WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call informing me that they were processing an order in regards to a complaint filed against me and I had the opportunity to provide my address to the " information center '' so documents could be served to me at either my home or work address. I was given a case number. When I called the number with the referenced case number, I was told I had a delinquent account from XX/XX/XXXX, which was sold to a group of attorneys and finance company to collect funds. I was told it was a XXXX XXXX XXXX credit card I opened XX/XX/XXXX and was delinquent XX/XX/XXXX. I was told I could pay {$800.00} on a {$1800.00} delinquency. A document was sent to my email to sign to clear the delinquency and avoid legal action. They also explained that the phone call was to determine if the delinquency was purposeful or inadvertant. I explained I was unaware I had a credit card from XXXX and that I was going to check with XXXX to determine if this information was accurate. Upon speaking with several representatives at XXXX, I learned I did not have any credit cards with XXXX, and none that were charged off as delinquent. I called the " agency '' back and informed them of their error. I did receive their full mailing address and the agency name : ARG & Associates ; XXXX XXXX XXXX XXXX ; XXXX, AL phone number XXXX
A letter was sent to my home, alleging to be a collection agency for a debt to eBay. The letter was addressed to my maiden name, which I have not used since before eBay existed. An internet search of the telephone number listed in the letter revealed that this is most likely a scam and should not be trusted.
I place a call to PNC Mortgage in regards to a Loan Assumption. I told the loan assumption clerk that I will be retiring pretty soon and my income will be drastically reduced. Can my wife of 20 yrs assume the loan due to the fact that she has been making the payment for the last 10 yrs. I was told by PNC Mortgage Loan Assumption Dept., the only way my wife can assume the loan is either thru death or divorce per XXXX XXXX Guidelines. I contacted XXXX XXXX and inform them what PNC Mortgage Loan Assumption Dept. stated. / A XXXX XXXX supervisor TOLD ME THAT IS ENTIRELY UNTRUE, NOTHING IN THEIR GUIDELINES STATES THE ABOVE. My rights as a consumer was violated and I ask you to investigate this matter.
On or about XX/XX/XXXX I received a letter from XXXX that they received a negative finding from a company called EARLY WARNING, XXXX XXXX XXXX XXXX, XXXX AZ XXXX. This notice stated I could receive a free copy of this report by going to https://consumerservices.earlywarning.comI downloaded the form, filled it out and faxed it in on XX/XX/XXXX.I received this report on XX/XX/XXXX as an attachment to my personal email at XXXX.This report contained every type of identity information known to mankind, specifically Routing numbers and account numbers of banking information, most notably my current XXXX account, and specifically EVERY transaction taking place in my XXXX Account.On XX/XX/XXXX I met with the Assistant Branch Manager, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  DE T: XXXX and showed her this report.  She stated that she was NOT aware that Early Warning was reporting detailed transaction information on my XXXX Checking account.  She escalated this to its corporate office in XXXX  PA. I received an email from a XXXX XXXX RE: Case# XXXX and her direct line is XXXX.  Because of some medical appointments I was unable to contact her as of the date of this complaint.  Yesterday, XX/XX/XXXX, I spoke to Attorney XXXX XXXX XXXX of XXXX as a telephone consultation. Based on the information I sent him he recommended I contact the Delaware State Attorney General at my earliest convenience.I do believe this is a blatant violation of privacy on both parts of this EARLY WARNING company as well as XXXX as I believe XXXX is releasing this information to EARLY WARNING without my permission and EARLY WARNING is providing it to any company who will pay for the report.
I fell behind on my mortgage due to my husband illness and unable to work. He finally was approved for XXXX and we were able to make our XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and late charge payment. We paid two months a head being that his XXXX check was not going to be relieved until XX/XX/XXXX which would allow me to make XX/XX/XXXX payment on time. I spoke to a representative to make sure they quoted me the correct amount to do so. I also requested an escrow analysis being that my escrow account was not setup correctly. My solar payment was supposed to be added as of XX/XX/2016 for XXXX and was not. The rep advise to save the difference in should be paying every month so that when I receive the escrow analysis it would not be a surprise. I then made my payment for {$7800.00} to cover XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment via XXXX. I followed up two days after to make sure it was applied correctly but it wasn'the the money was received but not applied. I spoke to representative who got her manager involve to request the payments to be applied. I called back on XX/XX/XXXX and the automatic system show XX/XX/XXXX payment due. I requested to speak to a live rep who was not able to assist me and transfered me to an account manager. I explained to the account manager my call would probably drop and ask if he can call me back if the call dropped. He said he 'll try. The call drop and no one called me back. I called again and asked to speak to a manager and was transferred to another rep namedo XXXX. I explained the entire story again to XXXX. XXXX said payments were applied to XX/XX/XXXX and XX/XX/XXXX and the rest to escrow shortage. I told him that was not how we made the payment and not what we were told would happen. He then told me he was not a supervisor and he supervisor can request to reverse the payment but my monthly payment would increase. I explained to him that I am aware that the payment would increase as now there is a solar payment added to my I 'm pounds and that why I requested the escrow analysis in the 1st place to have my I 'm pounds reflect the additional payment. I requested to speak with his supervisor. He then said he 'd spoke to her and allowed him to transfer the call. He transferred the call but after the 1st ring tone the call went to voice last name XXXX. I am very frustrated with the way my account is being handled and how I was being mislead. I fell behind due to uncontrollable sercumstances and all I want is to fix my account but no one seems to be professional enough to do so
I was called several times by " Premier Student Loan Center '' and one day I actually took the time to listen. They informed me after an hour phone call and digging into my loans and work history, that I was eligible for " Obama 's Loan Forgiveness Program. '' I heard about this and thought that I didn't qualify since I work in XXXX/XXXX and not for the government or a non profit sector. They took about 20 minutes and returned to tell me that I was approved despite my work field. I was told that 73 % of my total loan was forgiven and I would have to pay the balance to them plus fees to file the application resulting in {$190.00} for 6 months and {$80.00} a month for 240 months. Similar to paying a tax attorney to comb over your taxes, I proceeded. I was initially excited and thought that my loans would be paid and the decrease would significantly help me financially. The application takes 30-90 days to process and almost a month later I checked to see if my loans still showed up on my credit score, and they did. Contrary to what I was told the loans would be paid in full and reflect a XXXX dollar balance. I called my loan officer who informed me that I didn't actually qualify for the program and that you have to make 120 payments to even apply, I made 0 thus far having just graduated. They also said that an application was never processed in their system. After researching scams I learned that this company and others like it never submit your paperwork and collect money from you while your loans sit in forbearance. I am sure many people catch this over time as the government will notify you of this, but normally by then you have shelled out thousands of dollars. Luckily via my friends urging me to look even further into it, I made one payment and reported that as fraud to my bank. I currently have a lawyer looking over the paperwork so that legal documentation can be drafted to dismiss the contract due to their services never being rendered. If you receive these calls or find these sites, STAY AWAY. If you work for the government or a non profit you can simply sign up online for free after making 120 payments. If you were a victim of this scam, change your card numbers immediately, contact your bank about the fraudulent charges, save every email from said company, and contact a lawyer! Don't fall prey to the scams of the world!
On today approximately at XXXX XXXX. My capital one credit card was declined at the XXXX XXXX XXXX for less roughly {$10.00}. I used my XXXX instead. After being EMBARESSED, I pulled over and called Capital one. I was informed i needed to speak to the fraud dept. I spoke to a rep. that I later transferred me to a Supervisor upon my request. the supervisor XXXX employee number XXXX who informed me that i would need to collect government issued IDs and social security cards from all of the newly added authorized users and the authorized users that was already added and had not been previously asked for any of this information. I then requested to have them removed as I can not control if each person would give me both DL and SS card ( copies ) My son whom is a student does not have a government issued ID and I have no plans on doing such at this time would also need those items.. WITHOUT each person providing their info my card would be RESTRICTED. I have never been late and have had my card for several years. I am floored as, my son uses his card and i could have been out of town on business. If I had what would have happened. I did not receive an email or a phone call from the fraud dept. In times before they send emails to confirm purchases and ensure quality and consumer protection ... This is not quality or consumer protection. I ordered the cards and they are being sent to my secure address and it is the address that was on file. I read and called to ask for authorized user guidelines and limitations and was never told that requesting a certain means you have to PROVE certain things and IT will lock your card if all parties are not comfortable with sending over information.. 

I believe in Policy and Procedure.. I do not believe in XXXX gestures. These above actions should have fix actions, of Capital One client retention. I would like capital one to understand some people will provide me with their information and others do not feel comfortable sending those XXXXwo piece of VERY SENSITIVE information. As the PRIMARY account holder I am responsible for the account and the charges.. I can not make them want to send over that information ... which  ultimately will have me paying my card off and closing my account. I have several cards with Capital One and all in exceptional standing.. I also am an authorized user on a family members card and I was NEVER asked for PHOTO ID AND SS .... THIS IS A FORM OF DISCRIMINATION. I was also told this was FEDERALLY mandated to ask for the ID AND SS .... i have read disclosured and printed them from Capital and the Federal Government and could not find such law
On XX/XX/XXXX I placed a claim with my company. The claim remained open and in XX/XX/XXXX we had a situation with one of our bathrooms and another claim was entered To the insurance. First claim was paid but now we got a second claim open and our insurance was canceled. We were told that we had to open claims for home mortgage and that we can not get insurance. The second claim remained open until XX/XX/XXXX and Wells Fargo home mortgage went ahead and placed mortgage placed forced insurance on our property since we were unable to obtain insurance because of our open claims. We worked with an attorney and the claim was closed and we were not notified by that attorney or by Wells Fargo that the second claim was closed. Our mortgage payments went from $ XXXX {$2600.00}. Six months later it went from XXXX and we were unable to make those high mortgage payments so we continue to pay the {$2600.00} .and we were uvia letter from Wells Fargo that that included the insurance plus additional money in case we went over for the escrow. Today the payments are XXXX and were in a negative escrow {$15000.00}. In XX/XX/XXXX I found out that the claim has been closed and that everyone had gone paid so I called my attorney and I found out why Ive wasnt informed of this why nobody told me and I went ahead and paid for my new insurance info and I gave the money to Wells Fargo so that they can sign the check so I can retrieve my insurance money. It is now XX/XX/XXXX and I have yet to receive a dime because Wells Fargo is holding onto {$45000.00} that I have received from the insurance to Fix my bathroom. Whenever I call they ask me for new paperwork and new paperwork paperwork that I just dont have its impossible to have Ive spoken to everybody and they refused to let a dime go. Also they still have forced placed insurance on my home even though the policy has been paid since XX/XX/XXXX and full and theyre telling me that they never received any paperwork even though my insurance agent and myself have fax it over twice. They have also ruin my credit because they still have an outstanding escrow account and I have hired attorneys to help me with this and theyre telling me that the burden is on me to prove that they forced placed insurance because I had open claims. Wells Fargo is claiming that they never left open claims on my record and that if I wanted to get insurance I shouldve been able to do so. I have been speaking with my insurance agent to get some type of paperwork that said that I had open claims on their placed on by Wells Fargo but the problem is that once the claim closes everything goes away and its very difficult for them to obtain anything that says that I have an open claim because there is no open claim. so as of today I have not received any of the money that I received from the insurance the {$45000.00} I have a - {$15000.00} escrow account and I still have forced placed insurance on my home aside from the insurance that I paid and my credit went from a XXXX till XXXX because they have me as pay late because they had me with an escrow for the forced place insurance. Can someone please help me with this?
XX/XX/2018 loan for {$550.00} paying a total of XXXX at end of term in interest I paid the first payment and the second payment ive defaulted and within a day they are harrasing at work calling and thats not acceptable and messaged me saying they will not go away that they will call work and ask for my supervisor to collect.
My APY on my money market account with Santander changed from 1.25 on my XXXX/XXXX/XXXX statement to 1.10 on my XXXX/XXXX/XXXX statement to .75 on my XXXX/XXXX/XXXX statement. I received no notice or notification about the change in my APY nor authorized the change with Santander or agreed to it. This is highly concerning to me as this is a violation of Banking regulations and warrants a complaint. I did try reaching out to Santander customer support and they gave me no written excuse. Instead they told me to call a customer support number which I did and sat on hold for XXXX minutes and could not hold any longer. I think it is ridiculous that the Bank could not respond in writing. I believe this Bank is treating its customers Unfair and are being deceptive about their business with its customers. I would greatly appreciate the CFPB and the regulator of Santander to perform an exam of this Bank and identify all its control breakdowns and deceptive acts and other potential regulatory violations.
The following debt/accounts are student loans that were previously managed by XXXX XXXX. My current student loans are being managed by XXXX XXXX and they are in good standing. I deferred my student loans when they were managed by XXXX XXXX, however, they are being shown as negative accounts in my Experian Credit File. XXXX and XXXX have deleted this information from their profile after disputing because XXXX XXXX was supposed to have them removed. This is having a negative impact on my credit and need them removed or be in the good standing category on my credit file DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DPT ED/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated DEPT OF EDUCATION/XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated DEPT OF ED/NAVIENT Account Number : XXXX .... Outcome : Updated XXXX XXXX Account Number : XXXX .... Outcome : XXXX XXXX XXXX Account Number : XXXX .... Outcome : Updated
Company violated my rights under the FDCPA by continuing to attempt to collect the debt after I requested a debt validation and before they sent the validation to me.

The Fair Debt Collection Practices Act clearly states that collection agencies MUST cease all collection activities until they provide validation of debt, once a consumer a consumer request is received.
Our mortgage company, Ocwen Loan Servicing, has reported our payment for XXXX 2016 late to all credit bureaus because it was made in on XXXX XXXX, 2016. There where only 29 days in XXXX.
My home mortgage was originally with XXXX, Then it was sold to FCI, which I have attached documentation. FCI illegally increased my from {$24000.00} to XXXX. Secondly. FCI needs to disclose the amount my mortgage was bought for because since my address did not change, XXXX sold this note, I am only legally obligated for the amount this mortgage was sold for. I also believe these payments with FCI to be illegal and the CFPB should investigate this company.
Constant harassing phone calls from XXXX XXXX from concord resolutions stating I have XXXX hours to pay or will be served papers and arrested. 

Concord resolutionXXXX XXXX XXXX XXXX NY XXXX
I received a phone call at my employer from portfolio recovery on XX/XX/XXXX at XXXX. I told them that I work at a XXXX and it was very unprofessional to call me here. I asked them put my employers phone number on their do not call list and asked them to not call my employer again. On XX/XX/XXXX at XXXX I received another phone call from them at my employer 's and then another phone call from them on XX/XX/XXXX at XXXX. I took a picture of the caller Id showing both of these violation calls. I called them back on XX/XX/XXXX at XXXX and told the rep that I have received another phone call from them and he said that his notes show my request for my employer 's phone number to be removed on XX/XX/XXXX and that I should not be receiving phone calls to this number. He acknowledged the XXXX violations from the company and gave my his supervisors name and phone number.
Transunion, XXXX, XXXX and XXXX are all reporting an unverified bankruptcy. When I disputed the item and asked them to verify it, they said they verified it through the courts.

That is impossible and incorrect. The courts DO NOT speak to or verify items with third party agencies or credit bureaus. I even sent them the letter to prove this and they still are improperly showing this unverified bankruptcy.
I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.
well i had purchase a car from XXXX in XXXX it was XXXX ; XXXX dollars on the windshield of the car when i look at at and decide to purchase the car which the open date was XX/XX/XXXX and the last update XX/XX/XXXX which terms of this loans 64 months at payment i am paying XXXX which the car is not worth XXXX dollars by the terms of 64 months to pay off they told me my interest was 12 percent now i find out it 18 percent which they are a rip off company my balance today on my credit report state that XXXX which i have been pay this car off that are company over charging customers on a car loan need to be report which i have done threw my credit beareu company XXXX i am not happy at all with is because i know they are rip me off in a high interest charge my amount of payoff is not right everytime i call them they aint trying to explain or solve the issue on this problem they don't have no answer to what i be asking about the situation i have been dealing with them ever since i had this high rip interest with them the company name is XXXX there address XXXX XXXX XXXX XXXX XXXX, XXXX
LVNV LLC is reporting a late on my credit report. LVNV purchased this debt from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX charged off this debt and sold it to LVNV. LVNV did not and provide proof of ownership of this debt, when reported to the CRA. A receipt, an assignment, .a contract is needed as proof of ownership.This must be produced as per FDCPA, without it they are unable to report a debt not proven as owned unless proof of ownership is provided. They claim that a validation letter is proof, wrong, it must be it must in a form sale receipt, contract, or assignment. This is a violation, please delete
I have come to the realization that even though I am a tax-paying consumer in the United States of America, my rights under the FCRA and the Constitution are constantly being pushed aside for profit. I have submitted disputes to the 3 major credit bureaus ( XXXX, Equifax, XXXX ), as well as the secondary companies XXXX  and others. I know that under the FCRA, they are to properly and THOROUGHLY investigate any and all disputes. This does not include that these companies use XXXX, or defer to XXXX or PACER as a primary means of verification. But time after time, I am given the same answers, and it is not accurate. XXXX actually posted inaccurate information on this very site! I am disupting a bankruptcy in California, yet they say they are investigating in XXXX XXXX, Florida!! I am demanding that these companies PROVIDE ME WITH TANGIBLE EVIDENCE of their verification, not just saying they verified with XXXX or XXXX.
Someone opened XXXX XXXX XXXX Uverse accounts using my personal information. The locations were not even in the state where I live.
These people called several times and when I finally returned the call they called themselves Receivable Performance Management ... when I asked about why they called they asked if I was XXXX XXXX ... they then asked to verify my personal info like address and social security number ... I refused to provide them with it ... they then put me on hold for an extended time ... I owe no one and am up to date on all my legitimate credit accounts and have done no business with anyone in years and years outside the current accounts I have ... I want these people to identify what they want and contact me via mail only ... then leave me XXXX alone ...
Discover Card has not changed my due date and keeps charging me late fees. There was a fraud on the card so we cancelled that card and have not received the other one. They refuse to change the date as they state we are late of which we are not.