WillisBack/dataset-financial-user-claim huggingface dataset:
Wakefield & Asscociates were collecting a medical debt that I have been unaware of due to mailing issues with a super long address. 
How Wakefield & Associates mailings got to me, I have no idea.

Billed 4 times for 4 different accounts on XX/XX/ and stating " .... a one time offer to pay 50 % of the balance by XX/XX/ and your financial obligation will be completely fulfilled and will notify credit reporting agencies that your accounts have been paid in full '' I did pay them on all 4 accounts the full 50 % agreement amount on XX/XX/ to satisfy what Wakefield & Associates requested.

After Wakefield & Associates had cashed all 4 orf my checks, they then sent me a letter on XX/XX/ stating, " Thank you for your recent payments of {$1400.00} received on XX/XX/ ... ... .. 
Please call our office to make arrangements to pay the remaining balance of $ {$1500.00} I did file a dispute with XXXX  Credit reporting agency and that is still under investigation in which I submitted the same supporting documents as I am to you.

As you can see in Wakefields own mailings, they ALSO did not include apartment # 12 in the address. So its a XX/XX/XXXX if I get mail or not apparently since these got to me but others haven't. 

I have made good on other accounts in collections because of same issue and did not have any problems with those companies. 

I am writing this complaint because it is " Unfair Business Practices '' and " Breech of Agreement/Contract ''. I feel bad for the elderly who may wind up double billed from unscrupulous  companies. 

Supporting documents attached including cashed checks
We sent a Qualified Written Request to a servicer and Trustee who seem to be committing ro-bo signing who has refused to produce original documents and is in violation of it consent orders. We remove the companies power of attorney in 2012 for fraud and XXXX XXXX has settled for violating the fair housing act and and they continue to try and take our property under the color of law. there are so many more things that they are in violation and I am asking the CFPB with the laws they are violating. the reason for this complaint goes much further than th
Sunday night the XXXX of XXXX when the process server asked for me at my apt., upon my flatmate XXXX XXXX refusal of acceptance the process server said " XXXX is being sued by XXXX XXXX XXXX '' and the process server dropped the stapled summons ( no envelope ) face up flat on the doormat. 

AGAIN : Improper contact and sharing of info. My flatmate was advised of the content by the process server and had opportunity to read it. XXXX now is concerned I can not pay the rent and is planning to move out into a more stable living arrangement depriving me of needed income. This is a tort of economic interference.
I received a response in regard to complaint ID # XXXX, thank you. However, I noticed it claims I currently have a balance. The account was closed, please refer to attached and forward. Thank you ... When will this nightmare finally end???
I received two AmEx prepaid cards as a gift recently. Card number XXXX with a balance of {$150.00} and card number XXXX with a balance of {$200.00}. I attempted to use these cards to pay a bill in amounts equal to the value stored on the two cards and the transaction was declined because the merchant first authorized the card for {$0.00} each leaving the available balance short by XXXX XXXX each. 

I called customer service and asked if they could temporarily add a XXXX to each card so that my transaction would go through and they said that was not possible. They then asked me to reduce my transaction amount by XXXX cent - which would have worked but that would have let AmEx keep XXXX cent on each card - multiply that by millions of cards sold and that's a tidy little profit that AmEx is fraudulently pocketing at the expense of gift card holders.
This complaint is in reference to case numbers XXXX and XXXX. You do not have a functionality for the consumer to upload documents after a compliant has been submitted. So, I am submitting a third complaint to be able to supply all my documentation. Please review the attached documents as well as the cases referenced above.
Calls non stop starting from XX/XX/XXXX to XX/XX/XXXX with multiple calls to my employer after I told him on XX/XX/XXXX to stop calling me and my employer. I stated " You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. " He then proceeded to call me back and left the following voice message which I have saved. 

" XXXX XXXX, XXXX, contact XXXX in your human resources department, she will give you a update, good luck to you '' Call comes from :XXXX File Number XXXX Sounds like a XXXX XXXX. I have voice messages saved. 


Email received from employer : From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX Subject : Heads Up Hi XXXX Just a heads up Applied Resolutions Group left me a vm regarding a XXXX XXXX XXXX I looked them up and they are shady. 
I didnt get a name, but the number he called from was XXXX. 

http : XXXX https : //complaintsdatabase.com/complaints/index/Applied+Resolutions+Group I dont intend to call them back, but I do recommend telling them that you can not accept these calls to call the office. 

You can stop debt collectors from calling you at work fairly easily. Simply tell the debt collector that your employer doesn't want them calling your job or that you're not allowed to receive personal calls at work and they are legally required to stop calling you. 

For me Your employer can not legally refuse verification of employment status to a creditor. However, they are not required to include any additional information beyond your job status, location of employment, and current insurance benefits XXXX if your debt is medical in nature ). 





Thank you, XXXX XXXX Ph : XXXX XXXX Fax : XXXX XXXX
After lowering my credit limit which left me over the credit limit I called to close the account. Before closing the account I want to discuss lowering my rate? Was told to close the account XXXX and then I would be transferred to that department after being transferred I was told since the account was closed the rate could not be lowered?
I am requesting my free annual credit report and it only let me access my XXXX report. It would not pull up or let me access my reports from either XXXX or TransUnion.
I called American Express on Monday to see why my card was declined, as I had enough funds in the account to cover the transaction. I was informed that because I no longer had the debit card that was linked to the card that they were suspending my account. They said since I could n't verify it was my debit card that was linked they locked the account and there was no way to get it on locked. they also said since they have locked the account, I will not be able to get my money back that I have in the account. I asked them if they can just delete the card from the account, as I could n't do it as they have locked me out of the online account. and they said that they could n't because the account was locked and I was never going to get my money back. I said at this point, I just want to closed the account and have you send me a check for the funds that are in the account, they informed me that they could n't and would n't do that ever.
XXXX. In 2013 I had renters staying in my home for 3 years. When they moved out I needed time to get the place ready to re rent. I chose to do loan modification. Because I am a XXXX XXXX. My husband and I needed to clean the place mow the lawn spray for termites and fleas as it was infested and paint. a company was hired by XXXX called altisource solutions. They broke into my home, they broke sliding glass doors to the kitchen, theback sliding glass doors, the front door, and broke the locks both regular lock and deadbolt off the door and replaced the regular lock and a lock box. This make the property less secure. Once inside they left a sticker on the window and when we called the number had been disconnected so we called the police. They started charging fees. Meanwhile we were in the middle of going through a mortgage renegotiation because it was so high. The home was not vacant nor was it in foreclosure and they had no rights to the property. For 2 years we have been asking to get this resolved! We filed a police report. We called many times only to be told to call and speak to our " relationship manager '' which is a joke as we have had so many of those we cant count. They have added and refuse to remove their " Maintenance '' fees which they never provided any maintenance. Today altisource called stating they tried to contact us in XXXX of 2013 by mail. ( never happened ) and gave me crazy off the wall phone numbers they said were supplied by us LOL! ( I know my own phone numbers and they have n't changed in 2 years ) Yesterday the guy called me and asked if I was the guy who was supposed to be helping me from XXXX. When I said excuse me? He said oh " this is n't XXXX? I do n't think I sound like a XXXX .... He offered to fix the damage and add it to my loan. Can you imagine? His company broke my property and he will buy materials and contract to fix it and charge it to me to pay for so I get XXXX twice. What a happy ending. I pray no one ever has to deal with XXXX or altisource solutions as they wolves in sheeps clothing pretending to be helpful all the while and XXXX as soon as you turn around.
Specialized Loan Servicing LLC has forwarded a 1098 Mortgage Interest Statement without providing proof of chain of custody. 

SLS on the attachment is misrepresenting this unmerited debt by stating that my balance is {$13000.00}. I am confused about these statements from SLS stating I owe them because they are my creditor per the documents attached. I never executed documents with SLS. 

Most importantly SLS refuses to furnish documents of ownership thru chain of custody. 

I can not and will not include these documents and number on my tax returns. I DO NOT OWE THIS DEBT STATED AND SLS AND AFFILIATES DO NOT OWN THIS DEBT. 

SLS and affiliations has placed a lien on my property without any standing to do so.
Nationsta mortgage will not give me or peoples bank payoff amount so I can refinance my home.
I have an American Express Blue Cash back card. I have n't been receiving any cash back for 7 months. I first contacted Amercian Express on XXXX XXXX. They said The issue would be fixed in 30 days. It was not. I then called back XXXX XXXX and they said the money would show up at the end of the billing cycle. It did not. Today, I reached out again and spoke to XXXX with employee number XXXX. He said he could not give me a time frame for this to be fixed. I purchased an engagement ring as well as many other wedding related purchase and need the cash back to continue funding my wedding!
After 6 months of billing with the Best Buy Citi Bank XXXX, I noticed the " EHN DEBT PROT '' charge on my statement. 

I was charged {$150.00} in 2016, and XXXX this past month ( See Attachments ). 

This is deceptive marketing/enrollment purely engineered to hurt those that set up auto payments to pay off promotional balances based off total charge divided by the term of the promotion. I now have to increase my payment. I WANT A REFUND! 

I 'm disappointing in Best Buy for allowing this, I did see there has been a previous lawsuit and settlement. Clearly this behavior is still going on!
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF MAILINGHunter WarfieldXXXX XXXX XXXX XXXX. 
XXXX, XXXX XXXX : XXXX XXXXAccount Number : XXXXDear Sir/Madam : I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act. 

I dispute this debt because 1 ) I do not owe the debt and 2 ) I never received the item or service for which I am being charged. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Aside from verification of the debt, do not contact me about this debt. The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. 

Sincerely, _____________________XXXX XXXX : Federal Trade Commission - Consumer Response CenterXXXX XXXX XXXX Department of Consumer Affairs
We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.
My daughter was XXXX from XXXX XXXX but it was n't working for her. They blocked her from furthering the program because I was not financially able to make the asked payments. I told them about my circumstance more then once. They wanted to work with me on smaller payments but I just could n't afford it. My daughter couldnt use the system to study anymore so, I do n't agree to making any further payments to account she no longer was able and blocked from using. It is not fair for them tell me she would be able to excess her progress after payments. But still charge me for something she was no longer able to use.
Equifax , Inc. failed to secure my data. It was stolen and now I am at risk of having my financial identiy used to ruin my credit status.
My situation involves the Equifax data breach. I entered my information to see if I was affected by the breach 2 days ago on the XX/XX/XXXX and it said I was not. However, I entered my information again today and it told me I was and to sign up for free credit monitoring. The terms and conditions of signing up requires for me to waive my rights to sue. I believe that the results are random due to the 2 answers I received and that the reporting company used my report improperly.
Please see the attached description - Everbank is overcharging me for my monthly escrow account payments.
After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.
On XX/XX/XXXX " Cbcinnovis '' conducted two back to back hard credit inquiries on my XXXX  credit reporting account. On that same day, they also submitted a hard credit inquiry on my XXXX account. I believe this is all connected to an inquiry for service with XXXX ( XXXX XXXX XXXX   XXXX XXXX, KS ) on XX/XX/XXXX. Who also conducted a hard inquiry on my XXXX account on the XX/XX/XXXX. At the time of inquiry, I learned that XXXX was not servicing my area - so I don't know why I now have four hard credit inquiries across two credit reporting agencies for service that was never provided or even possible to provide. I'd like for them to be removed, as they are adversely impacting my credit scores.
I used Paypal Inc. to pay a mover who helped me with a heavy couch a month ago. Unfortunately, the mover damaged the couch and we agreed that he would pay me {$300.00} in damages. I, by accident, sent him {$300.00} instead of requesting it on Paypal. I called Paypal and asked them to stop the payment, and they said I could do so by stopping it with my bank. I called my bank and put a stop order which worked. Then 2 weeks later, I received a payment from XXXX from tickets I sold in the amount of {$470.00}. I saw that only XXXX was deposited into my paypal account. Paypal stole {$300.00} from this unrelated transaction to send to this mover, after they told me that it would not go thru as long as I put a hold on my bank account. This mover, I have spoken with him, and he has XXXX dollars held by paypal currently and therefore is in no financial position to pay me back. I also do n't know him and would n't trust that he would pay me back. Please help me resolve this situation. Thank you.
In XXXX 2017 I sent a letter that stated after reviewing my credit report I notice incorrected information that I was unaware of, I asked that AR Resources Inc. send me the name of the hospital/medical provider and a detailed breakdown of the fees I owe as well as a copy of my signature with the provider of service to release my medical information to AR Resource Inc I received a response from AR Resources inc with a detailed bill but nothing with my signature from the provider of service to release medial information also nothing with my signature that this bill belongs to me, withholding this information is a violation of the FDCPA as AR Resources is still reporting this bill from the collection agency ( AR Resources Inc ) Thank you below is the letter that I sent to AR Resources Inc After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2017. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. and all that I received back was a itemized bill
The trouble with EXPERIAN is that I have been trying multiple times for over one year to have certain things removed off my credit report and might I add I am seemingly having problems in my physical life with things going on from the location this company is from, meaning their state of TEXAS. I have asked numerous times for them to update my address to the current address is now and to please please please remove the old addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV   XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. I am sick and tired of seeing these addresses especially since I have had the utmost problems with these two addresses when I lived there. Such as ppl coming into my home unauthorized, stealing my personal documents, using my clothing, destroying my clothing, using my home as if they pay rent there when I'm gone and so forth on. Now they want me to mail not upload my information to them but mail my personal documents to them, like ssn, ut. bill and copy of my current id. They refused my upload, which would be safer. Then they refused my online dispute with XXXX XXXX, this company is on my BKXXXX discharged XX/XX/XXXX, why are they still viewed after multiple request to remove off my credit report. XXXX XXXX is another one on BKXXXX doing the same things, look there information up and they are located in TEXAS. What is the deal with TEXAS on me. Another one, XXXX XXXX/XXXX saying I owe them over {$300.00} off a promotional device for {$100.00} and where they located in, TEXAS. XXXX XXXX XXXX XXXX XXXX, I wish this weekly who is right across the street from my old refuse to leave my credit report address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address, saying I owe them {$160.00} on a pre-paid rental I already paid for, I admit my ck was a day or two late but not a weeks worth. I have been trying to remove these ppl for over a year and not to mention when I did try to remove them I was somehow removed out of my prior address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NV XXXX address after 1yr and 1/2 almost  when I was cleaning my credit only to be bounced out into a XXXX awful motel for two weeks into my current address who is constantly turning my power off/on, water off/on and ac/heat off/on multiple times since I've been there XX/XX/XXXX. I use energy asst and guess what they did, took it and put it on the XXXX XXXX address while I am in the XXXX address.