WillisBack/dataset-financial-user-claim huggingface dataset:
Ditech gave a deadline of XXXX XXXX, 2015 for me to respond to their modification offer. The offer adds " expenses '' to my new modified balance that are not explained. I sent a Qualified Written Request asking for an explanation of these expenses, but Ditech has refused to give me information. 

On Wednesday, XXXX XXXX, 2015 my wife XXXX called Ditech at XXXX about sending a Qualified Written Request asking for information about your modification offer. She was told to fax the letter and specifically told she did not need to send it by mail. 

She followed up by calling Ditech at the same number on XXXX XXXX, 2015. She spoke to a Ditech representative at extension XXXX. That representative said Ditech would not provide any information to respond to the Qualified Written Request that was faxed to Ditech on XXXX XXXX. 

The Ditech representative claimed the information I asked for was already included on page XXXX of the modification, but that is completely false. I asked for an explanation of the charges, and page XXXX simply lists XXXX very broad categories of charges with no explanation. 

Specifically, the letter from Ditech dated XXXX XXXX, 2015 includes a permanent modification offer and says that the " new balance '' of my modified account includes " past due interest in the amount of {$14000.00} '' and " eligible servicing expenses of {$13000.00}. " In the fax of XXXX XXXX, I requested a detailed list and explanation of what is included in the " eligibile servicing expenses of {$13000.00}. '' I also asked for an explanation of how the " past due interest in the amount of {$14000.00} '' was calculated. 

I submitted a new Qualified Written Request asking for this information again by fax on XXXX/XXXX/15 and by mail on XXXX/XXXX/15. 

But I am concerned that due to the Ditech 's refusal to respond to my original request, I will not have the information I need in order to respond to the modification offer before XXXX XXXX, 2015.
I received a bill from EOS-CCA ( XXXX XXXX XXXX, XXXX MA XXXX ). The bill was a collection notice referencing an outstanding debt with XXXX, dated XX/XX/18, Acct # XXXX, Client Acct # XXXX, for {$99.00}. There were no additional details about the charges. 

A few years ago I had service with XXXX through XXXX, but never had charges with XXXX directly. My account with XXXX was paid in full at end of service with no outstanding charges. XXXX has periodically contacted us at our current mailing address with service offers, so there is no reason that they would not have been able to reach us regarding outstanding payments. 

I called XXXX first to get more information. I gave them the Acct # s provided by EOS-CCA but they did not match anything in the XXXX system. They also searched by my name, phone number, and mailing addresses, but could not find any records of outstanding charges. 

I called EOS-CCA directly to let them know that the bill was clearly in error. I explained that I never had an acct with XXXX directly, only through XXXX, and that XXXX had no record of these charges. I was told that even though the original physical bill from EOS-CCA said XXXX, they could see in the computer that the charge was actually from XXXX ( note this was only after I had already mentioned XXXX ). I was told that I could also contact XXXX, but that neither company would have records on this since the debt was transferred to EOS-CCA. 

So I then called XXXX. Similar to XXXX XXXX, the Acct # XXXX provided by EOS-CCA were not the correct format and they did not match anything in the XXXX system. They also searched by my name, phone numbers, and mailing addresses, but could not find any records of outstanding charges. 

EOS-CCA provided me with a fax number to submit a dispute ( XXXX ). They instructed me to provide proof of payment in order to process the dispute. This is not possible because this bill never existed in the first place. I am going to submit a letter to them today, but since this is clearly a scam I do not expect them to drop the charge. 

I am concerned that this fraudulent bill will negatively impact my XXXX XXXX. 

Thank you, XXXX XXXX XXXX
This complaint is in relation to credit reporting and debt collection, involving XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I've only been dealing with these companies the last couple of months, periodically. As recent as XX/XX/2018, XXXX XXXX  sent me a letter informing me that they had reported a debt on my credit report to a credit agency, Experian. I am very baffled by this action, but I currently have a written dispute with XXXX XXXX XXXX and XXXX XXXX  in place. Neither company have completed the validity of debt as requested within the 30 days when first requested. XXXX XXXX reported this debt without notification that it was being disputed. This is unfair and deceptive. I was informed by XXXX that XXXX XXXX purchased the debt, but XXXX XXXX indicated in the letter XX/XX/2018 that i must dispute the debt with XXXX. I have already disputed the debt with XXXX who was collecting on behalf of XXXX XXXX, and I was told that Navient, no longer own the debt. On my credit report, it indicates, I believe that XXXX {$0.00} and XXXX XXXX XXXX, which they added XX/XX/2018. 
Additionally, on XX/XX/XXXX, XXXX XXXX wrote me threaten that my employer would be contacted for wage garnishment. Initially, I thought why is this company contacting me about wage garnishment, attempting to collect a debt. I did not know nor did XXXX XXXX disclose that they were affilated with XXXX XXXX. This is unfair and deceptive in nature. I just want fairness and the intimidation tactics and unfair credit reporting to be removed. I would like to know the relation to all these companies because something is not right, and my rights are being infringed upon as well as, I'm sure many consumers. We as consumers are expected to follow procedural methods to dispute of a debt and these companies should be expected to complete the validity of a debt within the 30 days of the expected first request to the party who requested. This is a debacle and a scam that causing me distress and uncertainty. Please assist with fairness of this matter.
XXXX is trying to collect on a debt that was previously being collected on by TRS. I submitted a police report and FTC Affidavit to TRS before they submitted this out to this other collection company
I went to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX on a Credit Line Increse where I spoke with Asocciate XXXX and state I wanted to purchase a XXXX Laptop priced at {$890.00} upon XXXX going to the back to get the Laptop I spoke with another Sales Associate by the name of XXXX I explained to here that I wasnt really happy with the fact that the Laptop wasnt on display she explained that they couldnt open the box to show me because because it was sealed and i would have to purchase it to see it, also I asked XXXX if I could have the Laptop on a sperate account XXXX informed me that to do that XXXX would have to run my credit report again at that point I told XXXX that I didnt want my credit ran for a separate account so I would just add it to my other account. Shortly afteXXXX XXXX XXXX returned with the boxed laptop. I gave him my letter and he began to ask me for information such as my phone number, address driver license number and social security number it was never stated that he would have to run a credit report to see if I qualified since this is some of the basic information XXXX uses when you call in to identify you. I never gave permission Tom run my credit report since this is something that I didnt wat done since Im working on repairing my credit. When Associate XXXX informed me that I would have to do a lease purchase to get the computer I asked why since i was already approved for a credit line increrse Associate XXXX stated that he spoke with his manager and that was what was required, not understanding so I my fianc ( XXXX XXXX ) who was with me doing this event stated that i should call the corporate office so I did thats when I found out that XXXX had ran my credit WITHOUT MY PERMISSION. At this point i was very upset so I called XXXX and asked for the Manager XXXX and I stated my concern to hi at which point he stated he would talk to XXXX, unfortunately this does not help my credit score sine it will show up as a hard inquiry take will stay on my account for 2 years. At this point I need to know what can be done to have this corrected.
I filed Complaint # XXXX about USAA and many problems I have encountered with them. My investment account has sat for more than 2 years with little or no activit. Now, because I spoke out about the mishandling of my accounts have retaliated against me for filing my complaint with you. Inevitably, they refuse to make correction to any of the issues and USAA continues to : 1. Bill me {$270.00} for an auto insurance policy that was terminated because the car was stolen ( police report was submitted ) .USAA attempted to charge the premium to my checking account despite the cancellation ; thus, my checking account went into overdraft. No correction has been made to this issue. I have given them proof that my insurance was moved to another carrier when I later purchased a new vehicle 2. Refuse to acknowledge that my social security number was on file correcctly with the bank, the brokerage firm, and the insurance company.A copy of my social security card was submitted at the inception of my banking relationship with them. XXXX transferred my stock to them using my correct social security number ; thus, I know the number was correct on the brokerage side.And, as for the insurance, I know my number was reported correctly because they immediately placed a negative mark on my credit for the undue premium. As detailed in the attached letter from USAA, they lost the XXXX I submitted, at their request. I completed the form and mailed it back in the self addressed stamped envelope that was i sent to me by USAA. How am I the customer supposed to be responsible for how they handle the mail they receive? 
3.Online access to my account is restricted and has remained restricted for years. One agent removed the restriction XX/XX/XXXX, the next day, the restriction was back in effect. 
4.On XX/XX/XXXX, I requested a sale of XXXX stock . I was told that I COULD NOT perform the trade over the telephone and would have to submit written documentation. I submitted the written request to sale 10 ( ten ) shares of XXXX stock and transfer the funds to my XXXX XXXX account. I did not receive a response to my written request for more than 7 days, thus, I called again. The agent I spoke to on the second call, instructed me that my written request had been received but would not be processed ; the trade had to be performed telephonically. She then stated that she would forward my request to an agent to perform the trade. Moments later, I was forwarded to an agent. The agent began processing the trade, as he stated the trade value, I noted that he was selling XXXX XXXX XXXX stock, not the XXXX as I requested. He was told immediately of the error. He placed me on hold to make correction. When the agent returned to the phone, he told me that the trade was instantaneous and he could not correct his error. Instead of owning the human error, USAA refuses to acknowledge that my written instructions stated to sell XXXX stock and that is all that the agent was supposed to do. His error cost me unnecessary fees and USAA 's human error of losing my XXXX, cost me undue backup withholding.
XXXX XXXX wanted to charge me the full monthly price of XXXX to terminate my contract ending on XXXX XXXX XXXX, but with access ending on XXXX XXXX XXXX. There was no clause my in my contract I would only have 10 day access for paying the full amount of the final month. The claim was " so that I would not be billed again. '' If that was the case, they should have charged me the prorated rate. There was no clause in the contract that my access to the gym would terminate early. The debt was disputed within the legal time frame of 30 days, so it not a valid debt because it is disputed. ABC financial continued their attempts to collect and have sent it to a third-party for collections. Please see attached documents.
I paid for medical services with my credit card ( XXXX XXXX XXXX Signature card ). At the time of payment, The Hospital offered a 20 % discount off the bill if the bill was paid before my wife left the hospital. I paid the bill which was {$910.00} ( {$1100.00} minus XXXX % ). Insurance covered more than what The Hospital had calculated because my wife met the out of pocket maximum, so I overpaid. I contacted The Hospital providing all the calculations and how they owed me {$250.00} as a result of the over payment ( actual bill was {$830.00} minus 20 % or {$660.00} XXXX {$660.00} minus {$910.00} is {$250.00}. The Hospital refused to offer a refund so I immediately contacted my credit card to dispute the overcharge. I provided all the necessary information that Bank of America requested in a timely manner, well under the 120 days required by law. Bank of America sat on the request and did nothing. They gave me a case number ( XXXX ), but did absolutely nothing. They did not contact The Hospital ; they did not contact me for clarification ; they did not explain anything in terms of why they would not resolve the case. They just sent me a letter saying it was too late. Bank of America did not do its fiduciary responsibility of investigating the dispute. 
This all happened over many months from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
To Whomever This May Concern : My name is XXXX XXXX XXXX and I have 3 collection accounts on my report that do not belong to me. Also one of the companies are reporting twice on my report, which is, Online Information Services with 2 different amounts, and XXXX XXXX. These items do not belong to me at all. I am attaching my police report and my DL attached to this complaint. The 3 items listed are : Online Information Services-XXXX, Online Information Services-XXXX, and XXXX XXXX. These items need to be removed off of my report immediately or I will be filing multiple complaints with the Attorney Generals office and the FTC. Thank you in advance.
I have sent endless letters, faxes, and made calls to submit documents to support removal of items, as well as fraud blocks on accounts and they will not comply.
suspended my account and stated the account would be activated in a few days but hasnt. i called the bank and the customer services person disconnected XXXX times after having waited XXXX mins each time. I have funds in the account but cant access via website. HSBC Premier customer service is awful. They need people who give a XXXX about servicing clients.
Received a mastercard from a company called Netspend in the mail today. I did not apply for this card or ask for it to be sent to me. When I called the management company listed on the Card facts ( XXXX ) I was told they do not mange the card and I would have to call a different number. I located a number online for netspend but when I contacted it I was unable to speak to a live person unless I activated my card or provided them with my social security number.
My loan is through PennyMac. I pay it at the end of the month - that is when I have money to pay it. I have always paid it at that time. I have had multiple conversations where they acknowledge the request and that I am less than 30 days past the expected pay date. They keep calling me during the day, at work, during the month about that payment. They say the only way that I can get them to stop calling me at work, while I am working, on the only phone I possess ( a cell phone ) is to file a " cease and desist '' letter. 

I have to pay a lawyer to get them to not call me at work, during the day. That is unacceptaable.
I have contacted Experian to no avail to get two addresses removed that are false. Their phone system has had issues and I was disconnected by the only two agents that were actually willing to help. After a total of four frustrating phone calls, I was told by every other agent that they have to follow policy and can not remove an address that a creditor is reporting. I advised them that I had contacted all of the creditors associated with the false addresses by phone and certified mail and they still had not updated. I had no issue with XXXX  or XXXX  with this, yet Experian still flat out refused to remove the last two INCORRECT and false addresses. They said this must come from the creditor. My first time contacting Experian about this issues was XX/XX/18 and the second time was XX/XX/2018.

I advised Experian that they should not be reporting false information- still no resolution aside from them continuing to tell me to contact the creditors which I had already done so over 60 days prior and 3 weeks prior.
In XXXX 2017, my credit report is reporting has two account reporting that are not mine. XXXX XXXX and XXXX XXXX. these accounts are not mine they belong to my wife.
American Express just sent notice about charging {$0.00} any time you input the wrong pin into an ATM, this is insane, please address.
Experian has been reporting a Bankruptcy on my Social Security number for over 7 years. 
I have sent several letters asking to verify with a signature and asking for the procedure and the only answer I get is they claim it was validated. When I ask who validated it, they claim the court did. 

I have a letter from Bankruptcy Court in XXXX, MS where she said that they do not work with the Credit Bureaus and have not validated anything. They do not provide information to the Credit Bureaus nor any third parties. 

This is a violation of the Fair Credit Reporting Act. They are using an unnamed 3rd party who must have a glitch because it does not show up in XXXX XXXX or XXXX. I will provide proof from the Experian credit report I bought. 

I will provide the 3 letters I sent along with the letter from the Bankruptcy Court and a credit freeze from XXXX who froze my account to keep there from being any further misreporting.
on Monday XX/XX/2018 I call my bank and put a stop payment on check # XXXX for {$2800.00} to XXXX XXXX the stop payment successful and money was return to my acct. on XX/XX/2018 XXXX XXXX was able to walk into the Chase bank and cash check # XXXX the XXXX was withdraw from my checking acct at the branch in XXXX XXXX .mi the bank had withdraw {$30.00} fee. now that tell me they are sorry but there is nothing they can do and credit my acct {$30.00} fee there is nothing they can do fore me that I need to take it up with the branch.i have a clams number that I file # XXXX clams dept.
I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now.
The bank approved a XXXX from out country to take out of my checking acvount on the XXXX I have contacted them several times went in and filled out papers with bank mansger. They have returned my bill as insufficient funds and have now taken my social security money out of my account. It is now the XXXX and I have none of my money because of them stealing it from me.
my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home
Enhanced Recovery company failed to notify me in writing wit hin 5 bu siness days of reinserting a deleted collection account that once belonged to  XXXX   XXXX   XXXX  in  XXXX   2017 . Not only did they break the law in failing to notify me, they reaged the account and changed the amount " owed '' on this collection account that I disputed and was deleted from my credit report. I have no knowledge of this account, please delete this inaccurate information from my CREDIT report it is making it extremely difficult for me to obtain credit. Thank you
We have recently been informed that the investor/owner of our mortgage ( investor ) made the decision to apply the amount we have overpaid to our principal balance instead of refunding it as our escrow account surplus. It was told to us that the investor has the right to do whatever they wish with the money that was paid to XXXX XXXX XXXX ( XXXX ) during our mortgage modification trial plan ( modification trial ). Upon review of the paperwork supplied with our modification trial we discovered that the amounts paid ( approximately {$10000.00} total ) were actually required to be applied to the oldest owed mortgage payments but the money was not. Nowhere in our paperwork does it indicate the investor has the right to do anything except apply it to the oldest owed mortgage payments. Instead the money was applied to our escrow account by the investor when we did not move forward with the final mortgage modification. As the money was in our escrow account at the time we became current on our mortgage we are owed that money as an escrow surplus. In a XX/XX/2018 telephone conversation we were assured by the investors representative that we would be paid any escrow account surplus at the time we became current on our mortgage, which happened XX/XX/2018. We made financial decisions based on that representation and the escrow analysis letter we received. Or conversely if the payments had been applied to our oldest owed mortgage payment we would have not had to pay nearly {$10000.00} additional funds to bring our mortgage current placing a serious financial burden on us.
They call my cell number and my home number on the same day. They call both each day. They call and dont say who they are and ask for personal information. 

I have spoken to them and explained that this was an insurance error and that it would be paid in a week and asked them to stop calling for one week to see if it gets resolved. I also told them if it is not resolved in one week that I would pay it. 

I have asked them to stop calling and the above info XXXX separate times. 

They call from multiple unidentified numbers.