WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXX I sent a validation of debt to Wells Fargo about my auto loan that was charge off I was inquiring about the amount and etc. Wells fargo recieve the valdation letter XX/XX/XXXX on XX/XX/XXXX I recieve a letter stating they will get in contact with me nothing validating the debt so I sent a second valdation on XX/XX/XXXX letter giving them 5 business days to valdate the debt the receive the letter XX/XX/XXXX. It is pass the 5 bussines days so I ask them to remove the debt of my credit which they fail to do
On XX/XX/2018, I received a letter from a debt collector Phoenix financial claiming that a debt was owed by me to another debt collector XXXX XXXX. I responded with a cease & desist letter on XX/XX/2018 that they received on Friday XX/XX/2018. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The response I got back was a letter dated XX/XX/2018 of a debt verification notice which is not the proper procedure of a cease & desist in pursuant too the FDCPA, which is in violation of the FDCPA 15 USC 1692e ( 10 ) false and misleading representation {$1000.00}. The FDCPA is clear on a 15 USC 1692 cease & desist letter what is to be done. ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. As you will see in their response letter, Phoenix clearly did not do any of the following, they used false and misleading representations to try to collect this debt which not owed to them. I have never agreed to pay them which violates the Ohio Statutes of Frauds ORC 1335.05 which carries a heavy fine of {$10000.00} US. Furthermore, Phoenix furnished a deceptive form that is attached to this complaint, which violates 15 USC 1692j ( a ) {$1000.00}. As you will see in their response that they are not even registered to collect debts in Ohio, and by sending this communication through the mail it also has the following criminal violations : 18 USC 1960 Civil Rico {$10000.00} to each party including criminal charges ; 18 USC 241 Conspiracy against rights ; 18 USC 242 deprivation rights under color of law {$10000.00} to each party including criminal charges ; 18 USC 1341 Fraud and swindle, {$10000.00} to each party including criminal charges ; 18 USC 875 Interstate Communications with the intent to extort, {$20000.00} to each party including criminal charges. Phoenix Financial are using my Social Security Number with out my permission and that violates the SSA and the privacy act of 1974. I Have sent out a Notice & Demand to Phoenix today, XX/XX/2018, demanding the damages that owe me for this violating act which the total sum is quite extensive, and further, will file criminal complaints to the justice department for their criminal violations concerning this debt.
1. USAA is attempting to enforce a lien on a debt that they accelerated and cancelled. They are actively foreclosing on my home on the cancelled debt. I submitted a complaint to the CFPB, and they asked for 60 days to investigate. My home would be foreclosed by the end of that 60 days, so they are dual tracking which is not in compliance with the DOJ. 

2. They transferred the servicing of this loan to XXXX, giving the impression that they are the primary lien holder and giving the impression that the debt is valid. I submitted another complaint on both XXXX and USAA for this action for trying to collect a cancelled debt. My court date for the foreclosure is still set for XX/XX/XXXX, while both servicers still contend to the CFPB that they need time to investigate my complaints. Once again, I am in jeopardy of losing my home before that time expires. 

3. XXXX has just attempted a practice that you just recently imposed a $ XXXX for. They have threatened to impose forced place insurance on my home, add that expense to the canceled debt which is not valid, and I have an active and current policy. 

I have uploaded XXXX letter, a copy of my policy, and a statement showing that my policy is current.
On XX/XX/2018 I refinanced my home in Idaho. Statebridge Co. was the servicing company for my loan. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Co. XXXX. Phone-XXXX. I contacted them about one month after my loan was paid off to inquire about my ESCROW funds. I was told they have up to sixty days to return the funds but are usually returned within thirty days. After several weeks, I again spoke to them. They informed me they would open a ticket on the issue and would be in contact with me in a few days. I did not here from them. I spoke with them again XX/XX/2018. I was told my situation had been escalated and more tickets were opened to expedite the return of my funds. I requested to speak to a supervisor of which none were available. I cant pronounce the name of the person I was speaking with. But I was assured the supervisor was handling it personally and I would receive a follow up call in a few days. I called them again XX/XX/2018 with basically the same scinerio. I called again and spoke to XXXX who mimicked the previous contacts. 
The company did not pay my insurance in XXXX nor have they paid my taxes which were due XX/XX/2018. They have far surpassed the deadline to return my funds. Please help. What accountability can they be held to.
BB & T bank unfairly and fraudulently charge my account XXXX dollars in overdraft fees XX/XX/2018 claiming they process 3 Echecks that I'll have written. What bank processes Echecks in less than 15 hours and this 15 hours is the time frame I need the Consumer Financial Protection Bureau to look at, contrary to what this bank would tell you or me BB & T has never processed a Echeck in less than a 15 hours or one day period. I'm asking you the Consumer Financial Protection Bureau to look at BB & T BANK forensically concerning how and who are being charged overdraft fees and their procedures processing Echecks and you would see it's always a 48 hours procedure with BB & T bank. BB & T bank has fraudulently took this XXXX dollars out of my account operating out of the norm of the way they normally do business concerning Echecks and processing them. This is nothing but greed for the soul purposes of showing quarterly profits for BB & T bank and to benefit the shareholder. Example : I have money that should be in my account right now if they were processing Echecks at the end of each business day but that is not the case, any money going in or out of any account with BB & T bank electronically is not going to be processed in no one day. BB & T would tell you or me it's in their bank service agreement. BB & T personally told me the XXXX dollars they took out of my account for overdraft fees is their money and that's the end of the story. Is it fair no it's not.
On Friday, XXXX/XXXX/16, I called Quicken Loans about a potential refinancing of my existing mortgage. I explicitly told the representative what I was looking for, the term of the loan, and the minimum cash out amount that I needed ( {$140000.00} ). I told him that if the cash amount I needed was not possible, I would not be interested in refinancing since it would not serve my needs. He stated that I would be able to get the amount required, perhaps about {$5000.00} - {$7000.00} less ( which I did not object ), and the rate would be 2.99 %. He then said that he needed to " profile me ''. I told him that I would be ok as long as the cash out amount and the rate were accurate ( emphasis on these conditions ). After he ran my credit, he said everything was fine and I would be receiving a good faith estimate shortly. To my surprise, not only the cash out amount was substantially lower - {$120000.00}, more than {$20000.00} less than what I required! - the 2.99 % rate required more than 3.5 % in points, which he did not disclose! I emailed him back twice and received no response. I feel that I was cheated during the process so he could run my credit score and initiate the application, most likely because his compensation is tied to those metrics. He should have disclosed the points and Quicken Loan 's experience in this industry should have been more than sufficient to give an approximate cash out amount based on the closing costs, at the very least that the amount would not approximate my desired outcome.
My account is negative because of an XXXX and I need to add money and XXXX XXXX wo n't let me
In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.
I moved and did not receive statements at all from capital one, I have asked and signed up and still nothing. I was charged a late fee in XX/XX/2018 and the company will not refund it, even though they dropped the ball and didnt send me the statement as requested and i even called. please refund me.
I am trying to get a refund from my deceased brother 's Kohl credit card. I closed the account on ~12/23/16 when he passed away. On  XXXX , I found out there is a credit balance of  XXXX  {$740.00}, and I was told to fax the power of attorney document, his death certificate, and a letter explaining that I would like to request a refund to a fax # that they provided.  XXXX  months went by, I did n't receive a check. I called back on  XXXX  & was told to fax the same doc. to a different fax #. Nobody contacted me despite I put my contact # on the cover page to tell them specifically to call me & let me know once they receive the documents & the doc. are indeed what they are looking for. After faxing my doc. to different fax # on  3  different occasions, I contacted the president Kohl office ( corp. office of  Kohl   )  and told them about the frustration of faxing the same doc. over & over again, and they always tell me that I should have faxed over to a different fax # instead. This lady from corp. office is no help either. She just gave me a phone # and asked me to call them to find out what 's the fax # to fax over the executor of estate document. The phone # that she provided is a voicemail, and all I can do is to leave a voicemail. Of course, nobody ever called me back. I tried to call back the corp. office & told the lady that I had no luck in obtaining a fax #. However, this lady did n't return my call either. Customer service is bad from phone center all the up way to headquarters. I then called customer service again today & they told me to fax over the executor of estate doc. to yet another fax #. They said the document I faxed over is incomplete. When I asked what part is incomplete, the rep. just told me to just fax over again. By now, I have faxed the death document, my driver license with my full name, DOB, current address, my brother 's Kohl credit card #, his last  4  of his SS #, his DOB, his Last Will and Testament ( to show that I am the personal representative of his estate, and the trust info to show that I am the trustee. I do n't know what else can I do at this point. If there is no activity on the account since   XXXX   by now, should n't the refund be automatically processed by law? I am being abused by their customer service. Every time when I called them, they asked me who I talked to, what is the fax # I used, and the dates that I fax the doc. I felt like I was being interrogated ; handling my deceased brother account is emotional and frustrating. Of all the credit card companies that I dealt with (  XXXX ,  XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX , I did n't encounter any problem except KOHL. They keep on giving me this runaround and tell me to fax over my sensitive doc . ( DL  's #, SS #, address, my brother  's Will etc ) t o different fax #. I waste at least  30mins  each time I call, and the end result is still the same, namely " you need to fax your doc. to THIS  FAX # ).  I am beyond frustrated and I 'd like you to help me and let others know how  Kohl  treat their credit card customer.
" " '' I have disputed this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX   have Deleted them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Opened car loan in  XXXX   XXXX . Auto was totaled  XXXX   XXXX . Called to get payoff amount for loan, was told {$6000.00}. When the insurance check came, called back to get exact amount to pay it off right then, was told the payoff amount was {$7700.00}. When asked for explanation, I got nowhere. Supervisors were always busy. This quote is documented in my acct, calls are recorded.   Bought a new used vehicle based on the first payoff amount I received.
I refinanced a loan with Mr. Cooper/Nationstar in XXXX of XXXX. The original mortgage was also with Mr.Cooper/Nationstar and had been opened in XXXX. The refinance process went smoothly and I had n't had any issues until recently when it was discovered that I still have two outstanding liens on my home ( 1 for the original loan in XXXX and 1 for the refinance in XXXX ). The paperwork for the lien release was either never submitted or never recorded. 
I am currently working on a HELOC with another bank and they found the 2 liens on the property and can not approve the HELOC until the first lien is released. I have called Mr. Cooper at least 5 times now and have been told conflicting information with each phone call. Here are some of the things that I have been told : -We do n't show the original lien still on the home so the customer needs to research this on their own with the county recorder -Mr. Cooper emailed me a copy of  the lien release and told me that I could take this down to the county recorder and submit it for release ( did not mention that there is a fee for this which I should not be paying for. I also wasted time going down there because the county will not take a copy of the document ). 
-Told multiple times that the issue had been escalated to the lien release team within Mr. Cooper and nothing has happened -Told that I would get an official document in the mail multiple times and never received anything -Told on XXXX/XXXX/XXXX that it is the customer 's responsibility to submit the lien release when the refinance goes through ( that the mortgage company never does this ). However, I looked back through emails and found an email from Mr. Cooper in XXXX saying that the lien release was in process and they would submit to the county.
-Spoke with the county recorder and they said that the mortgage company could send an 'electronic ' version and it would be recorded the same day. However, then spoke with Mr. Cooper and their representative told me that Mr. Cooper does not do electronic versions and they sent a copy in the mail to the recorder 's office on XXXX/XXXX/XXXX and it could take another 5-7 days to get recorded. 

Overall, I am angry with all of the conflicting information that I have received from Mr. Cooper and its overall lack of assistance to get this item fixed. During the refinance process this should have been handled by the company, however, they have since told me that ( 1 ) it was my responsibility to submit the lien release ( lie ) and ( 2 ) that I should take the documents down there and submit them ( requires me to pay an additional fee ). This should really be a quick fix but has delayed my HELOC for at least a month now and maybe even longer.
XXXX XXXX XXXX, has Fail to validate at my request on XXXX/XXXX/2015 there is no date of last payment, and the amount owed is incorrect.
All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
In XX/XX/2018, I sent a payment to Chase for {$100.00} before a statement was sent to me as this is a very new account just opened. I placed my name, address, first and last four numbers of the new account on the money order as well as enclosing a copy of the new credit card with the entire number. Unfortunately, my payment was placed on another person 's account. After calling and calling to check on this payment, the payment was found and finally credited to my own account. Then the next time I called Chase to check this payment status, I was advised that my address that I gave was not my address because another address was on this brand new account. This was not true, the address I submitted on the new account is the same as my current address. Lastly, it appears that I was charged twice for a XXXX XXXX membership on my XXXX XXXX Chase Credit Card and on my XXXX in store account. Thus, I requested this refund of {$13.00} for the XXXX membership. As a result of all of these errors I reported this to the Executive Office of Chase Card Services who initially refused to call me back after the initial request to investigate these issues and was told that a credit of {$13.00} was being placed on my account for the inconveniences. However, the {$13.00} credit is not for the inconveniences but for the dispute in process. The Executive in the Corporate Office of Chase would not transfer the call to her superior or allow me to leave a voice mail message. Mistakes are being made on my account over and over within such a short period of time and the contact person does not wish to credit my account for the events that are unacceptable. I have spent hours and hours attempting to correct these mistakes and requested only a {$50.00} credit for my time and assurance that these errors would stop.
I did not give permission to pull my credit report from Equifax from the companies below. I reached out to creditors via mail and left messages. NO RESPONSE. 
Please REMOVE ASAP XXXX/XXXX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX Credit Information Dept XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Creditor Contact Information XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
On XXXX XXXX, 2015 I was online trying to book some tickets XXXX. When I went to purchase the tickets and try to use my bluebird XXXX American express XXXX credit card number the transaction was declined. I then had to use another credit card to purchase the tickets. A few minutes later I went to pay something with my bluebird card and was denied again. I logged in my account and found that the transaction for the tickets XXXX was pending and taken out from my bluebird balance. I called American Express and they told me to call XXXX and that they would reverse the transaction. I then called XXXX and was told that they are not allowed to reverse transactions that bluebird had to put the money back in my account. After an hour of back and forth I was told by XXXX Employee No : XXXX ( manager from bluebird ) that they could not put my funds back in my account until XXXX working days, How could they hold my money for XXXX days for nothing that is my fault. Who is making the interest on these funds while they are in pending transactions. Is this legal?
In XX/XX/XXXX, I obtained a loan from OneMain Financial. I made biweekly payments in the amount of {$92.00} for an entire year. In XX/XX/XXXX, I signed up with a debt consolidation company which then reduced my payments to OneMain to $ XXXX monthly, in which OneMain agreed with. In XX/XX/XXXX, I notified OneMain that I had satisfied my debt consolidation and would like to begin making payments on my own ( instead of giving money to the debt consolidation to pay my creditors ). I established biweekly payments with OneMain in the amount of {$76.00} for a total of {$150.00} a month. At this time my balance was {$4700.00} after 3 months of making payments, I noticed that my balance did not budge. I emailed and called OneMain about this and they claimed that they would update my balance. XXXX I sent OneMain a certified letter requesting that they provide me with the correct balance owed or I will stop making payments. They never responded to my letter and did not update my correct balance owed and have now filed a Warrant in debt judgement against me. I plan to fight this judgement as they are claiming an incorrect balance owed. I have read plenty of other complaints against OneMain of the same tactics.
XXXX XXXX XXXX has a collection listed on my credit report for XXXX XXXX XXXX XXXX. I was a victim of Identity theft in the XXXX Breach. I filed an affidavit and sent copies to all three bureaus in XX/XX/2018. I have called XXXX, and Experian repeatedly, and disputed the error, I have emailed/ faxed them to their company as requested a copy of my supporting documents " affidavit, and have gotten no response to the emaile/faxes, and rude, offensive customer service, regarding my complaint / dispute. When I call. I have also called, XXXX, and Experian. Neither XXXX, nor Experian have corrected this on my credit report. I have disputed this with each, with no correction. XXXX was also informed of the fraudulent account/ collection, and immediately removed it.
I applied for a mortgage thru XXXX, affiliate of XXXX to purchase a XXXX home, I submitted a {$10000.00} deposit to XXXX. The loan was not approved due to the sale of my current home not going thru and I have since been denied the return of my {$10000.00} deposit from XXXX. See communication from XXXX, XXXX, XXXX # XXXX Phone # XXXX