WillisBack/dataset-financial-user-claim huggingface dataset:
Wakefield and Associates at XXXX XXXX XXXX in XXXX Tn is trying to collect 2 debts from me. They are both medical debts. One is from XX/XX/XXXX and the other from XX/XX/XXXX. I had originally made a couple of payments to lower the balance owed to XXXX XXXX XXXX. They sold the debt to Wakefield. Once Wakefield received it, they called me multiple times a day. Once I answered and told them that I would pay what I could, when I could. I never agreed to a set amount. There was one month when I couldn't make a payment due to low hours at my job. After that, they sent me a letter stating that I broke my promise and that they were then going to start charging me interest. I never agreed verbally, or in writing, to pay a set amount. I mailed them a letter requesting copies of the original contract to try to verify if they can legally charge me interest. Under Georgia state law, they must provide me with the original contract that I signed. They failed to do that. Instead, they sent me a statement for each account. In the statements, it shows the original balance, as well as payments that I made. They included a separate paper that shows the amount of interest they have added. They can not legally charge me more than I owe, unless I agreed to pay it in the original contract. They also refuse to send me the original contract, which is a violation of Georgia State Law and Federal Law. I have made them aware of the laws they are breaking, but they insist that the debt is valid and that I have no case. Georgia statute of limitations on medical debt is 6 years for a written contract, and 4 years for an implied promise to pay with no contract. One bill is from XX/XX/XXXX, and one is from XX/XX/XXXX. They continue to drop my credit score each month when they tack on more interest. This is clearly illegal and it needs to be stopped.
On XXXX/XXXX/XXXX, I had an amount of {$170.00} taken out of my account by XXXX XXXX XXXX. I called them to have the charge reversed, but they threatened legal action over an overdue payment of {$250.00}. They threatened to have papers served and to have me charged with fraud.
I applied for PSLF and selected my preferred plan ( and only plan that I wanted to be placed in ) as PAYE. This was in XXXX 2017. I submitted all of the required documentation. I had not heard anything for over a month. Then I submitted a consolidation application. After that, I had a payment that became due ( after my grace period ) for XXXX on the standard repayment plan ( for over {$2000.00} ). I chatted with a rep at XXXX, who said that my consolidation application is what put me in the standard repayment plan, and that I should delete my consolidation application to be put in PAYE in time for my  payment due date. So I did that. 

Then I still remained in the same standard repyament plan, owing over {$2000.00}. I then received an email that I was not in a good repayment plan for PSLF as I would have nothing forgiven ( if I continued to pay in the standard repayment plan ). So I called XXXX to discuss in person, and this time they told me that when I deleted my consolidation application ( as I was instructed to do, because I was told it placed me in the standard repayment plan ), that my PAYE request was deleted ( even though I had applied for PAYE separately and months prior to my consolidation application ). 

So they told me that they now have to re-process my application for PAYE. I still have a payment posted for over {$2000.00} on XXXX ( in one week ). But they told me to just ignore that and not pay it, as once my application is complete it will un-do the previous payment that was required, and that they do n't report people for deliquency until 90 days, and that my app will be complete by then so I will not have to worry.
I mailed a Multip le Inquiry Removal Letter  on  XXXX   XXXX  by certified mail in order to dispute information in regards to  XXXX  hard inquiries that were being reported on my credit report. They received the letter  XXXX   XXXX ,   XXXX   and they completed the request on  XXXX   XXXX . The request that I submitted included  XXXX  hard inquiries that were not factual and I receieved the same response for all inquiries which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. ''  According to the FCRA Rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigated and if you do not investigate and respond, the CRA must delete the dis putes information from its files. The fact that I received a response 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries.
As of XXXX 2017, the credit bureau, compromised many Americans personal information and just recently released this finding to the public. I am filing a complaint to ensure that not just me, but those that have been effected, get their lost or stolen identity back.
My Walmart store card was lost and used without my permission. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for like XXXX and something or like XXXX and something for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. I have cooperated and done everything they asked me to do.
I contacted Caine and Weiner - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX to discuss installments to take care of an old and disputed ambulance debt. In setting these up, I happened to ask about a settlement cost. The kid put me on hold to talk with his manager and then returned to tell me that a " settlement '' of the debt could be attained for {$920.00} and change. While this was a hideous amount for me to budget, I agree to use my XXXX XXXX card to do so. I was told the " settlement '' information would get to the credit bureaus in about a month. I checked the bureaus and they show a balance demanded.
TransUnion has companies that I lave listed 2 times that I did not apply on hard credit nor can TransUnion prove or has TransUnion provided any documents or credit applications under hard credit to prove I applied for companies I never herd of or applied by my signature. Futher more transunion does not address the issues of Credit companies that ran my credit without my permission nor can TransUnion provide any substance to back that companies ran my credit illegally with out my permission. I have provided Transunion 2 times with no clear answer to prove on there part I sign or applied for the companies I have listed 2 times. Its nothing but fraud on TransUnion part with no proof. As to soft inquires I have opt out of all promotional inquiries as to TransUnion keeps selling information and violating my rights after sending letters U S Certified to transunion back in XX/XX/2016 tostop selling or market  me for profit after I opt-out time aftewr time which is my right.
Re ; XXXX. When I tried to opt out of receiving ads by properly filling out the online form, I was not allowed to proceed. The information was correct. I did this multiple times, to no avail. Very frustrating!!!
Hello, My account has recently been taken over by Loan Care. I can not get in contact with them. I was able to speak with them one time, but nothing after. I received some tax bills and, since my taxes are in escrow, I wanted to know if they are paying these. I've been trying to find this out for weeks. They will not answer the phone and then their automated system hangs up on you. Also, I can not seem to access the website. Please help! What should I do? My taxes will be late if I do not find out this information. I'm helpless to them as I did not sign up with them, my loan was sold to them and now I can not seem to do the business that I need to do with them.
XXXX times per day, sometimes several different phone numbers even if just 1 day late.
I had never received a call from Wells Fargo Dealer Services to let me know that I 've been paying the previous month every due date. They 've been adding up lots of late payments fees for months. I even thought my loan payment was actually the amount I 've been paying so far. Even though this had been happening for months and nobody had contacted me I 've been paying my car 's loan every month and I have proof of such monthly payments. My last payment was on XX/XX/XXXXXXXX and the next payment was XX/XX/XXXX, 29 days later and Wells Fargo Dealer Service reported my account delinquent for more than 30 days. I need them to fix this problem right away.
I have paid my mortgage down to 78 % of the home 's original value. The lender should remove my mortgage insurance automatically. The lender is telling me that I need to get an appraisal done. I should not need an appraisal. They will not allow me to speak to the person making the decision. Specialized Loan Servicing. Not very specialized.
On the morning of XXXX/XXXX/XXXX I learned, via The XXXX XXXX that Equifax experienced a data breach starting in XXXX XXXX lasting until XXXX XXXX that included significant personal identifying information, including social security numbers and credit card numbers. I subsequently learned that they had set up http : //www.equifaxsecurity2017.com/ and used that website to check if my data was included in the breach. 

According to the website, they thought I might have been. I tried to make sure I had not agreed to their arbitration clause and did not sign up for their " free '' credit monitoring program, and mailed them a letter to that effect. I expect it to be postmarked XXXX/XXXX/XXXX. 

I also called XXXX to initiate a 90 day fraud alert. The call was placed at XXXX PM on XXXX/XXXX/XXXX from my cellphone and lasted 3 minutes and 49 seconds. 

I have been told that I should freeze my credit, but also that it costs money to do so, as well as to later thaw it, and that I would have to do so with Equifax as well as XXXX and XXXX. This is unacceptable since Equifax is responsible for losing my data. 

Additionally, Equifax did not notify me that they had a breach, and they did not publically announce it via press release until well over a month after it happened. Their equifaxsecurity2017 website looks like a phishing scam and has a forced arbitration clause as well as a class action waiver in its terms of service, and it never presented any such terms to me nor did it ask if I agreed to them, rather I later learned of them via social media.
I receive my social security XXXX on a master card from direct express. Which is an approved method from social security. On XXXX XXXX 2015 my account was wiped out. somehow, someone in California accessed my account and charged {$1500.00}. I discovered this on XXXX XXXX 2015 When I went to make a purchase at XXXX XXXX in my hometown of XXXX XXXX. I immediately called direct express & I was informed of these charges. I was told there was some type of a hold on the money & after XXXX XXXX I could get my money back.Nothing further needed to be done on my part. I requested a new card, which shut me out of the online service to see the charges. My new card came in the mail on XXXX XXXX. I got online to see that charges were still there. So i called direct express again & i was transferred to the fraud department. I was informed that I had not spoken to their dept. i was told they would mail me some forms to fill out. I went ahead & sent my own statement, contesting the charges as fruad. I received their forms on XXXX XXXX. Subsequent calls to direct express have not be addressed. I called Comerica bank which in on the card. I was told they only make the plastic. Direct Express has informed me that it takes up to XXXX days after receiving my dispute of the charges to give me a provisional amount. If approved., and the investigation could take XXXX days. And that if i was n't approved for a provisional amount it would take XXXX days to return my money. I can not pay my bills because of this fraud committed against me. Direct express has given me a run around and is not specific about my money being returned. I have filed a police report with the XXXX Police.
I have posted {$140.00} dollars overdraft fees on my account. I have money in my account to pay for the charges that were returned a day after my deposit posted. Can I have a reversal in the fees? I also have 2 overdraft fess in the amount of {$72.00} do to XXXX XXXX charging me three times for same transaction. Can i please have this amount returned to my account?

The company is charging fees after deposit posted is enough to cover any funds. banks does not respond to any request via email.
XXXX XXXX continues to report inaccurate information on my credit report with Equifax, XXXX and TXXXX  without sending in proper documentation as proof that the account is in fact my debt. This is a direct violation of section 609 and 611 of the Fair Credit Reporting Act. The credit bureaus fail to protect me as a consumer and do not follow the proper guidelines in place to verify debts on consumers credit file.
I issued a statement to the CFPB regarding Discover Card, to which they launched their own " investigation ''. Well, a shameful and despicable company investigating its own conduct is like me robbing a bank and then being put in charge of the robbery investigation! 

My initial case was assigned to XXXX XXXX, who is every bit as deceptive as this company. First, I have RECORDED CALLS of her saying that while this issue is in dispute, I would not be charged any late fees. Sure enough, I was charged late fees. Second, the " evidence '' she submitted had the wrong address on it, which was part of the initial complaint. Third, she said that the harassing collections calls from " spoofed '' would stop immediately, to which they didn't. I received another three collections calls from your spoofed numbers within a 48 hours period.
Someone has claimed that I rear ended them. But I was not in an accident o, the day they said it happen. Also there is no front end damage done to, my vehicle. There is no police report or any report at all. They supposedly only have a photo of my drivers license. Which anyone could have, as I am a XXXX and work in major company 's buildings. We also have proof that my car has no front end damage done to it. Also this car was hit by a drunk driver over a month ago, and was declared a total loss. So again there is no proof of any wreck. And we want this issue resolved. Thank you
My vehicle was totaled by my insurance company due to extensive hail damaged. When I contacted my lender, Regional Acceptance Corp, I was told that the GAP policy would cover the remaining balance after my insurance company paid a settlement to the lender. The GAP did not cover the full balance because, as I was told, it did n't compensate for extension processed on the account. I did not receive any disclosures indicating such, and this could 've altered my decision to accept an extension on monthly payments that I fell behind on. Therefore, I 'm requesting that the deficiency balance be waived by the lender, and all negative credit impacts be removed from my credit report to reflect that the loan is paid in full. I feel taken advantage of because of this and the outrageous interest rate given to me.
For some time, I have been having tremendous problems with American Express Serve I can not get anything put into dispute, no matter the situation. The customer service representatives are rude, disrespectful, and adamant about not doing their jobs, despite the fact I am NOT being rude to them. For instance, day-before-yesterday, I called to put some items in dispute - charges I did not recognize. I spoke to XXXX, who immedIately said she would review my account. Go over the entire account! XXXX!!!! Just because I wanted to dispute items? What does XXXX have to do with the other??? She was disrespectful - and told me she needed to transfer me to account protection. XXXX is a supervisor. You 're telling me that she does NOT have the power to dispute charges and needed to transfer me? I want HER FIRED, because of rudeness and dereliction of duty! I want the abuse from Serve to stop. I have already made the decision to leave and are waiting to get my new pre-paid card.
I was flying back home from XXXX XXXX and due to traffic I arrived to the airport only 45 minutes prior to the flight departure. My reservation was made with XXXX but the first flight out of XXXX XXXX was on XXXX XXXX XXXX that is a partner of XXXX. XXXX XXXX XXXX refused to accommodate us on the flight or to give us any other option and directed us to call collect XXXX. 

XXXX gave us some flight options that all cost more than the ticket itself slamming XXXX XXXX XXXX for the cost. One lower cost option was to fly the same night and the representative quoted us a total of {$660.00} for our reservation of two. I even confirmed that total amount before giving my VISA card number to be charged. 

A few days after returning to the US I saw two charges of {$660.00} each instead of one. I called XXXX and they were very defensive stating the representative meant {$660.00} per ticket and that is right. I challenged them about the charges but they totally refused to drop one charged and provided some electronic vouchers instead. 

So I turn to my VISA card thru Chase to dispute these charges. What I heard back is that they checked with XXXX and the charges are valid and I have to pay. I resubmitted a new request explaining in detail the circumstances and emphasizing the fact that I did not authorize a second charge of {$660.00} and XXXX should be able to check the recordings of my conversation with their representative. In the end I received another letter from Chase stating that " While you may have a valid complaint with the merchant, the results of our additional review confirms that the transaction is valid and no billing error occurred on your account ''. There was no details of what exactly they reviewed and how. 

Since these charges were never put on hold while Chase was conducting the investigation I felt that I have to pay them in order to not accrue interest charges. Honestly I feel robbed by Chase VISA card for not supporting me in a charge that i have not authorized. There must be a recording of my conversation with the XXXX agent to prove I am right but neither XXXX or Chase want to pursue that path. Maybe because my card is a XXXX XXXX XXXX Chase VISA card?
Where do i begin?
for years i have been applying and asking for a modification on my home. for years i have been denied for whatever reason given. when OCWEN finally decided to offer me a modification my payment when   XXXX   XXXX   dollars higher!! as long as i know a modification and asking for an affordable payment does not mean allowing my payment to go higher almost twice as much as it already was. calling in today with OCWEN i was told that my house went to sale at   XXXX   XXXX   ET time. and that the sale date was scheduled on  XXXX - XXXX -2017 since  XXXX - XXXX -2017 there were 2 conversations, one on  XXXX - XXXX  &  XXXX - XXXX  where i was lied to and told that there was no sale date scheduled. Listed below are the representatives that were spoken to and the comments date and time. please contact OCWEN and have then pull the conversations so you can hear for yourself that we were advised that there was not sale date scheduled on property.
 XXXX / XXXX /2017,   XXXX   XXXX   NOTE [ n ] - LENDER CALL : OCWEN SPOKE WITH :   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A  XXXX / XXXX /2017,   XXXX   XXXX    NOTE [ n ] - LENDER CALL : OCWEN   XXXX   SPOKE WITH :   XXXX   XXXX    XXXX  IN HOME RETENTION FORECLOSURE : HOLD SALE DATE : N/A I recently received a notice dated for the month of  XXXX  that i had the opportunity to appeal the denial and within a matter of 2 weeks my home went to sale. why would i be given the opportunity to appeal a decision to keep my home and be foreclosed on at the same time. i really need help to get my home back. this is not fair. i am a minority and an immigrant, a hard working tax payer. i did not want this to happen to me.
the following representatives denied any assistance and were lying to me about the conditions and all details of the account  XXXX   XXXX  - Refused to transfer me to management.
  XXXX   XXXX    XXXX  is manager she eventually transferred me to lied by saying could not escalate.
  XXXX     XXXX  lied repeatedly about how to escalate.
At this point i need all the help i can get in order to get possession of my home once again.