WillisBack/dataset-financial-user-claim huggingface dataset:
During my last weeks with XXXX, I made several attempts to make payment arrangements for the balance owed on my cellular phone bill. After having continuous phone service with them for 10 years, I was forced to port my phone number and take my business elsewhere due to their inability to work with my financial situation. I was unemployed but was starting a job in the next week ( XXXX XXXX, XXXX ) On the last day of my services I ported my number and transferred my business to XXXX XXXX. 
At the time of the change, I was leasing a phone ( XXXX XXXX ). So I expected there to be some additional fees but not the fees that they tacked on and keep adding to. My final bill was {$260.00} for usage, taxes and fees. There is also a Purchase Option Price for the phone of {$110.00} XXXX totally expected ). Then they added an additional fee of Lease Cancellation of {$590.00}, for a grand total of {$1000.00}. When I called after receiving this astronomical bill, the representative stated I 'd have to pay that fee whether I left or they disconnected my line. So I would not have had a choice. I am so furious with the way I was treated for years before finally getting mad enough to leave. And when I do I have to pay them for the privilege. 
This is wrong on so many levels. And to add insult to injury, They sent my account to collections before I even received a final bill. My last 2 payments with them were XXXX XXXX, XXXX for {$100.00} and XXXX XXXX, XXXX for {$45.00}. But they rushed and sent my account to collections without allowing me a chance to deal with the frivolous charges they added to the account. Also for a period of time after me leaving, they had reps calling me asking me to come back offering me all these discounts. But the fact that they have no one available in customer service to discuss your issues when you 're having the issues and their lack of care for my situation although I had been a loyal customer, no amount of money could get me to go back for more bad treatment. I did, however, ask about the final charges and was told it would be the payoff for the phone and my final bill. The lease cancellation was never mentioned. I also brought to their attention that upon getting the phone I was told I 'd be charged $ XXXX and they were charging me $ XXXX. That was one of the reasons I kept trying to call them. 
Please help me resolve this bill fairly. Thanks in advance.
THIS BEGAN ON XX/XX/2018 when I pulled my yearly credit report. XXXX XXXX XXXX collecting on the behalf of XXXX for {$610.00}. I have disputed ( via certified 611 letter ) this ONCE WITH XXXX AND XXXX AND IT WAS PROMPTLY REMOVED. I have disputed this ONCE with XXXX. I have disputed THREE TIMES to date with XXXX   ... ONCE online and TWICE via TWO CERTIFIED 611 LETTERS. They have removed it TWICE and put it back for a THIRD TIME. XXXX is the ONLY credit reporting agency, STILL reporting this fraudulent account. They also report as XXXX XXXX XXXX HAS ALSO PLACED THIS FRAUDULENT DEBT UNDER " ERC '' ... it's AKA.
I received a letter fro m Fay Servicing with a foreclosure filing 2 days before the foreclosure case was granted and closed and the foreclosure was filed by a different mortgage company. Prior to the day of me receiving the letter I had not been contacted by or even heard of Fay Servicing.   XXXX   XXXX  , 2017 a letter was left at my residence on the door sweep, from someone from Fays Servicing, not via a delivery service such as US mail or anyone from a legal affiliate. Fay Servicing has reported a {$60000.00} balance for a mortgage on my credit report showing 90 days past due and has caused my credit score to severely decrease. The property that was into foreclosure balance was not even close to {$60000.00}. Please investigate this company for they have committed fraudulent activity.
Ran a credit report without my consent. I 've never given consent nor will I ever do so. Furthermore they did not notify me of this, which violates law
I had a second mortgage with Wells Fargo ( {$110000.00} ). I had trouble when my husband was sick keeping up with our mortgage payments ( for 1st & 2nd ). I applied for a mortgage modification with both lenders. I was told by Wells Fargo that they wait to hear if the 1st mortgage approves a loan modification, then they follow suit. In 2013 XXXX, the holder of our 1st mortgage approved the mortgage modification. Upon learning that we were granted the mortgage modification, Wells Fargo converted our 2nd mortgage into a personal loan. They placed it in default and told me that if I did not pay the full amount they would foreclose on my house. 

Wells Fargo also filed for wage garnishment with the Circuit Court of XXXX County. I received a letter in the mail after the fact, but was not notified of the I had no option but to pull all of my money out of my 401k to pay them off ( {$77000.00} ). I also had to take additional loans out to pay off the full amount. 

By pulling this money out I lost my retirement savings, I took a huge tax hit. ( this is because they changed it from a mortgage loan to a personal loan ( without my knowledge ) ) Even though I satisfied the loan it is still on my publicly view-able court record for XXXX County ( as well as for XXXX XXXX XXXX County, because they filed in both accidentally ) I have email exchanges with their attorney XXXX XXXX admitting to the filing mistake and promising to fix it. It was never fixed. 

I had no choice but to pay it off as my job requires clearance level that I would lose if I had foreclosure or wage garnishments on my records. 

I have lots of documentation from this period of time. 

I made some phone calls at the time to try to find a way to complain, but was told by everywhere I reached out to, there was nothing they could do. I would like to pursue this at this time because as I watch the news I am learning there are more and more people in bad situation due to Wells Fargo and I like them held accountable.
When viewing my credit report on XXXX/XXXX/XXXX, I found a negative account with a company called Hunter Warfield. The amount owed is {$2300.00} and was placed for collections on XXXX/XXXX/XXXX. I have never heard of or been contacted by this company notifying me of anything. They have incorrect information. I am requesting that this be removed from all of my credit reports.
XXXX XXXX XXXX stated we owed a balance after we paid the contract agreement. XXXX sold the matter after we disagreed to a Collection Company XXXX. We worked with XXXX and went to Magistrate Court XXXX. It was determined to by Judge XXXX that the matter was too old and Closed the case. Equifax has decided since the Trade name were different that matter could not be removed. We checked with the XXXX to be told that was not true that XXXX XXXX XXXX, XXXX, and XXXX of XXXX were the same. We stated this to get a non response from Equifax.
This is not a complaint per-se. This new case is submitted merely out of our need to have this matter mediated / witnessed by a third party ; based on previous interactions with Ocwen. 

We see that the latest notification letter received, dated XXXX XXXX, 2016, attached to the current agreement for the short sale, gives 14 days from its date of drafting for homeowners to apply for the HAMP in lieu of finalizing settlement on the buyer 's purchase. We foresee being able to assume the HAMP loan in the very near future, after we are placed in the jobs we now seek, with the provision of the payments not being substantially more than what they were quoted to be in the XXXX XXXX, 2016 offer. 

Though our MD HOPE Program attorney, XXXX XXXX XXXX of XXXX, XXXX and XXXX XXXX, has been absent from work for a few days because of some pressing concerns of his own ; he is still very much in charge of our dealings. However, we are launching the request to cancel our short sale through this venue and the other corresponding method in the interest of time. He will resume administrating our affairs shortly, and again ; all correspondence from Ocwen and its associates must pass to us THROUGH XXXX XXXX. 

If we have signed something which binds us to the settlement we will call on the fact that we are still within the 14 allotted days for changing our course. The ultimate objective of this arrangement ( which is under the auspices of the HAMP / HARP program ) is to help the homeowner keep home ownership if at all possible. 

Thank you for your attention to this matter.
In XX/XX/XXXX I paid a Morgan Stanley mortgage. For some reason they did not update my CBR on time. They submitted a letter to me in XX/XX/XXXX stating they made a mistake and it was corrected. However I am applying for a mortgage and a deragatory has appeared on my CBR and XXXX XXXX is deeming it an issue.Morgan Stanley claims they are trying but the mortgage department is no longer in tact and they do not know who can update my CBR. They have acknowledged the letter and their responsibility yet the issue is not resolved.
On XX/XX/XXXX, I reported my debit card missing. After reviewing my account I discovered that there was an ATM withdrawal for {$300.00} that I did not make or authorize. I disputed the transaction, and after numerous phone calls I was told that the dispute was denied. I was not given any reason, on the phone or in writing. I disputed it again. After another 10 days and more pone calls, I was told they denied it again, because there was a charge made to XXXX, for {$3.00} onXX/XX/XXXX that was authorized. I went to my local branch and disputed the transaction again through the branch manager. I explained to her that the XXXX transaction was as follows : On XX/XX/XXXX I rented the movie, where I had to swipe my card, but not charged untilXX/XX/XXXX after the movie was returned. This is how XXXX works, so you get charged for the amount of days you have the movie. I was charged for 2 days because the movie was returned after XXXX XXXX. I forwarded the email from XXXX, stating the day the movie was rented, to the branch manager and she forwarded it to the " department ''. Again, after more phone calls, and no one ever lets me speak to the people who make these decisions, my claim was denied. I have been on the phone for hours at a time, submitted paperwork, emails, and never once does anyone ever know what is going on or do they ever let me speak to someone in the research department to try to resolve this in the proper manner. If someone from the " department '' would talk to me, maybe I can provide them with more clarity to resolve this. I can forward you the email as well, but I have no way to attach it below.
XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill
I have been making qualifying payments under PSLF since XX/XX/2013. Recently my loans were transferred from XXXX to XXXX XXXX. Currently XXXX XXXX is showing zero qualifying statements. They also show my current status as both in forbearance and 9 days delinquent. My main concern is that all past payments be counted as qualifying payments under PSLF. XXXX XXXX   said it could take up to six weeks for them to review my past payments. They should have started this process back in XX/XX/XXXX when my loans transferred.
I contacted Kohls Department Store Card in XX/XX/2018. I have asked them to provide me with specific information regarding the account in question. XXXX They have failed to provide me with the requested information, but instead provided me with a letter stating they have no record of the account in their system. They did not send me a contract between them and I showing that they in fact do own the debt and or that they do indeed have legal rights to collect on the said debt. I have contacted them and asked them to remove the erroneous information from my account, but they refuse to do so. My next step is my attornye sending them a letter stating my intent to sue.
I applied for an FHA Loan through XXXX XXXX a licensed mortgage professional in Washington state with Cobalt Mortgage. He kept on sending me emails asking me the same questions over and over again. He kept asking me if I wanted an FHA loan over and over again. Finally, after two months, he told me that he cancelled the application that I had completed without my knowledge or consent. He told me that it was the law and that he had to cancel my application. When I wrote an email and asked him which law he was referring to, he could n't tell me what law it was. I think he was just making it all up. He should not be lying to his clients. People trust him to handle the applications completed on his website. He should not be leading people to believe something when it 's not true.
The XXXX law offices of XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " Bank of America '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for Bank of America. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a Bank of America Card?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX XXXX  '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. 
Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code XXXX ).
We bought a XXXX XXXX XXXX through XXXX, using their in-house financing solution, XXXX XXXX. Somewhere down the line, a new provider, Bridgecrest, acquired our loan. 

Since then, they have been texting me about this loan, nonstop. XX/XX/XXXX was the start of the exchange. Each time, the car loan was current with a scheduled payment already in place from a verified bank account with available funds. See below for the transcript. 

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Me : I don't consent to these kinds of text messages. Our bill is already paid Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 
Me : Please stop Them : Thank you for your recent Bridgecrest payment of {$290.00}. Please visit www.bridgecrest.com for full details. For help : HELP. To opt out : STOP.

Them : Thank you for agreeing to pay {$290.00} on XX/XX/XXXX. If unable to pay, call XXXX. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your scheduled Bridgecrest payment of XXXX will be withdrawn from your bank tomorrow. To opt out : STOP. Info provided is part of a collection attempt. 
Them : Your Bridgecrest payment we discussed is due tomorrow. Call XXXX if unable to pay. To opt out : STOP. Info provided is part of a collection attempt. 

As you can see, they're sending these out without consent, which, even if given ( which, I doubt I had ), had been expressly revoked over a month ago. I am unable to resolve this issue without intervention.
On XXXX XXXX, 2016, around XXXX eastern time, a {$500.00} unauthorized withdrawal in my debit card was taken. Upon checking my balance, i called my bank & was transfer to the dispute department to file a case. After filing the report over by the phone, XXXX the dispute department, instructed me to file a police report. Filed the police report on the same day forward confirmation back to XXXX. When i ask for my money to be credited ASAP, i was transfer to different people, nobody was able to help me even though i told them that the money was for my rent, rent that is due and might be evicted if not paid within 3 days. I was told repeatedly that they ca n't do anything for me. I was really frustrated and hopeless. I was a loyal customer with this bank and they would n't do anything to help me. I feel something wrong was done to me.
This is a complaint against Citibank for their Mastercard credit card for which I am being charged excessive late and interest fees. Also on speaking and trying to resolve the issues with the company representative XXXX ( on XX/XX/XXXX at XXXX ET ) and then escalating to his manager XXXX at XXXX ET they refused to provide me with information as to whom I could file a complaint to, about my being over charged fees. XXXX ( Supervisor ) also suggested I contact the Better Business Beaureau instead of the CFPB as required by law. Specifically my payments are due every 2nd  day of the month, however due to travelling and the holidays for the month of XX/XX/XXXX ( payment due XX/XX/XXXX ) my payment was made on XX/XX/XXXX and processed / credited to my account on XX/XX/XXXX. Citicards then charged me a {$25.00} late fee as well as {$51.00} interest charge, because my payment was 1 day late. Attempts to call and have these charges removed were rejected and Citicards  refused to provide me with any information as to how to file a complaint to any regulatory agency. I have been a 15 year Citicard holder with a history of paying all my balances on time.
Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be closed.
My name is XXXX XXXX ... Loan # XXXX ... on opening my site and checking my LTV I am at 78 percent as per YOURSELVES.. and that is because I have been paying additional amounts to my principal amount ... A paragraph below you say that when I reach 78 % which will be XX/XX/XXXX my PMI will automatically drop off ... How come if I am there already. WHY then do I have to pay {$35.00} per month until XX/XX/XXXX. Then I call and leave a message and XXXX XXXX calls and left a message saying I could get it removed if I pay {$490.00} for an appraisal of my home, thats a joke. you should do the math.. I think I need to wk for you as this will cost me more money than paying {$35.00} for next 6 months ... I did n't know you were that desperate for {$210.00} ... My home was bought for {$84000.00} and I have put siding on it, done landscaping and put a Gazebo in ... so it is worth much more, but lets just leave it at your figures ... .. I do n't like to be ripped off ... ..and I am rather upset ... I pay my money on time and have done business with you more than once and recommended people to you, this is not acceptable ... Please forward this to whom ever ... XXXX XXXX.
XXXX   XX/XX/XXXX - did not authorize   XXXX   XXXX    XX/XX/XXXX - Did not authorize   XXXX   XXXX    XX/XX/XXXX - did not authorize  XXXX   XX/XX/XXXX - did not authorize   XXXX    XX/XX/XXXX  - Did not authorize   XXXX   XXXX    XX/XX/XXXX -did not authorize   XXXX   XXXX    XX/XX/XXXX  - did not authorize  XXXX   XX/XX/XXXX  - did not authorize A dealership (   XXXX   XXXX   ) pulled my credit report without my permission. I was told they were going to try to include my income on an auto loan but because I do not have license in the state of Pennsylvania I did not want to be listed on the vehicle title. they took my information and pulled my credit report anyway. And they refused to have them, deleted. Did not return my phone calls.
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I also am aware of the glitch with   XXXX   in the  XXXX  of  XXXX  and early  XXXX  in which inquiries were deleted and then when they realized the glitch they re-added them to the reports. But without informing me within 5 days of adding them back. This is a violation of my rights as well. So if I was affected by that as well I would like it to be resolved as well.
The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   XXXX    XXXX
An unauthorized debit was made on my debit card. In another state. Same day debit was made by me in my home state. Looking at the timeline it 's obvious I could not have made the purchase. I requested a new card and disputed the claim. The bank has denied and will be redebiting my bank account.