WillisBack/dataset-financial-user-claim huggingface dataset:
I received a call from citi stating that i had opened a credit card with them and I told them I had not so on XXXX XXXX, 2016 I sent them a letter requesting that they provide me with validation persuant to FDCPA meaning competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation with them and they did not provide this information. I also explained to them that any negative mark placed on my credit report for a debt that I did not owe was a violation of the FDCPA sec 807 { 15 USC 1962e } : and I gave them 30 days to validate or delete this account and they did not nor did they mark it as disputed as required by the FCRA. I then sent them a second request on XXXX XXXX, 2016 to validate and provide proof of this account and to this day they have not done such they sold this account to a collection company called XXXX XXXX and I sent them a cease and desist letter because I do not have a financial obligation with them and they can not provide me with a signed contract stating that i owe this debt. I am requesting that CITI remove this account immediately from all XXXX credit bureaus ( XXXX, XXXX and XXXX ) as i have requested validation of this account and they are both unable to and unwilling to provide me with the proof that I am requesting, I am keeping records of my transactions with them and am willing to take them to court and file a defamation and a reporting of inaccurate information case in both federal and state court.
Hello, I sent our Mortage Loan holder the following email. I do not understand why they can not waive the late fees. the fees are accumulating on our account and we can not do anything about it. i pay my mortgage every month but after the XX/XX/XXXX is there any other recourse i can take?? also, there was one month when i was out of work and i did not have the entire XXXX, so we sent in the principle only thinking they would credit our account. But instead they held the payment and put us in default and we were charged late fees, it took me months to finally pay the bal to get out of default. I am not sure that was even legal to do. 



Dear Selene, I am sending you this email regarding my mortgage loan and late fees. I have appealed to you before regarding the late fees you continue to charge my account. I had explained to you before, that we can not pay by theXX/XX/XXXX of the month because my husband is retired and his money comes at the end of the month. we do not have an addtional XXXX to send to you before the XX/XX/XXXX Before our mortage was acquired by you, we had XXXX XXXX XXXX, and they worked with us to waive the late fees. I pleaded to you to do the same. You pride yourself in helping your customers but i find this is not true. now the late fees are adding up and it is horrible. once again I ask that the late fees be terminated. we do pay each month but the end of the month. Or if you can give us one month reprieve, so that we can pay by the XX/XX/XXXX that will work also. Please advise XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXXXXXXXXXX XXXX # XXXX
At XXXX on XX/XX/XXXX I attempted to initiate a wire out of my account to pay the remaining balance of a car I was purchasing in cash. The car was being shipped on XX/XX/XXXX so this matter was urgent as the dealership would not ship the car until all funds were received. 

I was informed by Capital One that they would not send any wires to third parties except with a title company for a home closing. I was informed that I could send a cashier 's check to be overnight through my online banking. I went to online banking, entered all the information and provided the verification code sent to my email. Each time the system would say thank you but would not send a confirmation or show activity on my account. I called capital one immediately and was informed that " looping '' sometimes happens and to change my internet browser. I did this multiple times using XXXX and XXXX XXXX but the system would still not process my check. I asked Capital One to complete this on my behalf as they could see there was a technology issue on their side and I was told they could not issue a check. They also did not have any branches that could issue a check if I went in person. 

At this point I was very frustrated as I had all the funds and security requirements to send money but the bank would not offer a wire and could not fix their system to provide a cashier 's check. I then offered to provide a seperate personal account to another bank so that I could wire funds to this account. I was told that it would take two business days to set up any new linked accounts. At this point Capital One would not wire my money to the dealership, provide a cashier 's check, wire money to my other personal account, and had no physical location for me to enter and put certified funds. Essentially I had no access to my money because of an unexplained " glitch '' on Capital One 's technology. 

It was ultimately recommended that I go to another bank and try and initiate a cash advance on my card and ask that bank to wire funds on my behalf. 

The fact that a financial institution of this size and complexity couldn't offer it's customer a wire or cashier 's check was a huge inconvenience that caused great hardship on my end. I had more than enough funds to support the transaction and there was no error on my end in terms of security or information. At the time I needed access to my money most urgently the bank would not provide the product and services that it promised. I felt completely helpless and taken advantage of and I hope that the CFPB holds this institution accountable for its inability to provide these basic services that it claims to offer.
I spoke wit h two  representatives from  XXXX   XXXX   XXXX  about my car loan that I paid off last month, and how the loan is not showing on any of the credit reporting agencies, and I have paid every payment on time for the last  five  years, but nothing is on my credit reports. I was told that since I filed bankruptcy in  XXXX  of  XXXX  that they took it off of my credit reporting, however this loan was not included in my bankruptcy and was never affected. I need this loan to show that I took it out in  XXXX  of  XXXX , made the first payment in  XXXX  of   XXXX   and every subsequent payment until I paid it off in  XXXX  of  XXXX . Every payment was made on time and even prior to the due dates. None of this is reflected on my credit reports. I have the letter from  XXXX  stating that the note has been paid in full, I have the lien free title, and I have the payment schedule from  XXXX  showing each payment paid over the last 5 years. My loan # is  XXXX . I was also told that I had to contact my bankruptcy attorney to get this corrected, which I did, and she stated that they are incorrect in not updating my credit reports.     Thank you,  XXXX
XX/XX/2015 my XXXX store credit card was declined at a XXXX. It turned out that I had missed my XX/XX/2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XX/XX/2015 ). When I went online to pay the bill, I saw a message that XXXX was " actively collecting a debt. '' ( Yes, after only missing one payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from " Merchants Credit '' XXXX stating that they were " trying to collect a debt. '' I 've received four such messages since then, including today ( over two months since paying the debt in full ) and the messages sound like robocalls and are very generic ( not stating my name or the name of the merchant they are calling on behalf of ). I do not currently owe debt to XXXX or to anyone else. I pay my accounts in full and on time. " Merchants Credit '' is therefore making continued attempts to collect debt I do not owe. I have not returned their calls because of this fact and I would like their calls to stop.
I was contacted by Cooling and Winter Law firm about a debt they claim I owed. The debt was XX/XX/XXXX in XXXX County court. I responded to the letter asking for verification because I had never heard of this law firm. I asked that they provide me with all original signed documents since they were a third party who I had never done any business with. They sent me screenshot of a judgment with no signature from the judge. They sent me two letters in the same envelope and they had different balances. These letters were dated XX/XX/XXXX with a balance of {$2700.00} and XX/XX/XXXX with a balance of {$1500.00} for the same debt. The statute of limitations had expired on this debt but was renewed by this money hungry Law Firm that I 've never had any dealing with. They have continued to write me letters and attempt to claim this debt without validating the debt. It 's unlawful to continue attempts to collect a debt without proving I owe the debt. I have also asked that they cease communication with me about this debt. I will attach the documents for you to review. Thanks
I attempted to pay off my collections of {$280.00} I mailed a money order with the exact amount of {$200.00} for one specific account # XXXX on XX/XX/18 I called several times to try and have a receipt emailed to me and received the run around with 5 different collection operators telling me they sent it already, check my spam, check my trash, this went on for like 2weeks. never received it to this day asked to speak with supervisor and was given several different male operators that claimed to be supervisors claiming to have emailed too many times and it must be my computer they would just send a paper receipt. waited another week and received several letters that did not show payment nor the exact account I sent my money order for. so around the beginning of XX/XX/XXXX I attempted to call them back and was today this time the money was spread all over the other accounts which are copays at this point I just broke down cying saying how could that be my money order had a specific account # on it and the supervisor told me it was too bad I just should of payed with a credit card and I went on to explain do not own one I need to speak to another supervisor. I was given another female who said she was the supervisor and was so sorry this happened and she would fix the problem and that the good thing was the money could be moved back to the account I sent it for and she would so. I explained to her I had an underwriter waiting for the receipt by the end of the week and could not believe this was happening for such a small amount. as I was talking to her she said she fixed and mailed it out now I am still waiting on the same receipt still calling and speaking to the same 5 collection operators and getting the same run around and the female supervisor that promised me she fixed it and mailed the receipt will not speak to me and our underwriters are atill waiting and were at the end of XX/XX/2018 and still waiting and still like a fool praying for an email.
On XXXX/XXXX/17 I withdrew from my checking account {$300.00} which left a balance of {$900.00} ... later I went to with withdraw the balance which was one withdrawal of {$800.00} and the machine say that I had already withdrawned my limit I tried again to withdraw {$100.00} the machine says again that I had withdrawn my limit ... I went the next day on XXXX to attempt to withdrawn funds my balance was only {$59.00} ... I filed a complaint with the bank to get my funds the bank informed me that I would have to wait 7 to 10 days while they investigate before they could credit my funds to my account ... I do believe that this is customer abuse from this institution ... I have had no funds for food, gas or to pay electric and/or mortgage ... I 'm appalled that any institution would inconvience any customer in this manner. I desperately need my funds.
I began a cash out refinance loan for multiple properties that are investment properties in XXXX XXXX. It is now XXXX XXXX XXXX and every week JP Morgan and Chase tell me " a few more days '' or asks for information that I have already provided.
XXXX XXXX Act Number # XXXX XXXX XXXX XXXX Acct Number : XXXX XXXX XXXX Acct Num:XXXX XXXX XXXX Act Num : XXXX XXXX XXXX XXXX Acct Num:XXXX Pinnacle LLC Resurgent Act Num : XXXX Pinnacle LLC Regurgent Act Num : XXXX " No contract '' with my personal signed signature. Dispute all information as inaccurate. " No business agreement '' was established with XXXX, nor did any documents state I agreed to let them service my account, should I default on the loan. " No sign contract '' with XXXX to collect any money, and the statue of limitation for collection agency to collect in another state. XXXX entry on my credit report files is illegal as I never engaged in an agreement with their organization. Illegally reporting information on my credit file, is FCRA LAW. Read the law. Charge off/collection is wrong, please delete these accounts from all three of my credit report/ files.
checked my credit report and saw a negative reporting by Wells Fargo. Called them. Spoke with XXXX XXXX who explained he did not see any late payments. I am currently trying to buy a home and ca n't get financing because of this.
Today, XX/XX/XXXX, SpeedyCash withdrew {$1800.00} without permission. It was the full balance of a payday loan that I did owe. The issue I feel is very wrong is they did not attempt to take a payment in the last 8 months. They can confirm that my account went to a 3rd party collection on XX/XX/XXXX. They can confirm that the last time they attempted to withdraw funds was XX/XX/XXXX. As I have contacted collection agencies to begin payoffs on accounts. I do not agree nor understand how they go around their 3rd party collection agency, XXXX, how they leave my account alone for 8 months, and suddenly decide to take the full balance themselves.
A man, XXXX XXXX, left a message on my voicemail claiming he was trying to locate me with a legal summons for a lawsuit. He left me the number of this company to contact in regards to this case. I called the number he provided where I was told I was being accused of defrauding XXXX XXXX for a credit card I had issued back in 2000. They were suing me for over $ XXXX.They claim Citibank bought the debt and they were now demanding their money. I am not sure that this is a valid debt. I have not received any collection notice from this company as of yet, just this phone call. I contacted my attorney and she researched our local county court calendar. She can not find a court date for this hearing. At this point she feels as though this is a scam of some sort and recommended I report it to the authorities. I am also concerned because these people do have at least the last XXXX numbers of my social security number.
IS REPORTING XXXX DIFFERENT UNDISCLOSED AMOUNTS ON MY CREDIT REPORT ( XXXX AND XXXX ) SHOWING I HAVE COLLECTION BALANCES. ALL BALANCES HAVE BEEN RESOLVED.
wells Fargo wont conclude that someone else has been withdrawing the same amount of money from my bank account at a gasoline station from an ATM.and its been the same amount every time XXXX dollars always. that is fraud and they concluded it was n't when i dont withdraw from regular atms and they took out XXXX dollars out and leaving me on negative. and now that i got my loan they took it out and wont gibe me it back too many problems its fraud and they wont do anything about it.
Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. 

What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 
2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 
3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to.
I have a student account with Bank of America. I attend XXXX in XXXX and had requested that Bank of America not let debit transactions to post to my account if the funds are not in the account. We'll, they allowed a {$2.00} charge on my debit card to hit my account and they charged me {$80.00} in fees for this one transaction. I am a broke college XXXX and they have charged me over over {$100.00} " overdraft '' fees this year! I am closing my account with them and feel they are excessive in fees, more than is allowed!
On XX/XX/XXXX Account Control Technology Inc. responded to the complaint I filed on XX/XX/XXXX. In the original complaint I had 2 issues I asked the CFPB to oversee. 

Failure to contact BEFORE Wage garnishment. 
Failure to Validate debt. 

In the response to this complaint through the CFPB, Account Control Technology has admitted that they never any provided ANY written notification to collect a debt for the U.S. Department of Education to the debtor before administering a Wage Garnishment. 

Additionally in the same response Account Control Technology INC provided promissory note applications with loan amounts of {$0.00} for ALL XXXX loan applications through XXXX XXXX. Therefore they have agreed that they are falsely claiming a debt is owed and collecting through an illegal means. 

Again, as I have stated before all Direct Loans are NOT DISPUTED and have been paid in full through an Administrative Wage Garnishment in XX/XX/XXXX-XX/XX/XXXX.  I am attaching to this document " End of Year '' payroll statements that prove ALL Direct Loans have been paid. 

Account Control Technology MUST return this account to the U.S. Department of Education as " uncollectible ''. 

For my own protection please note that : 1. This is a disputed debt. 
2. The debt has not been validated. 
3. Account Control Technology is levying an Administrative Wage Garnishment without validation. 
4. I will be contacting my employer immediately to find out if the Administrative Wage Garnishment was ever suspended. 
5. The Department of Education ; XXXX, XXXX, have been notified and HAVE ALSO failed to respond. 

Sincerely, XXXX XXXX
I am currently being harassed by email from XXXX loan companies. CashCallXXXX. They are threatening to sue/ garnish my check. I only applied for a loan with CashCall, paid the loan. Then CashCall said I still owe them XXXX dollars. I filed a complaint, they said they wrote it off on my credit report. These orther XXXX I have never applied for a loan nor have I received anything from them. I tried emailing them letting them know these are fraudulent, but no reply. Next I tried calling them at these numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX not reachable. PLEASE PLEASE PLEASE HELP ME. Thanks!
To whom this may concern, XX/XX/2015 I cosigned for a car loan for my mother. She had the car for over a year and could not keep up with the car payments and therefore returned the car back to the dealership. This car loan is continually showing up on my credit report as ( closed ) but It is also showing up every month as if we are missing payments and it appears as if the loan amount continues to go up. My problem is that this should no longer show up on my credit report and needs to be removed as the car has been voluntarily returned to the dealership and we owe nothing as of this day. This is continuing to hurt my credit scores payment history and derogatory marks section and I need this to be removed as this situation has already been taken care of. 

Also, the issue I am having with XXXX XXXX XXXX is the same issue. I voluntarily gave the car back and they continue to call me a ding my credit for a car I returned. Not only did the dealership receive my car but I signed a voluntary repossession form and gave it back to them. This should no longer report on my credit score as delinquent
I am an accountant for XXXX XXXX XXXX XXXX, the president is XXXX XXXX. They owe money to XXXX/Recovery Solutions Group LLC./ XXXX, a gentlemen by the name of XXXX XXXX have been harassing my client with phones calls. He calls her cell and her business all the time too early or too late. He called her landlord, and he called my office. I spoke with him once and I asked him to please not to call my office any more. I explained to him that I was the accountant, but I do not pay their bills. At that conversation, he claims that I called him, and that I left a message threatening to harm him. I told him that I did call him nor left a message, and that I am a XXXX, that I do not threaten people. He said what being XXXX does not mean anything, at the end of the conversation he told me to pay my bills. 
I told him that if he calls back my office. I was going to record the conversation, and I was going to file a report against him. He called back again and keeps on calling. 
This morning I was listening to my messages, and I noticed the he called twice the last time was on XXXX XXXX, XXXX at XXXX am. He calls and plays a message that was left to him. The message was left to him, my XXXX on my employees who claimed to be me. I did not authorize the phone call and I was not aware of the message until this morning today XXXX/XXXX/XXXX at XXXX XXXX 
The message is asking him to stop harassing our client and to stop calling her, the landlord and our office, that if he did not stop calling that our client was going to take legal action. In the message there is a part that says that " her medical records are going to be more expensive for you '' I guess it was meant that she is getting sick by his harassment, and that she will charge him for the medical bills. However, also it may be interpreted that his medical bills may be more expensive, the word " her '' if taken off could me misinterpreted. I saved the recorded message that he keeps on playing when he calls my office. 
I really do not see the reason why XXXX XXXX keeps on calling my office and keeps on leaving the recorded message into my voice mail ; I do not see the point of harassing me. I have many clients I never had a situation like this before. 
Here I am attaching emails that I have received. 
I want this company to be fully investigated for the harassment that he is doing to my business. I am not part of any actions that they may have against my client, I do not owe them any money.