WillisBack/dataset-financial-user-claim huggingface dataset:
Please be advised that I see no other recourse but to file a complaint against XXXX XXXX XXXX XXXX XXXX. This creditor is famous for using a process called re-aging of debt. The card posted was first issued in XXXX. I was late with payments at least three times between the card inception and the beginning date on credit reporting on all three credit bureaus, which is XXXX XXXX. This debt can no longer be collected within legal guidelines for the state of New York. The account was late for a first time over seven years ago, and therefore the seven-year timeline has passed. Out of the XXXX credit bureaus posted in this complaint, XXXX states a XXXX XXXX deletion of the account, Trans Union states an XXXX XXXX deletion date and XXXX states a XXXX XXXX deletion date. In essence, XXXX XXXX Bank XXXX XXXX purposely cut off two years of my payment history to extend the timeline of maintaining the account on all credit bureaus. This practice of re-aging of credit trade lines has been approached by the Federal Trade Commission as an abusive collection practice, and also a violation of my rights under the Fair Credit Reporting Act and The Fair Debt Collection Practices Act. I demand a full accounting of this account to be reviewed by the Consumer Financial Protection Bureau, showing all payment history, when all payments were posted to the account on credit, and the credit reporting history since the card approval in XXXX. I am well within my right on such a request. XXXX XXXX XXXX XXXX XXXX has no other recourse but to remove this account from all credit bureaus immediately and permanently.
I was never mailed a letter notification to the following XXXX XXXX collection bill of {$9100.00}. Debt is NOT mine, my VA insurance should have covered my medical expenses.
XX/XX/2016, I Unsubscribed from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. Since then, Diversified Consultants has contacted me several times during which I explained that I had already unsubscribed prior to the last billing statement ; and the XXXX XXXX Representative told me I DID NOT OWE anything further when I returned their modem in XXXX XXXX, Texas. Since then, Diversified has attempted to call me many other times while USING XXXX XXXX as their phone ID. I 've spoken to at least 4 of their calls ; and have since blocked their calls ; but they continue to harass me. The number last used is ... XXXX.
This is a dis pute regarding a removal of a 30 day late reporting on our credit bureaus due to ROUNDPOINT MORTGAGE system failure to withdraw fund from our account and Failure to notify us as borrower in due time to take action. In response to our inquiries, Roundpoint was n't able to provide any factual information to disprove our case but rather incorrect facts about the course of action taken. We have all phone records, email confirmation etc to prove that Roundpoint was inaccurate in their assessment of denying our request to remove the 30 day mortgage late from our credit bureaus. Attached is a series of event and correspondence with Roundpoint. More detailed information can be provided upon request.
I tried to find someone to take over my apartment. First time he tried to contact him using his friend. She said he wanted to hear detail about my place. So I emailed to him to explain. Then, he told me he was XXXX XXXX, so he can not see in person. He wanted to see pictures. So I sent him. Then he said he liked it he wanted to reserve my place. He sent a check and he wanted me to know full address, full name and number. Then I got his check. He told me he sent much more money than rent fee. So he wanted me to get rest of money using XXXX so I sent him the money. Then he took the money I sent and stop the check he sent to me. So I contacted the department to get the help. They said he already took the money, so there isnt anything they can help me with this problem
*****NEW EVIDENCE FROM XXXX XXXX CEO XXXX XXXX ... .. HE WAS THE ORIGINAL MORTGAGE BROKER ... HE CONFIRMED HE SUBMITTED PROPER ESCROW AMOUNTS TO XXXX XXXX ... AND XXXX XXXX COMITTED LOAN ORIGINATION FRAUD IN DIRECT VIOLATION OF THE TRUTH IN LENDING ACT BY CHANGING THE AMOUNTS THEY MADE THE PAYMENT APPEAR LOWER TO THE BORROWER ... AND THEY DECIEVED THE ELDERLY XXXX YEAR OLD VICTIMS**** ***XXXX XXXX AND NATIONSTAR ( WHO XXXX XXXX SOLD THIS LOAN TO ) HAVE BEEN ACTIVELY CONSPIRING TO DEFRAUD THE U.S. GOV ... MORTGAGE INSURANCE ... AND CONSUMERS IN DIRECT VIOLATION OF COUNTLESS LAWS*** NATIONSTAR IS FULLY AWARE OF THIS LOAN ORIGINATION FRAUD AND THE LATER ESCROW FRAUD AND HAS BEEN FOR SEVERAL YEARS AS WE SOUGHT CIVIL RESOLUTION WITH A BASIC REQUEST TO HONOR OUR RIGHTS*** XXXX XXXX COACHED XXXX XXXX TO CONSPIRE AND ENABLE THIS FRAUD WHILE HE WAS EMPLOYED AT NATIONSTAR ( XXXX XXXX   NOW WORKS FOR XXXX  AS A VICE PRESIDENT ... ALSO FOR A COMPANY CALLED XXXX XXXX ACCORDING TO HIS VOICEMAIL ) ***WE ARE MOVING FORWARD IN A COURT OF LAW ON THE CIVIL SIDE BUT I ALSO WANT TO SEE CRIMINAL PROSECUTION AND FINES FOR A CORPORATE CULTURE THAT FEELS IT IS ABOVE THE LAW***YOU HAVE LOAN FRAUD, ESCROW FRAUD, WIRE FRAUD, THEFT OF PRINCIPAL WITHOUT PROPER CREDIT, MAIL FRAUD, CONSPIRACY TO DEFRAUD U.S. GOVERNMENT ( BY STEALING HOMES AND LLEGALLY COLLECTING FEDERALLY BACKED INSURANCE PAYMENTS ) ALL PROVEN AND I HAVE THE EVIDENCE TO SUPPORT IT IN ANY COURTROOM*** I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
I submitted previous complaints to CFPB outlining the unethical behavior of GM Financial in handling my termination of car lease. GM Financial has not addressed any of the core issues associated with my complaint. CFPB terminated both complaints for some unknown reason. Request resolution of my complaint. Most recent correspondence to GM Financial is attached for your reference. Thanks for your assistance. XXXX
I have been having problems paying on time due to going thru a divorce.  XXXX  has been incredibly rude and saying it 's not her problem. Threatening to repo when it is 3 days late. Calling my work repeatedly. Today she has said she will be coming up to my job. I view this as harassment.
XXXX XXXX company is reporting information on my credit report that is not my account this information is not true by law they cant do it
I disputed an error on my credit report in XX/XX/2017. I have no heard or received an update from trans union. Each time I follow up Im told they are still investigating the matter.
My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa
I have had a credit card with Capital One since 2001.
Payments have always been made on time and in full for past 16 years. 
Applied for another credit card on line to take advantage of a promotional offer. 
Application was denied even though my credit score is in the high XXXX 's. 
Also credit rating is XXXX. 
Ask bank for re-evaluate application about three weeks ago. 
Have not received a response regarding re-application. 
Called bank, refused to account for their denial.
Bank of America has started charging our account Overdraft fees on small, one-time debit card transactions just this year, without our opting in. We have had the account since   XX/XX/XXXX , did not  opt-in for overdraft protection, and became alarmed when we were getting hit with stacked, cascading Overdraft charges since the begi nning of  XX/XX/XXXX .      Upon looking into this, we found that this is an illegal practice since   XX/XX/XXXX  - the b ank CAN NOT extend overdraft charges on debit or ATM withdrawals if they did not provide explicit, written explanation of their overdraft program, allow the customer to affirmatively consent to the program, agree to the fees, and then provide documentation of the customers written consent.     We called BOA and requested copies to show any evidence that we opted in, which they were unable to supply. The only documents we were given were a basic account opening document with not even a mention of any Overdraft protection program, let alone the legally required, separate notice outlining the program.     We called again, and were told they could not reverse our charges without our lodging a complaint.     This is very likely happening to many customers, and needs to stop, and all illegally obtained charges need to be reversed.     htt ps : //www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-13.html
I filed a complaint that coinbase responded to but they brought up a completely different transaction than the one i was talking about. On XX/XX/XXXX i purchased bitcoin instead of coinbase crediting my acount with XXXX ... .... they deducted it and i was charged on my credit card XXXX dollars. Coinbase eventually took responsibility for their mistake after days of trying to speak to someone. they credited me back a XXXX ... XXXX when i should have been credited back XXXX ... ... ...
I have been with XXXX for 14 years. Years back I fell into hardship and had some late payments back then, but I caught up and have been very current and on time for quite a few yrs now to the end. I believe it was in XX/XX/XXXX I had decided to go with another carrier who could give me the exact service XXXX was but instead of charging me {$270.00} a month it would only cost me {$80.00}. I am XXXX and can I can not afford their ridiculous charges anymore. As of that date my account was current with XXXX. I had tried to sign on to my account as Im at the store dropping XXXX n getting a different phone service. The woman had told me that I needed my XXXX account number. So I try to sign on to my account was unsuccessful so I had called them answered all the security questions so the gentleman on the phone helping me said hold on a second it's pulling right up and he must have heard me speaking to the other phone lady that I was standing there with, and then he says why do you want this? It's said because it's my account number and I want it. So I got bounced around to several people I was on the phone literally for 2 hours the woman in the store even tried calling them to get the number they kept giving me wrong numbers hanging up on me. After the phone store that I was in had closed and I'm still there. she stayed at the store for me although she had it all locked up and was nice enough to wait till I ran home to get my XXXX account number period after being on the phone being tossed around for 2 hours with XXXX. So as I'm heading to my house someone from XXXX calls me and tells me he's going to save me {$70.00} if I stay with. I never mentioned I was leaving them for one so that was me indication that they did hear me speaking to another phone person and two I had asked the gentleman why can't you save me {$70.00} when I was your loyal customer? No answer and he precedes to finally give me my account number. I went back to the phone store got my new device and account with a different carrier and I cancelled XXXX. 
At the end of that month I received a bill from XXXX for I believe it was on or around {$270.00}. I don't remember getting any bills from XXXX in between that bill and the last one I received dated XX/XX/2018 for the amount of {$1200.00}. I very well may have but I was in the middle of moving and had my dog put down and just a lot of stress and upsetment in my life, they were the last thing on my mind. Then I received another bill for from their collection. I think it's unfair I think they bully people in overcharge and this bill is outrageous. The woman at the store said that several people have been having problems with XXXX because everybody 's leaving them because of their high prices and they're doing everything even if it's refusing to give you your own information to get people to stay with their company. I feel like this company is Relentless and they'll just keep firing out their bills and turning people into collections and in hopes people pay their that much further ahead it's highway robbery. And I don't have 12 - {$1300.00} in order for XXXX to rob me more for services I did not even use. 
Thank you
This debt was originated in XXXX 2007. No payment was made on this account or towards this debt. The statute of limitations to report this debt to the credit bureaus has passed. A debt buyer purchased this debt and despite my requests for proof of last payment, and my disputes directly to the XXXX major credit reporting agencies, it still is being reported. The debtor buyer is LVNV Funding, LLC.
I have a Satisfaction Of Mortgage that Dates back to XXXX XX/XX/XXXX recorded with Register of Deeds here in XXXX Wi. Chase our Current Lender states not Chase Loan. I found that was a XXXX  XXXX XXXX Loan.I also found out that I have a S.O.M, with Chase Which is recorded with our Register of Deeds Here in XXXX Wi. 
on XXXX is fully paid and Satisfied, also certified by Register of Deeds here in XXXX Wi. Letter from office of Comptroller XXXX. S.O.M. 
loan started in XXXX, was paid off XXXX.Letter from XXXX XXXX XX/XX/XXXX XXXX XXXX Loan Holder , XXXX XX/XX/XXXX XXXX Balance . 
Note XXXX XXXX XXXX XX/XX/XXXX Wi. Statute XXXX { XXXX } XXXX { 10 } { A } Letter to Director of Civil Operations XX/XX/XXXX. Comments on XXXX? 
XXXX XX/XX/XXXX Mortgage Settlement Nothing from Them.. Wi. Law.. 
Housing Market Crash of XX/XX/XXXX. This is were our mess started.S.O.M. 
From XXXX XXXXXXXX XXXX on XX/XX/XXXX XXXX back to XX/XX/XXXX. 
A E-Mail from a Mortgage Analyst XXXX XXXX. That the Mortgage is Satisfied From Chase. This has been going on for Years.. I have paid Chase over {$60000.00} since XXXX. Refund? Or Just Close our Current Account paid in Full. XXXX Years Old, lost my Wife this past XX/XX/XXXX. 
XXXX years old.Lets Doe Something.??
I have  Parent PLUS loans  that my own servicer is handling just fine. However, I keep getting calls from a company called  Student Loan Help Center ( p hone number  XXXX  ) saying that this is my last chance to get into income based repayment, that the Obamacare loan program is being revoked at the end of the month, and that at that time the Department of Education will require full payment of my outstanding balance. I know that all of this is not true as I am a higher education policy analyst well versed on the student loan and student loan repayment programs. However, what concerns me is that even my own sons would likely not understand this to be a scam unless they asked me.     I am very worried that other borrowers could be defrauded by this company. I 've spoken to a  manager ther e to express my concern that they are giving our fraudulent information, and to give them accurate information about the loan programs, but they hang up on me twice. So this is n't a case of a single call center employee who is not delivering the message correctly. They need to be stopped before borrowers are defrauded. Thanks!
XXXX/XXXX/15 here is a copy of the letter I sent to the company : Wells Fargo Home LoansDear sirs, I received a call today that was very disturbing. I want to express my concern that your collections department is out of control and using bully tactics, high pressure tactics to compel a payment when it is not necessary is poor customer service. 
I have never had a call from collections before the grace period is expired in the 14 years I have had my loan with Wells Fargo or the companies it purchased loan paper from. I was answering a " no caller ID '' phone call when I was assaulted by your collections representative and I hung up the phone when he was rude to me after I got him to admit that I was within the grace period for payment. These abusive debt collection activities are not welcome. Whenever I am asked, I say no to the question of being set up on an auto dialer. This is in keeping with the Fair Debt Collection guideline : under the heading 806. Harassment or Abuse ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
I want to strongly suggest that he is the kind of collections rep that will give you a bad name. He was disrespectful in his tone and very cold. 
I conjecture that you are training people with this style of collection methods or the department has too many employees so they are making unnecessary calls to practice on people like myself. The only other reason would be that the company is in trouble financially so they are resorting to collecting from those who use the grace period to make sure all bills are taken care of.
I cancelled XXXX XX/XX/XXXX. My final bill ( account number XXXX statement date XX/XX/XXXX ) showed I had an overpayment of {$30.00}. I returned the equipment in the box that they sent me using the US Postal Service in XX/XX/XXXX. I am now receiving collection action from ICSystem in the amount of {$280.00}. They told me this amount is partially for equipment and part unpaid bill. I know I don't owe any bill because I have the last statement showing that they owe me. I sent back all the equipment. I can not find the receipt from the post office. They told me all I can do is go online and tell them I want to dispute it so they can research it but the online forms makes me put in a date and tracking number and they know I don't have either and there is nowhere for me to show them that they say its for an unpaid bill but they owe me. I think they are taking advantage of me because I am a senior. Please help me. I do not owe them money, they owe me money. I attached my last bill and the collection bill. Thank you.
I have logged previous complaints, reference # XXXX and XXXX. I signed my mortgage note in XX/XX/XXXX with XXXX, OCWEN purchased it in XXXX XXXX. In the note that I signed, there was no escrow, I was responsible for my property taxes and homeowner insurance. I have complied with the terms of my note to date. I pay my mortgage every month, I have paid property taxes and insurance. OCWEN has added charges and fees to my account that have nothing to do with my mortgage payment. In XX/XX/XXXX OCWEN stopped accepting my mortgage payments, every month I sent in what they returned plus the current month. After XXXX months, they accepted my payment in the amount of {$6900.00}. I requested a loan modification. The terms of the modification were XXXX % apr, account by law must be escrowed and at the end of the XXXX ( XXXX ) years a balloon payment of over {$38000.00} was due. When I stated that I would not accept those terms, OCWEN started returning my payments. The principal balance due on this loan is {$93000.00}. OCWEN states that pay off amount is {$100000.00}, the difference being {$10000.00}. Including XX/XX/XXXX 's mortgage payment, {$5400.00} is due leaving a balance of {$5000.00} which are charges and fees that have nothing to do with mortgage payments, OCWEN has initiated foreclosure proceedings. How is it that OCWEN can report to the credit bureau that my mortgage payments are behind when every month that I send in my payment, they return it unsubstantiated. My last payment of {$4600.00} for the months XX/XX/XXXX through XX/XX/XXXX was returned. In addition to returning mortgage payments, there are XXXX years of duplicate taxes with the county, the last installment for XX/XX/XXXX, OCWEN paid twice. I am requesting that the situation be investigated. I have adhered to the contractual commitment that I signed. I have paid my mortgage, property taxes and insurance as required. How is it that OCWEN can report negatively to the credit bureau and initiate foreclosure proceedings.
On XX/XX/XXXX, my husband withdrew our entire balance of {$350.00} in person at the XXXX, Ma. Bank of America and instructed the teller to close the account. The following month we noticed a {$5.00} service fee and contacted Bank of America via chat online. The person said they would close the account and reverse the fee. The following day it appears they reinstated another fee followed by XXXX in XX/XX/XXXX and XX/XX/XXXX. My conversation this evening with a Bank of America rep over the phone left me with no results to close this account and stop the fees. At that point I did inform them that I was filing this report and intent to visit the branch and have no intention of paying fees on a XXXX balance account that they were instructed in person at the time of withdrawal to close.
On XXXX/XXXX/16 Someone deposited a check in the amount of {$1900.00}. On XXXX/XXXX/16 deposited a check in the amount of {$1500.00} in my checking account and then tried to take the money out on XXXX/XXXX/16 and XXXX/XXXX/16. I was not aware of this until I tried to log into my Chase account to pay some bills and I got a message to call JPMorgan Security. That 's when I was told what had occurred.
From XX/XX/XXXX through the beginning of XXXX, Wells Fargo charged over {$2000.00} in overdraft fees on an account that they eventually closed for " insufficient funds. '' My thought process is if they hadn't charged over {$2000.00} in overdraft fees, the account would not have needed to be closed for " insufficient funds. '' In fact, some of the {$35.00} charges were for amounts less than {$35.00}, which means that if overdraft charges had not been charged so needlessly and frequently, the account could have been in good standing from XXXX or XXXX onward.
I was shocked when I reviewed my credit report and found late payment on the dates below : I recently started the relationship with you guys and kept a stellar payment and I ' shocked that you guys marked it late. 

XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
ii just saw that someone tryed to open a card with XXXX XXXX XXXX card that wasnt me for sure, I already have a XXXX XXXX platimum please remove this hard inquiry
I received a letter from Synchrony Bank stating they completed a review on my Belks Card acct. and a decision was made to close my account. This is the same bank I wrote a letter to close my Visa acct and responded that they will leave my acct open and lower my credit limit to {$520.00} after I wanted my acct closed. Now with the additional charges of late fees I received another statement with above credit limit additional fees. I thought I had closed this acct awhile ago. I do remember when I used my card years ago, I always paid the balance in full. they 're lowering my credit score. I am now on XXXX with little money.
This is my third time reporting this company who has yet to reveal any information to me as to the detailed itemized charges. according to the fair credit reporting act this information must be disclosed to me prior to any reporting agency. I never recived any thing from this company. The federal law states that I must have been provided a detailed statement of the charges before reports are made in regards to my character. ( FCRA 606 ) I have spoke with experian in this regard. there claim was that the debt was verified. however the agency must procure procedures to assure accuracy of the information ( FCRA 607 b ). experian has failed to do this and refused to let me dispute the item saying i didnt have any new info.