there are temporary lapses in funding, Chase ( and most other banks ) will charge and overdraft fee almost immediately. In many cases, this amounts to a 1700 % interest rate on an informal 'microloan '. 
For example, I recently set up an automatic payment for a credit card. I had transferred money to XXXX account ( I keep them separate to manage funds ) and because the transfer had not yet processed, and the CC pulled their payment ( ACH ) from my Chase account, there was a {$34.00} overdraft charge. 
In some cases, this has been for a tiny amount of money, resulting in a 1700 % usurious loan fee on a small purchase of something like a cup of coffee. 
Furthermore, this can not be deducted from income taxes as 'accounting ' or 'bookkeeping ' fees. Why not? As an XXXX, I do n't have time to be an accountant, nor can I afford one, so I 'm occasionally hit with these fees. Why are n't they bookkeeping fees? 
I have some education on this matter, and I try to keep tabs on all this, I ca n't imaging someone with little education ever staying afloat. It seems with all the different ways to pay for things these days and different streams of money, something needs to change with these fees. 
It 's infuriating.
Please delete all accounts which have nothing to do with me, regardless if its reported as collection, charge off, closed with balance because they do not belong to me and other accounts which were unverified, inaccurate and false asap. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX   XXXX,
Never dealt with Wells Fargo ever. My situation is I was dealing with XXXX XXXX  in XX/XX/XXXX. & XX/XX/2018. I applied with this bank for a credit card so that later I could ask for a balance transfer upon approval. This is the banking style and credit card services that I have been accustomed to. Apparently, this bank has a whole other realm of procedures that they follow. I went in unaware and unprotected not knowing this. The methods they employ seem to set you up for errors. On the online application is an option for a Balance Transfer. I chose it, since I do not lie regarding my banking goals. I filled in the info for this transfer, only as a precursor of things to come as a request. I did all this based on what I did expect from a bank, not on what they would bind me to and impose upon me. All the while I wasn't feeling well. One thing led to another from thereon, as will be seen in my attached documents. When one does not feel well, the fine print doesn't seem important as some Terms & Conditions and options to cancel out, are discovered only after the fact of hitting the application " Submit '' button. From my correspondence to Wells Fargo, I do not believe they will yield in any way, nor in a compassionate stance. So, I implore this Bureau to do your best for me in regards to contacting them on my behalf, or other helps.
I had a XXXX and the XXXX XXXX representative sold me an online advertising renewal on XXXX XXXX, 2013. She also had me sign an annual renewal on our print advertising that was NOT due to renew for 6 months, but she found it convenient to go ahead and have me sign both at the same time. Please see Attachment pages XXXX, in which I signed in XXXX for the contract which should have been signed in XXXX ( for print ads to start in XXXX of same year ). 

The XXXX was sold in XXXX 2013, and the new owners decided to not renew the print advertising contract. I have attached an excerpt of the sales contract, " Schedules '', which has the XXXX shown as a contract that will transfer to the new owners. I have attached an email from me to the XXXX agent XXXX XXXX, in which I am trying to verify when the contract would renew and inform her that the business has been sold. She did not respond. Apparently, because I had signed in the distant past, XXXX to print the advertising in their new book. 

I had many phone calls with the XXXX XXXX XXXX rep assigned to the case, but whenever I called in response to another collection notice, the answering agent seemed to have no access to the last phone call discussion and we had to start all over again. Unfortunately, since most of this occurred over phone I have no written proof. 

XXXX the pre-mature contract renewal came to light, and after multiple discussions, XXXX admitted that the billing problem all happened because of the early signing, which was not their usual way of operating and probably done solely out of convenience to the sales person. They admitted that they should have verified the contract before printing the XXXX XXXX. XXXX agreed this was their wrong and said they would not hold me or the new business owners responsible for that contract. 

NOW, about a year later, I get a letter from a collection agency ( which turns out to be XXXX but does not use their name ) trying to collect {$1300.00}. I again called to fill them in that this is not my business anymore, and that XXXX has agreed that they do not have a valid contract, and that they probably just failed to do good record keeping. I was transferred to XXXX XXXX, who was rather aggressive, and that the account was in " pre-legal '' and that if I did n't pay I could just go to court to settle it. I was trying to explain to her the circumstances of the sale of the business, and she said the debt was in my name and it was mine and I was gong to have to pay it. 

When I asked for information regarding who would be the appropriate governing body to which I would file a complaint about inappropriate collection efforts, she said there was none. I rephrased that I would like the contact information for someone to which I could file a complaint, and she insisted there was no regulation of commercial collection accounts, but I was welcome to XXXX it. I feel this can not be true.
I took a credit card for furniture ( in store card ) XX/XX/XXXX. The original debt was for {$1800.00} Interest free. The Debt was sold from XXXX to XXXX XXXX to The XXXX. From XX/XX/XXXX- XX/XX/XXXX I paid every month as promised. I never missed a payment and it was on " autodraft '' so I was never late. I ended up paying {$2100.00} over 4 years. Keep in mind through-out this 4 year period I stopped receiving bills from XXXX, I called as to why and nobody could help me. I had no idea it had been sold to XXXX XXXX until XX/XX/XXXX when I was contacted by a collection agency asking for {$1900.00}. I back tracked again XXXX, who again knew nothing, I called XXXX XXXX, who told me the debt was not theirs anymore and knew nothing. My issue is I have proof that I paid the loan in full via my bank statements. {$53.00} a month every month. However, nobody can explain or show proof as to why 5 years later after paying {$2100.00} on a {$1800.00} interest free credit card ... I now owe {$1900.00}?! That would be {$4100.00} on {$1800.00}. Please help me. This has ruined my credit and the collection companies are saying I still owe them money on a debt that NEVER existed to be sold!!
My JP Morgan Chase Checking Account XXXX was overdrawn in the amount of {$9100.00}. Chase offer me a settlement compromise, of {$4500.00} in three payment. I refused this settlement offer and requested to pay the account in Full. 

JP Morgan Chase requested I pay {$9100.00} to pay the same in full. I paid {$9100.00}, to JP Morgan Chase. JP Morgan Chase recovery department agreed to notify ChecSystem that the same account JP Morgan Chase reported to ChecSystem is paid in full.

JP Morgan Chase recovery rep. also agreed to provide me a letter on JP Morgan Chase letterhead stating account number XXXX is paid in full as of XXXX XXXX, 2017 as the direct result of receiving payment from XXXX XXXX XXXX in the amount of {$9100.00} bring the account to a XXXX balance. 

I have contacted JP Morgan Chase, twice since performing under our agreement to remedy the overdraft in my above said account, by paying the full balance amount of {$9100.00}. 

The Chase recovery representative agreed to provide me a receipt of payment, showing the amount of paid, with the language " paid in full, '' written on Chase letterhead. 

After I made payment in full to Chase, Chase recovery states they can not give me a receipt, showing the amount I paid, nor will they state the account is paid in full.
I believe someone is using my personal mortgage acct/info to reverse my mortgage payments. Now Bank of America is claiming 2 months are owed on my acct and that is false! Here 's similar people/cases : " Well this XXXX is still add it.I 'm glad I found this website becasue I was going crazy! They tried to tell me that if anyone does n't pay by the XXXX that they will call to make arrangements to take your payment over the phone. Well, I 'm never late and it is only the XXXX of the month so I 'm well within my grace period. I went OFF on the lady ( i actually felt bad ) but only becasue my experience with BAC has been so horrible. I went into BAC main office and they verified that this was scam number- they are NOT BAC and my loan was in good standing. There has to be away to block this company up for harassing people- playing with peoples homes is no joke! i called the # back and it says they XXXX and they have all my account info. CREEPY!!!!!!!! '' XXXX
OnXX/XX/XXXXI called AES customer service to inquire about having the paid ahead status removed from my account. The representative instructed me to send an email requesting the removal. Two weeks later I received a call from another representative that an email was not an accepted form of communication for this request and I would need to mail or fax a letter. In XX/XX/XXXXI faxed a letter with the following message : I am requesting to have the paid ahead status removed from my account.

OnXX/XX/XXXX I called AES to verify that the paid ahead status had been removed. I was informed that it had indeed been taken off. However, when an extra payment was made that month the payment was again moved ahead. Again I contacted AES and another representative told me that the paid ahead status was only removed one time, even though my letter did not say one time. It has now been 3 months and I have not been able to get the paid ahead status removed from my account permanently.
I sold a utility trailer to someone 15 years ago. They never registered it with California DMV. Now they have received XXXX parking tickets from the City of XXXX XXXX for parking in a street sweeper zone. I went to DMV and had them stamp non-responsibiltity statement and sent it to the City of XXXX XXXX XXXX Department. The stamp is not back dated to 15 years ago, so the City of XXXX XXXX turned me into collections for the parking tickets that are not mine.
This is not my debt and has never been. XXXX XXXX company attempt to collect money which is not mine on XX/XX/XXXX. I request verification of this alleged debt. They have not supplied me with any physical evidence of this alleged debt. They only sent me previous capital one bank partial statement on XX/XX/XXXX. This is unfair business practices and deceptive. I am being bullied into a paying for something that isn't mine. Does XXXX XXXX company make up fake accounts and send me and report credit agents them in hopes that unsuspecting consumers pay them? How many other people has this unscrupulous company done this to? Are they even licensed and bonded? I am also going to file a complaint with the GA Attorney General 's office. I have already contacted them and confirmed I do have grounds for a complaint. This shady company needs to be investigated. I demand that this is removed from my credit reports once and for all. Also request close this alleged debt from their ledger and send me the proof immediately. ( ID theft report was sent to credit reporting agents )
EQUIFAX GAVE OUT MY PERSONAL INFORMATION IN THE BREACH THEY HAD. 


MY CREDIT FILE WAS COMPROMISED AND GIVEN OUT IN YOUR BREACH. 

I GOT AN EMAIL TELLING ME ABOUT IT AND TELLING ME TO SIGN UP FOR FREE CREDIT MONITORING. 

I SIGNED UP OVER A MONTH AGO. 

WHEN I WENT TO CHECK MY INFORMATION SEVERAL DAYS AGO I WAS LOCKED OUT AND TOLD TO RESET MY PASSWORD. 
I WAS THEN TOLD TO WAIT 24 TO 48 HOURS TO ACCESS THE SITE. 

WHEN I TRY TO ACCESS SITE PUT IN ID. XXXX XXXX XXXX and put in password XXXX i AM TOLD THE CREDENTIALS YOU SUPPLIED ARE NOT VALID. 

I HAVE CALLED XXXX AND TALKED TO 3 DIFFERENT CUSTOMER SERVICE AGENTS AND 2 SUPERVISORS. NO ONE CAN CORRECT THE PROBLEM. I WAS TOLD THE RESOLUTION TEAM WOULD GET BACK TO ME TO RESOLVE THE PROBLEM. NO ONE HAD EVER GOTTEN BACK WITH ME. 

I BELIEVE YOU ARE DOING THIS ON PURPOSE SO YOU DONT HAVE TO GIVE ME THE FREE CREDIT MONITORING. I WILL REPORT YOU TO Consumer Financial Protection Bureau ( CFPB ) AS YOU ARE NOT FOLLOWING THE AGREEMENT YOU MADE WITH THEM. 

XXXX XXXX XXXX JUST A THOUGHT FOR YOUR IT DEPT. ERASE MY ACCOUNT ID AND PASSWORD AND LET ME PUT IN A NEW ONE. IT SEEMS PRETTY EASY YOU DONT HAVE TO BE AN IT GURU TO FIX THIS PROBLEM IF YOU WANT TO.
Capital Accounts contacted second week of XXXX. me regarding a debt to XXXX XXXX. I requested that this request be in writing and it would be great if they can substantiate their claim. I received a letter dated XX/XX/2018 demanding payment without proof of the debt. I replied to their letter that I'm disputing the validity of the debt in a written notice dated XX/XX/2018 and mailed on XX/XX/2018. Capital Accounts kept calling me requesting a payment in 5 separate occasions. I kept asking for them to mail me evidence of the debt and what transactions gave rise to it. I have not been to XXXX for 4 years. Today, XX/XX/2018 I received a letter dated XX/XX/2018 asking for payment of XXXX or it will appear as a derogatory item on my credit report. Still I have not received any proof of the debt. The account number referenced is XXXX. Capital Accounts conduct is unenthical and they are attempting to unjustly benefit from me. Please make them stop or provide proof that I owe the amount.
I received an unexpected annual fee of {$59.00} ( card is and was advertised as no fee ; however, during the sign up process I was " upgraded '' to a card with a fee I later learned ). As soon as I saw the fee, I called to cancel it ( XX/XX/XXXX ). They offered to cancel my card but wouldn't waive the fee. They didn't even offer a pro-rated credit for all the remaining months! 

I didn't willingly sign up for an annual fee card from Alliant. It's even more disappointing I've been a customer for over 10 years with a very large balance. I emailed the CEO ( XX/XX/XXXX ) about the issue though it still hasn't been resolved.
I received a letter saying I owed money to XXXX from Allied International Credit Corp. The letter is a SCAM. I do not owe any money to XXXX, I have n't used my XXXX account in 2 years and logged into my account to validate I have a XXXX balance with XXXX. Internet search reveals the same SCAM has occurred several times to other people. This SCAM uses up to date name and address info and comes across as a very real collection letter.