WillisBack/dataset-financial-user-claim huggingface dataset:
Flagstar Bank, paid the wrong insurance company from my escrow account on XXXX, somehow they sent a payment to XXXX which is not and was never my insurance company. My insurance company is XXXX XXXX XXXX XXXX XXXX XXXX, another payment was then sent to the correct company mentioned on XXXX. 

The amount of XXXX has been debited from my escrow account twice. 

Last week ( XXXX ), I called Flagstar and informed them of the issue, the first customer service agent said that the system was down and there was nothing she could do. I called back and spoke to someone in the insurance department that mentioned that she would investigate, this took 50 minutes of my time. Yesterday I got phone calls that I was not able to get to, I called back and the message said that a detailed voice mail was left ( but this is not so ). I called Flagstar again on XXXX and spent 90 minutes on the phone, after being transferred four times, I was informed that the system was still down, so they could effectively do nothing. They dont know the status of the first wrong payment, they cant send me a detailed list of transactions, nothing. The agent did mention that the new payment was successful ( per notes that she found somewhere else ), but thats not the issue that I asked to investigate, I need an investigation about the wrong payment being sent, and I need that money back in my escrow account. 

This same agent yesterday mentioned that the first payment was sent to my old insurance company, I corrected her and told her that XXXX was never my insurance company, somewhere along someone mixed up my information. 

Flagstar is also unanble to send information via emails per employees, additionally Ive asked about complaint or customer relationship department and theyve avoided the question ( they say they dont know ). 

I believe that the issue is now affecting my escrow evaluation causing my payments to go up.
On XXXX/XXXX/15, I initated an on line bill payment with Ally Bank for {$260.00} to XXXX XXXX , XXXX ( XXXX ) to an address in XXXX, XXXX. On XX/XX/XXXX, I was advised by XXXX that my payment had not been received. Upon further investigation, it was found that my payment was directed to XXXX XXXX , XXXX ( XXXX ) in XXXX, XXXX. These are XXXX different companies. After multiple telephone conversations with Ally, they advised me that they have done all they could and as far as they were concerned the payment was made correctly. I even had a conference call with Ally, XXXX and myself where the employee for XXXX advised the Ally employee that my account had not been credited and they paid the wrong company, XXXX. 

Ally Bank uses a 3rd party to process their on line bill payments. Effective XXXX/XXXX/15, Ally replaced the 3rd party processor that mishandled my payment with a different company. The supervisor insisted that XXXX must have supplied the 3rd party processor with the wrong routing and transit number. Seriously? That 's their story? They also insist that they are unable to retrieve the payment from XXXX. Had this been a debit or credit card, I would have been able to dispute the transaction, provisionsal credit would have been issued and Ally could initiate a recall of the ACH transaction. 

In brief, for an online bill pay I supply Ally Bank with recipient, address, account number and amount? I, the consumer, do not supply the routing and transit number. For their story to be believed, one has to accept the fact that someone at XXXX XXXX XXXX supplied the terminated 3rd party processor with the wrong routing and transit number. I would tend to believe the more likely scenario is someone at the terminated 3rd party provider bill pay service either looked up the wrong company, or input something incorrectly. 

Regardless, I have advised them that my directed payee did not receive payment and they are responsible for it 's completion. I provided correct information. I made no errors. Ally Bank is in clear violation of UCC 4A 301-305 for its ( or its contracted and terminated 3rd party provider ) actions. I have lost {$260.00} due to their errors.
Just received notice that as of XX/XX/2018, Hyundai will start to apply a {$3.00} surcharge for payments made on the lease. This fee is waived if I sign up for autopay.
This is to file complain against CHASE CARD. 
Opened XX/XX/2015, Credit limit {$11000.00}, Balance {$12000.00} I never Opened this account, Chase are reporting this false information, on my credit file XXXX, i called them many times, but they wan na help, or provide me with proofe i opened account with them.
The desert is Kohls department store I have made several attempts with them to make an arrangement and apparently the arrangement was not set and they are continuing really calling me morning noon and night to pay a {$300.00} credit card. I had told him I will pay it and they still continue to call me all day and all night the latest call I received with the XXXX at night. And I have tried blocking them.
I received a automated call from Weinberg remediation group on XX/XX/2018 around XXXX. The automated message said I had to call them before my debt they have goes to legal status. 

I called them back and a man answered who continue to tell me that I signed a contract with a credit card company that has a default clause that will kick in if I dont pay them. This default clause allows them to charge me for 4 times he rate of the original debt. I asked if they would be willing to verified the debt. He then very angrily said hes not playing around with and will just report this to their attorneys to take legal action. 

I called back and got the same guy again and asked him to confirm their address to me. My plan was to send them a letter to force them to verify the info. The man then kept avoiding giving me the address, or verifying the one I found online. He then told me I was smart for someone is who in default and that they will be taking legal action. 

After talking to a lawyer, its my understanding its against the law for then to one not identify as a collection agency and to also threaten to sue me. 

After a quick XXXX search it seems this company has been sued multiple times.
PRIVACY ISSUES - REPEATED DISCLOSURE OF CONFIDENTIAL INFORMATION XXXX XXXX via their attorneys continues to disclose my confidential information on my dispute with them, to the former owner of the house I rented and her attorney -- without my permission or approval. In fact, I told them NOT to do that. When they ignored me and once again divulged confidential information about my dispute with XXXX XXXX, AND MY MAILING ADDRESS -- I submitted CFPB complaint # XXXX at the end of XX/XX/XXXX for illegally disclosing my private information. ( XXXX XXXX wrote me a letter regarding that dispute, but told CFPB it is not their complaint. This is a lie. ) Instead of stopping their practice of illegally including people not a party to my complaint with XXXX XXXX -- on XX/XX/XXXX I received a letter at my home dated XX/XX/XXXX in response to my recent complaints. It stated I am not the owner so they reuse to respond to my complaint ( even though it has nothing to do with the owner ) -- AND THEY COPIED THE FORMER OWNER AND HER ATTORNEY WHO HAVE NOTHING TO DO WITH MY COMPLAINT!!! NOT ONLY THAT -- THEY INCLUDED ALL THEIR PRIOR LETTERS EVEN FURTHER DIVULGING MY PRIVATE INFORMATION ABOUT THIS COMPLAINT AND MY MAILING ADDRESS, WHICH IS NOT PUBLIC KNOWLEDGE WITHOUT MY PERMISSION. 

THEY ONCE AGAIN DIVULGED MY CONFIDENTIAL INFORMATION. 

Since XXXX XXXX steals their clients identities to open unauthorized accounts, they obviously do not take private data seriously. They seem to believe they can do whatever they XXXX well please. 

I notice although XXXX XXXX wrote me a letter they refused to respond to my complaints, they responded to the above complaint to you that they are the wrong party. They also claim this is the same issue they responded to. This is also a lie. Despite multiple complaints different in nature, XXXX XXXX has not appropriately responded to any of them. 

The owner of my rental is XXXX XXXX. Their name is on the deed. The name of the TWO cases trying to illegally evict me as a renter with PTFA rights was XXXX XXXX. Further, in a deposition of Spring XX/XX/XXXX, OCWEN testified under oath at least 17 times they are operating under the direction of XXXX XXXX. OCWEN further testified that they had power of attorney and the law firm XXXX XXXX XXXX is operating under the direction of XXXX XXXX. 

Since XXXX XXXX 's agent XXXX XXXX XXXX, and their employee XXXX XXXX XXXX persist in divulging my confidential information, they need to answer for this.
I have tried to prove beyond any doubt that my consolidated student loans were always in deferment. I have filed numerous complaint against XXXX XXXX XXXX, the servicer of my student loan. When this company took control in XX/XX/XXXX, I was still in deferment. Therefore, how could I ever be late on payments? I have never made payments while in deferment. On each credit bureau it shows that I was automatically 90 to 180 days late on payments. On XXXX   it shows an instant 90 days late all the way up to 180 days late, then back to 90 days late. This is a complete fraud used by a debt collectors to hold my credit rating hostage. 

My XXXX shows from a perfect rating to an instant 180 days late in XX/XX/XXXX. 

My Trans Union shows automatic 90 days late up to 120 days late. 

I need now the bureaus to investigate an abusive credit reporting process done by XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX ) XXXX. 

I NEED THESE LATE PAYMENT HISTORIES PURGER PERMANENTLY!!!
Paypal Credit ripped me off. Signed up for a credit account that was " No Payments and No interest on purchases for 6 months ''. I made a charge of {$1500.00}. Two months later, I purchased something for {$50.00}. I was charged interest on the {$50.00} charge. I found out after calling Paypal Credit that " if I read the fine print '', I would have seen that the " promotional '' 0 % was only for purchases {$99.00} and up. However, they did NOT make that clear when I made the {$50.00} purchase. If a credit card company is advertising " No Payments and No Interest for 6 months '', the assumption to any consumer is that is the case. As someone who has a stellar credit rating ( because I watch my fiances like a hawk ), this should not have gotten past me. So, I can only imagine consumers who do n't look as carefully getting ripped off by these crooks otherwise known as Paypal Credit.
I have been a XXXX card holder with BB & T since 2008. I just learned that they put a XXXX block on my account for " susp [ ected fraud '' and then without contacting me closed the account. This reflects poorly on my credit report as it is listed as " account closed by credit grantor '' which is a derpgatory remark. BB & Ts action was arbitrary, capricious and negligent.
My dispute with Sears has been going on since XX/XX/XXXX. I contacted them when I returned from my trip to XXXX on XX/XX/XXXX because I charges on my bill that were not made by me. I was out of the country from XX/XX/XXXX until XX/XX/XXXX. I was sent a new card and told that an investigation would be opened. Since that date more charges have been made on that account none of which are made by me. Sears has been extremely unhelpful in resolving the matter. At some point I believe my identity was stolen because I have had similar issues with other credit card companies with that were opened without my knowledge. I also had unauthorized charges made on other store cards and they all have been settled and resolved by each company but sears continues to give me the run around. I have made a police report as well as reported the fraud to all 3 credit bureaus and so far everything has been resolved. Even the IRS is informed of the issues Ive had. I just want to get rid of this issue with sears because it is affecting my credit. Ive had my sears card for more than 10 years and Ive never had an issue making payments. I pay all my credit cards on time I wouldn't have any motive to want to take advantage of sears. Ive gotten to the point where I had to close my store card because I can no longer deal with the aggravation of having to call almost everyday for the past 6 months and stil get no resolution.
I wrote a letter to the credit bureaus regarding the reporting of XXXX XXXX XXXX and XXXX XXXX on my credit report. I requested that the debts be validated and both companies sent me a notification of debt and also previous monthly statements. According to air Credit Reporting Act, a debt must be validated by creditor by proving a signed contract or loan agreement along with proof of payments. XXXX XXXX XXXX and XXXX XXXX have failed to provide valid proof of debt. XXXX XXXX stated in the letter that they no longer even have the debt and that it has been sold to XXXX XXXX XXXX I demand investigation and to have these accounts removed from my credit reports with all three bureaus immediately.
I have contacted the credit bureaus XXXX and Transunion about inquiries that were not authorized by me and asked to verify them in writing in which they did not and they are still present on my report. Also my credit report has n't been updating properly through the XXXX XXXX website for approximately 2weeks now.
We had a loan on a piece of property on the Florida XXXX XXXX with Wachovia. Wells Fargo bought Wachovia, so the " lot '' loan transferred to them. After the real estate market crashed, the loan was up for renewal/refinancing in 2012. Obviously, it was upside down. We initiated contact with Wells Fargo on refinancing and they insisted we come up with $ XXXX and they told us they were going to increase the interest rate to 6+ percent ( rates were 3 to 4 % at the time ). We had perfect credit, with scores at or above XXXX. We explained that we were happy to continue paying on the loan but could not come up with the $ XXXX cash they needed. " XXXX '' informed us if we just did n't pay for 60 days then the loan would go to a different committee that would be more flexible. We followed his advice. At 60 days, after many phone calls initiated by us, we finally reached a lawyer that said they were about to initiate foreclosure proceedings. She was surprised to hear we were still willing to make ( full ) payments and had informed Wells Fargo of this. We explained everything we had been discussing with XXXX and she informed us he was on leave. She advised we could continue to make payments at 0 % interest, no foreclosure, and they would just take the loan " off-ledger. '' Although we had never heard the term " off-ledger '' we agreed. Since that time, for over 4 years, we have made every single payment. However, our credit report shows as if we have not made a single payment for 4 years and looks the same as if it is foreclosed. We have written letters -- to no avail.
I received a message last on XX/XX/XXXX or XXXX XXXX 2017 and could not understand what the woman was saying, but it sounded very serious, so I did what I could to call back. I finally got through after five repeated tries, without being able to leave a message and spoke with a woman named XXXX XXXX XXXX. She explained to me that her law firm was going to sue me if I did n't pay almost 800 dollars from over 10 years ago. I explained to her that it 's been way too long, and that there 's no way I owe that much. It was from when I was XXXX and opened up a XXXX XXXX checking account. I got hit with some overdraft fees that I could n't pay, so the account closed and went to collections. Scared that I was going to be sued, before reading about the NFCPA and all my rights, I reluctantly agreed over the phone to set up a payment plan that was completely unreasonable at XXXX dollars every two weeks. She urged me to sign the documents they emailed right away, which I did not. I tried to call back but could n't get through until the following Monday when I realized they went ahead and charged my bank the first XXXX dollars even though I never signed and planned to arrange another way of dealing with this. The company is Consumer Recovery Solutions and I was billed through XXXX XXXX.
A few years ago I had an account with XXXX XXXX. I left that bank and did not close the account. A few years later I started working on my credit and noticed that I had a {$29.00} charge off collection from XXXX XXXX. I called them and they explained that it came from the account never being closed and that maintenance fees are what made the account overdraw. It only being {$29.00}, I agreed to pay them and have it removed from my credit report. I sent them a money order for the full amount and within a few weeks the information on my credit report updated, showing the account had been paid. I agreed to pay them because they said it would be removed from my report. Not only is it still on my report, but it does not show the original {$29.00} amount that was being charged-off. So other creditors look at my account a see a charge-off showing paid in full with no original amount. 
They agreed to remove this from my report if I gave them the {$29.00}. Reporting as is does not make it much better had I refused to pay them, because now potential creditors have no way of knowing the original charge-off amount. This is a small bank, based in Alabama, that I should have never done business with.
phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
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Tired of being harassed and having credit take a hit for something i already paid.
On XX/XX/XXXX and XX/XX/XXXXmy card identity was stolen and used for two charges of over {$3000.00} through XXXX. I informed the credit card that I did not authorize these charges. 

They took care of one charge but the other one they are claiming I authorized through XXXX. 

I sent them my XXXX account which is a business record and 100 % shows that I did not make these purchases. And have never made big purchases with my credit card or XXXX. 

Depsite this, they informed me through e-mail that they had proof from the XXXX XXXX that I authorized the card and were going to make me pay for the charge stemming from this " proof ''. Noteworthy, they did not send me anything through the mail just a link on their website. When I attempted to look on the website for this so called " proof '' all I got was " error ''. 

The Credit Card Company is USAA XXXX.
Caine & Weiner CO is attempting to collect on a debt that is not mine, for XXXX XXXX. I have never had XXXX XXXX. I have never received any notices from either of them. I noticed this collection on my credit file. Caine & Weiner is in violation of my 30 day right to dispute, as I have never received any notices.
I opened an account with Chase Bank XX/XX/XXXX and immediately after began to receive pre-screening offers for their XXXX and XXXX XXXX. XXXX of that year I requested a credit limit increase which required Chase to pull my full report. At the time that the report was pulled I had XXXX accounts which had been opened within the past 24 months. Chase granted the credit limit increase and continued to send the pre-screening offers for both their XXXX and XXXX products. From XX/XX/XXXX to XX/XX/XXXX I was sent an offer for the XXXX and XXXX cards once a week every week for the 8 months. In XXXX I decided to apply for the Chase XXXX and I was declined. The only reason listed on the decline letter was " Too many credit cards opened in the last 2 years '' which at the time was XXXX. I contacted Chase and asked them why they would send so many offers for the XXXX if they knew I had a high number of accounts opened in the last 24 months? They stated that its not their obligation to inform their marketing department of any information obtained from pulling my credit. I do n't think that 's right or fair. They pulled my report 8 months before and saw the number of new accounts yet continued to send me offers for a product I was n't unqualified for. Now I have to have the inquiry negatively effect my credit simply because they refuse to share information between departments.
Disputed the debt several times and the debt is passed it statue of limitations. The creditors no longer have the debt on my credit report but the collection agency reaged the account and refuse to take it off my credit report. The amount was {$940.00}, they are violating my rights! I have diputed this account over a year now! Last letter they sent was XX/XX/2016!
I received a notice from a collection agency called Choice Recovery. I called and let them know that my insurance company is a contracted provider with the company they are collecting for and that my insurance company had paid and I was n't responsible for the {$890.00} amount they were collecting. 
I was told that they have to rebill my insurance company but that I may still be liable. I tried to explain that they are n't allowed to try to collect on a claim that was paid or denied through a participating insurance company as I had {$0.00} responsibility listed on my EOB. 
I called again this morning and let them know that I was going to follow up with my HR department and insurance company as they were n't following guidelines by threatening to send me to collections if I did n't respond within 30 days to their letter. I spoke with XXXX XXXX who told me that it did n't matter what my insurance company stated I owed them. 
I feel that this is a scare tactic and is an illegitimate way to collect money that is not owed to them. I wonder how many elderly or less informed consumers have paid them monies that they are not owed.
i received offer from 'Avant ' in the mail, for a loan. took {$4500.00} loan, terms were for 3 years, $ XXXX/mo. payments. After 12 mos. I wanted to pay it off. I had paid a total of {$2200.00}. They demanded {$3400.00} for a payoff amount. I wanted to clear up the bill, and that was the only way. The balance would have been {$2200.00}. They charged me an extra {$1100.00} to pay it off. They stated when I talked to them that my rate was 28.4 %. This makes it over 50 %. I know it was n't a great idea to get a loan under these circumstances, but needed the money at that time, and figured I could get it paid off within a year. They basically kept {$1100.00} interest during first 12 months ( said I had only paid {$1100.00} towards principle )
On or about XXXX XXXX, 2017, I paid, via check, {$6600.00}, as payment in full, to Bank of America via personal check drawn from XXXX XXXX XXXX XXXX. The check was deposited upon receipt and the funds were withdrawn from my account. Despite this payment, Bank of America refuses to credit my account. Instead, Bank of America assessed a late fee, sent a threatening letter, and provided misleading information to the credit bureaus re : my account.
I have been dealing with Diversified Consultants regarding this XXXX XXXX XXXX acct since last year in XXXX. I mailed letters asking for validation and verification to be sent and because they could not provide documentation with my signature they seized all collections efforts and deleted from all credit bureaus. I see that they have once again put that same XXXX XXXX XXXX acct on my credit without proof that this acct belongs to me. I want this acct deleted for the 3rd time and to stop trying to collect on an acct that isn't mines.