WillisBack/dataset-financial-user-claim huggingface dataset:
My wife and I filed initially a Chapter XXXX bankruptcy on XXXX, XXXX XXXX. XXXX, XXXX XXXX of Florida. We then converted to a Chapter XXXX. Discharged was received on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the case was closed by the Court. At the time we filed we held a first mortgage on our Florida homestead with Wells Fargo Home Mortgage. We were current before we filed, on the day we filed, during the pendency of the bankruptcy and today, over 7 years later from when we filed. On XXXX XXXX, XXXX, Wells Fargo hired Florida XXXX to file a claim in bankruptcy court, see attached Exhibit A. The same law firm that was discredited for robo signing, mortgage fraud and so on. Then on XXXX XXXX, XXXX, Florida XXXX XXXX XXXX, XXXX files an amended claim to include arrearage of {$700.00}, not for the mortgage but for their attorneys fees, see attached Exhibit B and justified by their Objection to Confirmation, see attached Exhbit C. Again we have been current and continued to pay them during the pendency of our bankruptcy. This is a complete JUNK FEE. Without advance notice or explanation, Wells Fargo on our XXXX/XXXX/XXXX statement included an unpaid advance balance totaling {$690.00}, see attached Exhibit D. For almost 5 years this fee remained on our account, unpaid until suddenly on our XXXX/XXXX/XXXX statement it showed that {$360.00} was paid, see attached Exhibit E. Apparently what triggered the payment was that we requested to increase our mortgage payments giving Wells Fargo the opportunity to steal our money. On XXXX/XXXX/XXXX, I sent an email for clarification of this payment, see attached Exhbit F. Wells Fargo emailed acknowledgement of having received the email in numerous emails and a letter from a XXXX XXXX, Senior Vice President of Wells Fargo Home Lending. In the letter she writes, " We expect to complete our research and provide you with the results on or before XXXX/XXXX/XXXX. '' See attached compososite Exhbit G. It is now XXXX/XXXX/XXXX and we are being ignored. Apparently the letter signed by XXXX XXXX is what most Wells Fargo customers receive but no research or inquiry is ever started or completed. It is a ruse to quiet their customers according to the thousands of complaints I read online. 
We would appreciate your help in getting our money back and/or reversing the unpaid advance balance.
I recently took out a HELOC on my house and used part of the loan to payoff my installment loan with Prosper. The payoff was overpaid by {$110.00} to Prosper.com, so I asked Prosper for a refund. Prosper says I still owe them {$130.00} and will not close my account and is continuing to charge me interest. I 'm afraid Prosper is going to charge me late fees and ruin my credit because they wo n't honor the payoff statement they sent me. 

I almost lost my rate lock because Prosper would n't provide a payoff statement to the new lender. I had to call repeatedly over a few weeks, and was always promised a statement would follow in 2-3 days from their finance department. It was n't until I filed a complaint with the BBB that I finally received my payoff statement. 

Now that I am having issues again with their customer service it has fallen back into the same cycle of them saying they need to send the issue to their finance department and will be in touch in 2-3 days. I filed another complaint with the BBB, but no response this time. 

They are ignoring my issue and trying to bully me into submission by holding my money and credit hostage! It is n't right! I 'm on hold for hours with their customer service and having to dig for viable remedies to get them to act.
GS Holdings in NY called me last week and demanded I pay a debt and threatened that papers were filed to sue me. I gave them my debit card after they told me they would send verification that I paid and the debt was cancelled as soon as my card went through. They immediately took {$1000.00} out of my account..I never received any verification letter ( they were supposed to email it ) .I waited 5 days and no letter so I contacted my bank and they reported it as fraud. I realized I was scammed. One week later a man named XXXX XXXX the director of operations so he said, called and started threatening me because I cancelled the payment and reported it. He started screaming at me and threatening me. I told him to stop yelling at me that he was not my father and he is unprofessional. He screamed " You sound like my wife '' ... .I told him I talked to my lawyer and my lawyer said to have GS holdings call him call him. The man started screamed at me again and then hung up. I tried to call the number back and it said the number was unavailable. That is definitely fishy, why would a legitimate company not have telephone that worked? And they called off different numbers but all from XXXX XXXX My lawyer said debt collectors can not call you and they can not yell at you or threaten you. He told me to absolutely not pay it, he thought it was a scam!! They should be shut down!!!
I attempted to close a XXXX account in mid XXXX XXXX. XXXX claims that I should pay an early cancellation penalty because, they say, I signed a 2 year contract that had not expired. 

On multiple occasions, I have asked them to produce a copy of this signed contract and they, to date, XXXX months later, have been unable to provide me with any proof. 

They do say, however, that I should trust them and that there is in fact a contract. 

They also claim that they have sent letters and/or emails offering proof of the validity of the debt ( I assume a signed contract, but they have been unable to tell me what is in the letter ), but I have received nothing from them. 

On XXXX XXXX, XXXX, I received a collection letter from XXXX, a collection agency acting on behalf of XXXX, requesting payment. I informed them that the debt was disputed and, in compliance with the XXXX XXXX, they sent a letter acknowledging the dispute and have ceased collection activities. 

I spoke with XXXX again today trying to obtain proof of the validity of the debt and they told me that there was no one to talk to about this and just wait for some letter to show up that will offer some undefined form of proof. 

This is consuming my time trying to deal with this and causing me some distress. 

It seems like if a company says that I owe them money, they should be able to provide some proof of that, but, when it comes to XXXX, that apparently is not the case. 

In the mean time, they are negatively impacting my credit. 

I would appreciate your assistance in resolving this issue quickly.
The company is Bank of America. I had online overseas fraud. A company got ahold of my username and password. And they tried to deposit and cash a check in my account. It was on XXXX XXXX. For about XXXX. Bank of America saw it was fraud but shut my account down and told me I could no longer bank with them.
This complaint is against The Bureau Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I have attempted twice sending out dispute letters via certified mail to the bureaus inc on XXXX XXXX and XX/XX/2018 to get verification of a contract with my signature saying I owe them money from a collection debt of {$690.00} account # XXXX. At this time The Bureaus Inc. has been reporting a negative collection account on my credit report to all of the 3 major credit bureaus XXXX, XXXX and XXXX.
I have correct information regarding student loans onnmy accounts. However i have incorrect information showing accounts : XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, it shows credit cards that arent mine as well with negative balances, it shows diferent creditors for years and has affected my credit score when the only thing i had done was student loans. They refuse to eliminate my incorrect negative accounts all 3 credit bureaus for last 10 years. I wish i would had known about this website. XXXX bless
I have an old medical bill for {$680.00} and I contacted the collection agency and offered {$200.00} for a settlement. XXXX stated that the client will not that. She asked can I do 50 % which is {$340.00}. I told her I can not do that what about {$250.00} she said she will submit that and get back to me. XXXX called me back on XX/XX/XXXX, and told me the client will not accept anything less than {$400.00}. I advised that is not acceptable this is 7 years old as of XX/XX/XXXX I can just wait till it fall off.
On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks!
On XXXX XXXX, 2015, I made a purchase on EBay. I was transferred to the PayPal website to make the payment. It was my intention to register my new XXXX with PayPal and make the payment using this XXXX. I went through what I thought were the steps to register the card and was then transferred back to EBay. 
Shortly thereafter I received XXXX emails from PayPal Credit : " Welcome to PayPal Credit '' and " Important information about your recent PayPal Credit purchase ''. The second email contained the statement " If you do not want this offer, please contact us at XXXX Monday-Friday, XXXX to XXXX Eastern and Saturday-Sunday, XXXX to XXXX Eastern. " On XXXX XXXX, 2015, I logged into my PayPal account and saw that my new XXXX ( XXXX ) was listed as an accepted form of payment. I then called the XXXX number and spoke to a representative. I requested to have the PayPal Credit account cancelled and to have the original transaction charged to the XXXX. She told me that PayPal Credit ( PPC ) did not accept credit cards and that I would have to provide a bank account for payment. I told her that I had been deceptively signed up for the PPC account and insisted on making the payment with the MC. She continued to insist on the bank account transfer. I asked to speak to her supervisor and was transferred to " XXXX, in Arizona ''. He also refused to take payment from the XXXX and insisted on using a cash account to settle the transaction. I told him that I would be filing a complaint with their Federal regulator prior to making any payment decision but he did not change his position. I asked for his supervisor 's name, " XXXX XXXX '' and an address to complain to PPC, " XXXX XXXX XXXX, XXXX, MD XXXX ''. I then ended the call. 
A quick internet search showed me that PPC had already paid a XXXX fine to the CFPB for similar practices in Civil Action No. XXXX. I then decided to file a complaint immediately with CFPB.
I have a American Express-XXXX credit card and I was promised 1 % plus rebate rewards on all my purchases on that card. The rebates for the year 2014 totaled {$660.00}. However, American Express never mailed me the rebate check and when i called them today they said they can only issue me a rebate of 50 % of that amount. The balance have been " forfeited ''. I am shocked. I spoke with several of their representatives including their supervisor - XXXX - ( id # XXXX ). To me, it appears to be a massive scheme to defraud consumers where people like me are applying for cards based on the promise of 1 % refund. These refund checks are never mailed and then these credit card companies tell you that the money has been forfeited!!! 
Pls intervene to investigate and stop this fraud from being perpetrated. 
Thank you.
Hello, I submitted a refinancing application to Quicken Loans for XXXX of our XXXX homes in order to pay down some unexpected debts. My loan application was approved pending an appraisal of the property. After sending all the documentations to Quicken Loans. I was asked to provide many years of tax information going back to XXXX and I did that. Finally, they came back saying that they ca n't move forward, because appraiser could n't find a comp for the property ; which seems odd, because there are several rented properties in XXXX mils radius of our home. I asked for a copy of the appraiser 's report and they indicated that there was no appraisal and therefore I asked for a refund of my {$500.00} appraisal fee back and an explanation of the process. I have not received neither as of this morning. All they have said is that the appraiser could n't find a Comp. Our rental agent has several properties that he is managing in that area. I understand the separation of broker and appraiser as a result of changed policies after the crash of XXXX ; however, there is clearly a problem with this process because there are available Comps for our property. It seems to me the Quicken Loans did n't want to move forward with this loan and I can accept that. It 's the reason that they are providing that is troubling for me. I have shared this reasoning with several realtors and none of them have heard this reasoning before.
My client have tried several times to get a loan modification with CitiMortgage for over two years now. My office has complied with their requests for documentation and information, only to be told that the file had " expired '' or some other non-acceptable answer. We had complained about this this sad state of affairs with the XXXX office without any real results.
I filed for bankruptcy protection in Maine as a temporary method of protecting my financial commitments while waiting for a consumer complaint case to be mediated-I did n't want my vehicle repossessed before the manufacturer was held accountable under the Lemon Law and replacing it or refunding my money. In order for the bankruptcy to be valid and proceed, I would have had to pay the required fee ( which I did not ) as well as providing the complete application paperwork & forms ( I also did not do that, as this was simply a strategy to delay repossession for a few days. Since I did not submit the complete package and fees, the case was dismissed almost immediately, but Experian has maintained that this was a valid bankruptcy and has listed it as such in my credit report since XXXX. 

This has caused me great harm in that I have been repeatedly turned down for consumer credit despite my record being pretty much spotless with no debt. I first submitted appeal # XXXX on XXXX/XXXX/XXXX that included a statement from XXXX Maine that the case was dismissed, but Experian refused to acknowledge the dismissal, saying that the bankruptcy was valid. 

A year later on XXXX/XXXX/XXXX I checked my credit report and found that Experian still burdens me with this invalid bankruptcy, so I filed another appeal ( # XXXX ) and Experian still maintains their unreasonable position. 

I believe that if a bankruptcy was dismissed/never happened that I should not suffer the same consequences as though I had proceeded through the entire bankruptcy process and since I did not benefit from the bankruptcy other than to gain a few more days so that the mediation could be completed, then I should not have to suffer the same consequences as if I had. 

To consider otherwise would unreasonably burden consumers with the punishing effects of " credit terrorism '' without being justified by actual events. In what world does " dismissed '' really mean I have to suffer this harm anyway? If valid, then it would take away any incentive for consumers to avoid bankruptcy - was that the intent of the government - to ceaselessly punish consumers when they try to do the right thing and honor their commitments? That would be counterintuitive at best and easily seen as a grossly negligent policy if true. 

Please review the attached materials and tell Experian that they are causing more harm than good. In fact, I ca n't think of one positive aspect of their business model that benefits our society whatsoever.
XXXX XXXX XXXX has been calling me nonstop, at least 3 times, EVERY SINGLE DAY!!! Whenever I answer the phone, they told me that they will garnish my wages, that they will take my tax income check, that they will report me to my county law enforcement, that they will take me to court and sue me for triple what I allegedly owe. I've told them to stop calling me. They won't listen.
Portfolio Recovery Opened XX/XX/XXXX {$400.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX {$1500.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 

XXXX XXXX XXXX Opened : XX/XX/XXXX Closed : XX/XX/XXXX {$570.00} I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT. 


XXXX XXXX XXXX {$450.00} Opened : XX/XX/XXXX Closed : XX/XX/XXXX I disputed this collection and I never received a response. 

THIS ACCOUNT WAS OPENED FRAUDULENTLY AND IT IS NOT MY ACCOUNT.
XXXX   XXXX   XXXX   XXXX  continues to report inaccurate information on my credit report. I faxed them the information several times to have items corrected and have done nothing. I currently have  XXXX  accounts reporting without an account number.
First, when my mortgage was first transferred to XXXX from another company it they cashed the first check but did not credit it to my account because I had originally paid the first mortgage company. This is my legal right to pay the old company within a certain number of days of the transfer of service. Second, when my mortgage was transferred to a new company XXXX Loancare stopped my automatic payment prior to notification. Also, they stopped it well before the allowable limit of how long I can still legally pay XXXX Loancare. When I finally found out, I was over a month behind on my payment with the new mortgage company. Luckily they did not charge a late fee. Also they conveniently backdated the letter that they sent me. Lastly, I have not received my tax statement for XXXX. This is normally not a big deal since I could typically go online and check the statement but they have disbanded my online account for some odd reason. Now they wo n't reply to my emails. The tax statement should have been provided to me prior to XXXX/XXXX/XXXX.
I 've already emailed Conns 's about not contacting via my cellphone any longer. They will cal repeatedly while I am working and during other personal times. I asked them already to stop contacting via my cellphone but just today they have contacted me 3 times about making a payment that 's only a couple of days past due. I 've tried blocking their numbers but they continue to change their auto dial numbers to get through this.
I was looking at XXXX XXXX and I noticed this on my credit report but I did not know the creditor.
My name is XXXX XXXX XXXX, I've became aware of the following addresses being on my credit report. The addresses listed are inaccurate and I would like for them to be removed : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I'm also requesting for the following phone numbers to be removed : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
This debt was for services that we 're not provided, services promised by XXXX XXXX XXXX, bill has transferred from collector to collector to collector because XXXX XXXX XXXX promised a service & a rate, then I was told by Customer Service " the internet service they offfered could not be supplied at the promotional rate that I was promised ''. This amounts to XXXX.
I have been locked out of my Coinbase.com account since XX/XX/XXXX. I sent a message to Coinbase.com, via there online support/email system, asking : '' How do i get my account enabled ''. I have a considerable amount of funds in this account and have n't heard from them since XXXX XXXX XXXX This is the last message that I received from them : " Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Please let me know if the matter develops further as we investigate. ''
UNKNOWN InquirieS XXXX/XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XX/XX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX Do you see errors in your report? SEE OUR DISPUTE GUIDE XXXX/XXXX Date Filed XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance other than personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX OF NEW Date Filed XX/XX/XXXX Type Automotive Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and S & Ls Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX/XXXX Date Filed XXXX/XXXX/XXXX Type Credit card and travel / entertainment companies Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Finance, personal Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX Date Filed XX/XX/XXXX Type Miscellaneous and public record Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX
On average I have called them 4 times a month because XXXX constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
I was caught in a loan modification scam and fell behind on mortgage. I paid every penny back to ocwen loan to become current on my mortgage over a year ago. They report that I am in default and still owe them XXXX. That is not true and have been current with mortgage for over a year. Now I ca n't refi because that is on my report
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012 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.