WillisBack/dataset-financial-user-claim huggingface dataset:
I have been working on this as well as my attorney. I had filed the complaint against BOA with your company and they responded with a letter along with Bank statements from a personal checking account. The problem again occurred when I had credit card with BOA for several years and was making payments normally around {$230.00} a month. XX/XX/2012 I had sent 2 checks which they stated they never received. I had a business checking account that I noticed 10 payments of {$650.00} being withdrawn from my account for 10 months for some type of life insurance policy which I never authorized automatic withdraws. When I filed my last complaint they again sent me copies of my personal account and said there were no such withdraws. They did not investigate my previous business checking account that would have shown the transactions in question. I wanted them to refund the draft that were {$6500.00} total or put it toward the credit card that they indicated they did not receive the two checks on.
I got a car a XXXX XXXX XXXX from a XXXX dealer in XXXX XXXX area in XX/XX/XXXX and the vehicle was the approximate cost of {$12000.00} XXXX XXXX miles on it. XXXX dealer indicated to me that I would have to pay like 10.5 or 11.5 interest-rate when I was told by Wells Fargo gave in my information I just paid off my student loan XXXX {$9000.00} off and I had very little credit and they said they will work with me Wells Fargo and the XXXX dealer. I end up with a 16.99 interest rate I cant pay for it now. I decided just get in the car because a hassle to me and the lady who help me with the loan gave me her fax that she will give me 11.5 I was surprised at this rate I half I told them about it they wrote me a letter stated this is the rate they gave me I said no I feel that you are racially profiled me and you discriminate against me and you lied, Wells Fargo. So I voluntarily told him then have the car cause I couldnt pay for it and the repairs at XXXX miles. They wanted me to sign a piece of paper that I will voluntarily give them the card. And I decided not to sign the paper when I got the information back it was so many fees die oh more for the car that I paid into the car. I believe this is a scam by Wells Fargo the predatorily lead against me with this car they try to help me out to give me two missed a couple payments is XXXX a month and its crazy Im on XXXX to and I dont know what to do? They will be charging me on XX/XX/XXXX XX/XX/XXXX I have to pay for three XXXX with late charges XXXX continues from the day I decided to give up the car so the current balance is XXXX XXXX delinquents charge XXXX collection repossession fees will be {$470.00} then another describe miscellaneous fee {$45.00} and the reason we procession amount of this is due XXXX XXXX then it says contactContact payment due XXXX delinquents charge it at XXXX collection fees again for {$470.00} insurance nothing another miscellaneous fee is XXXX then it says amount due at the date of notice will be XX/XX/XXXX XXXX. XXXX additional then they said every day when I have to car I will be charged all these fees until the car is sold not tell me this is not a gimmick. This is Wells Fargo plan to sell property yesterday told me this is Wells Fargo dealer service. My name is XXXX XXXX XXXX XXXX.My cell number is XXXX my address is XXXX I did my best to try to work this situation out with Wells Fargo this company is a joke I dont like how they treated me and I dont like how they harassed me and Im very serious how they treated me as a customer so can you please help me with the situation.
MY BALANCES FROM MY STUDENT LOANS ARE BEING REPORTED ON ALL MY CREDIT REPORTS WITH A HIGH BALANCE BUT MY CURRENT PAYMENT IS XXXX DOLLARS, BASED OFF THE INCOME DRIVEN PAYMENT PLAN. BANKS KEEP QUESTIONING ME ABOUT THIS AND IT IS MAKING IT MORE DIFFICULT FOR ME TO GET A LOAN BECAUSE OF IT.
Leave messages to find out why this is on my credit report and there is only a VM, no response back. This debt was paid and should not be on my credit report.
When I got the loan I was told I would pay {$150.00} finance fee for the {$600.00} I borrowed. It would be a total of XXXX payments of {$150.00}. Never got any notifications when payments were being processed for those XXXX payments, then got a notice that they were going to process another payment from my account. When I contacted them they stated that was the process and they apologized for the inconvenience but those payments were each finance charges because I had not paid back the {$600.00} yet. I believe this whole thing is a Scam. They originally sent me papers saying a finance charge of over {$3000.00} and when I talked to someone I said I no longer wanted the loan because that was crazy I was not going to pay {$3000.00} to borrow {$600.00}. And that when they told me I 'd only way the XXXX payments of {$150.00}. And be done.
RECEIVED A BILL FRO THIS COMPANY BY THE NAME OF TATE & KIRLIN FOR A XXXX XXXX BILL AND i DON'T HAVE A CLUE WHAT THEY ARE TALKING ABOUT. i DON'T HAVE TIE TO DEAL WITH RUDE PEOPLE WHO TRY TO INTIMIDATE YOU INSTEAD OF LISTENING TO FACTS.
I requested verification of debt from another collection company in XXXX. I answered a summons and plead not guilty, as they would not provide me with verification of the debt. Regardless, my wages were garnished by this agency. I was not aware of another judgment attempt. I contacted them in XX/XX/XXXX requesting verification of the debt, but they told me that they had a legal garnishment and were not sure that they would be able to find verification of the debt. They did state that it is for XXXXXXXX XXXX. That information did not have any meaning to me. I filed a complaint with the CFPB and Montana Attorney General XX/XX/XXXX. All communication stopped at that time, so I believed the issue had been resolved. They now phoned me on XX/XX/XXXX and stated that they have a judgment through XXXX. I believe the debt is not only not mine, but also past the statute of limitations.
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I want to file a complaint against the above four companies for harassment and continued negative reporting of the same creditor information after the items have been removed from my credit report. The debts from the original creditors date back to about XX/XX/2012 and have continued to remain on my credit since then. I have gone through the dispute process numerous times with all three of the credit bureaus and have had success in the past with the items removal from my credit reports. However, the collection process has continued steadily over the years in the form of phone calls to my cell phone, calls to my place of employment, threatening letters in the mail despite cease-and-desist letters I responded with and extremely detrimental damage to my credit reports. Aside from these 4 collection items on my credit, the reports reflect only good items including on-time payment history, length of credit, etc. 
My goal is to have these 4 companies reprimanded and reported for having violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on several occasions and in several different areas and to have the collection items permanently removed from my credit report from all three credit bureaus. 
I have the necessary documentation to support my allegations and will provide it, if requested. I have been working very hard to fix my credit to improve my quality of life for myself and my children but these 4 collection companies have ruined and continue to obstruct my efforts.
XXXX XXXX in XX/XX/XXXX sent my mortgage payment back said the amount was insufficient to cure my delinquency and my account isn't under a payment plan and accelerated the loan every since then they either send my payment back or kelp the payment, now the amount is {$12000.00} as of XX/XX/XXXX is what they are asking me to pay. I have been trying to get answers from them over a year now I wrote to them on three difference occasion couldn't get them to respond to any of the two letter finally they respond to the third letter said there was an error that has occurred on the loan due to a complaint and summons XXXXXXXX XXXX XXXX XXXX XXXX  filed Affidavit for Lien they inadvertently placed the incorrect coding on the loan for monitoring my account which cause payments not to be accepted so this is what the letter states, remind you I send in a payment every mouth they send some back kelp some now they said the current amount is due at this time is {$6900.00} this is still a problem they still have payments they haven't sent back to me yet and I suffer over a year with this error. they order me back in XX/XX/XXXX to do a modification or refinance, or a short sale I told them I have no interest in doing any of those things that I'm making my payments I'm not behind on any of my payments if they had just taken the payments CitiMortgage cause all of this by not accepting my payment.
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX. Also, by Experian Credit Reporting Agency and XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made Experian aware of this they have not done an accurate investigation on XXXX XXXX XXXX. So, I called XXXX XXXX for the Secretary of State Texas Debt Collections Division and found out that XXXX XXXX XXXX is breaking : " Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. '' I am in need of another Investigation to remove them from my credit report please.
XXXX XXXX 's home sold back to Ocwen on XX/XX/2018. There was a 6 month redemption period in which Mr. XXXX had planned on gathering funds to redeem the property. Ocwen and their attorneys were notified of Mr . 
XXXX 's intention to redeem. On XX/XX/2018 Ocwen was sent a request for the Redemption Payoff Amount. Ocwen 's attorneys advised that it would take 4-7 business days to calculate and notify Mr. XXXX. Mr. XXXX did not receive the redemption figures until XX/XX/2018. On XX/XX/2018 Ocwen requested a call on XX/XX/2018 to discuss the logistics of the redemption. On XX/XX/2018 Ocwen sent Mr. XXXX a Notice to Vacate expressing their intentions to initiate eviction proceedings. 

Ocwen has violated Regulation X, 12 C.F.R. 1024.41 ( g ), by failing to honor Mr. XXXX 's request for redemption and by advancing foreclosure during the redemption negotiations.
Experian is reporting a negative XXXX  XXXX credit card on my credit report and it does not belong to me the other two major credit agencies deleted account and handled everything properly but Experian can not seem to get it right! Experian removed the account a while ago once I sent in he details for removal and the police report and then suddenly I see it is back on my credit file again. I reached out to Experian right away and they refuse to remove it now and are continuing to ignore my requests to have this removed and have my credit file reflect accurate information. this is causing a great deal of harm to my credit score and upset within our family who will be homeless due to this credit scree and all the problems its causing,. I have let Experian know this and they have completely let me down and ignored me.
At XXXX eastern time on XXXX/XXXX/16 I had a missed call from a XXXX. I returned this call at XXXX ( call lasted for a total of 2 minutes ). My call was answered by a clerk who answered the phone with " XXXX ''. Than she than confirmed my name and mentioned that she would connect me with the person who called me. Upon transferring my call the person who originally tried to call me, he asked me if I was ( NAME DELETED ) and wanted me to verify my address. I asked who was calling and after the 4th time of me asking he replied with " XXXX ''. I said XXXX why are you calling me and he said for " Personal Business '' and I asked several times about what " Personal Business '' and he tried to get me to verify my address again without answering my question. I asked who he was calling on behalf of and he said " XXXX ''. I than declined to answer his question about my address since he would not inform me the nature of his call after I made several attempts to and than I hung up. I looked up the phone number that called me and it was listed as a " XXXX ''. 
He never informed me that he was calling on behalf of a collection agency nor did he inform me that any information verified can be used against me for debt collection purposes- I believe this would be referred to as mini-miranda rights. I have never heard from this company before and I wish to make this a complaint against the company.
I applied for a student loan refinancing, provided direct access to my bank account, provided a personal bank statement, business bank statement, personal tax forms, business tax forms, and other personal info. I called during my application process to make sure that my individual situation would be okay in being approved for the loan. I got denied for a reason that does not even apply to me " income variability ''. They falsely denied me, did a hard credit inquiry, which they won't even reverse, and lied about the application and approval process. I received terrible customer support after trying to figure out what was going on because they did not even contact me with an email or phone call to go over my documents. I believe this is a scam company that is harvesting very private information with employees who are untruthful, scammy, and rude.
This compliant is against Beneficial Finance aka Household finance. 
This loan started in 1994, the loan amount was {$15000.00}. When the final payment was done, this loan cost over {$57000.00}. My C P A ' s report stated because of the companies over charges and late penalties this loan should been paid in full by at lease 10 years ago. When one mailed in a payment 90 % of the time they would not post it until they could charge a late fee, which they did over and over again. If you paid in person and received a receipt, no late charges. Also they breached there on contract by charging the improper interest rate. These are blatant, deliberate, and intentional actions breaching there fiduciary obligations as well as per R C W 31.04. XXXX. State. 
What is hard to understand why there is no government agency that has any regulatory responsibility to handle these egregious misuse, ( stealing ) of there bad faith. One can not even get a little, if any help from the State, or the Feds. The only help is to sue these financial companies. There are XXXX entities here with responsibilities, Poor enforcement of the consumer protection laws by the State of XXXX, and no help from the feds, there are laws on the books, I do not understand why the Government will not enforce them? The XXXX the loan company, it is very obvious these companies will not follow the government regulations with out direct enforcement. This Company Beneficial, Household Finance of XXXX XXXX are so unprofessional, they will not even return phone calls, return letters, ( they wont give you there E/Mail ) they will not even talk or give the balance of the loan even to my Title company. 
Sue them in small claims court be cause your attorney will not take the action because there is to much work for the amount of money, when you get to small claims, the attorney representing the defendant just has judge move the case to civil or superior court. If you are not and attorney you can not represent your self in those courts.So you are screwed. I seriously find a flaw in the government. When if u steal a candy bar one can get time to serve, but a company can steal thousands from the poor consumer and not be held responsible. We need some real help.
I was contacted via mail by TD bank as " pre-approved '' for a HELOC. One XX/XX/XXXX, I called TD and applied for a {$200000.00} HELOC over the phone. My application was taken by a mortgage specialist. Over the subsequent days my loan went to an underwriter and a hard credit check was performed. On XX/XX/XXXX, I received a call from TD Bank informing me that my application was declined because my primary mortgage with XXXX XXXX XXXX is an Interest Only mortgage and that TD does not provide HELOC loans behind I/O first mortgages. My issue is that I disclosed the XXXX XXXX XXXX I/O loan during the application process and TD should have informed me then of their policy. Instead, they proceeded with an application they would never approve which had a negative impact on my credit score for no reason.
On XX/XX/XXXX our XXXX of XXXX.. passed away. On XX/XX/XXXX XXXX of the church went to the Wells Fargo Bank ( XXXX, MD XXXX ). They spoke with Personal Banker NMLSR ID : XXXX. XXXX. The XXXX presented the certified copy with raised seal of our Articles of Inc., tax ID letter, church check books, bank statements, and their driver and non-driver ID ( matching the signatures on the church articles of incorporation. Personal Banker NMLSR ID : XXXX was informed that on XX/XX/XXXX two men were not members of XXXX. had been allowed to put their name on our church bank accounts at the XXXX MD XXXX. Counter checks were created for their use. A check was written on XX/XX/XXXX to one of these men in the amount of {$900.00}. It is our understanding that they met with Personal Banker NMLSR : XXXX located at XXXX MD. XXXX. Banker NMLSR ID : XXXX contacted the Wells Fargo Bank legal department. The legal department stated that they would correct this matter after the articles of incorporation where taken to the Maryland State Department to be updated. The articles of incorporation were updated and returned to Banker NMLSR ID : XXXX approximately XXXX on XX/XX/XXXX. XXXX XXXX NMLSR ID : XXXX sent a copy of the certified articles of Inc.. to the legal department. The control and proper names were applied to the account. After the banks error we requested to have a new bank account. Sadly Wells Fargo allowed the processing of a second counter check signed by one of the men who was not a member of our church in the amount of {$600.00} written on XX/XX/XXXX. On XX/XX/XXXX we spoke with the Service Manager ( XXXX MD XXXX ) due to are bank cards not working properly. When we discovered that the reason for the trouble was that the Personal Banker NMLSR : XXXX located at XX/XX/XXXX MD. XXXX had removed our names from the account and replaced them again with these same men and added a woman who was also not a member of our church. 
The actions of Wells Fargo Bank allowing these people without proper documentation to be assigned to our account as signers. This has caused tremendous stress and hardship upon the church as a whole. We are greatly disappointed that these actions were allowed to happen. To this date we have not received any report of any investigation or any resolution to this matter.
I have filed multiple disputes with TransUnion in regards to my XXXX home loan. It reports that I was late twice once for 30 and once for 120. It was a balloon loan where only the one payment could be reported as late It should be updated to one payment late of 120. They do not seem to review the dispute or the backup provided. I am requesting that this be rectified. The most recent being case XXXX where the issue was rectified and closed. You will notice in the response that XXXX did not dispute this information and TrnsUnion agreed with my information. I noticed today that the information was added BACK to my credit report. This again is in regards to a BALLOON loan which can be late only once and the time late can be updated but it would still constitute ONE late payment. I have attached the previous TransUnion response.
Citigroup has a government contract to implement the federal charge card system, SmartPay 3. Citigroup is currently currently conducting age discrimination against 18 - 21 year olds due to their new firearm policies that runs counter to laws and regulations passed by Congress, and infringe and discriminate against an individuals Second Amendment rights. Citigroup should not be allowed to have government contracts when they are flagrantly violating the rights of the very individuals who are forced to utilize their products.
Account was paid in full ; however, Enhanced Recovery/XXXX never followed through with the removal of tradeline in exchange for full payment. According to the The Fair Credit Billing Act ( FCBA ) of 1974, 807. False or misleading representations [ 15 USC 1692e ] ( i.e. section [ 7 ] The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer ). These two companies must be accountable not using the fear tactics debt collectors are known for applying.
TRANSUNIONIS PREVENTING ME FROM BUTING A HOME/ AS YOU WILL SEE FROM THE ATTACHED DOCUMENTATION XXXX HAS UPDATED MY FILE WITH THE DELETED ACCOUNT IN ADDIITION TO MY NUMEROUS REQUEST TO HAVE XXXX DELETED. 
According to the information given to us by your firm, the date of last activity by the ORIGINAL CREDITOR WAS IS NOT LISTED ON MY CREDIT REPORT ONLY THE DATE OF YOU PURCHASING THE DEBT. The State of Limitations on this alleged debt, even should it be ours, is 4 years in the state of Florida. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 

Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. ( 10TH REQUEST ) Agreement that bears the signature of the alleged debtor wherein I agreed to pay the creditor. ( 10TH REQUEST ) Any insurance claims been made by any creditor regarding this account. ( 10TH REQUEST ) Any Judgments obtained by any creditor regarding this account. ( 10TH REQUEST ) Name and address of alleged creditor. ( 10TH REQUEST ) Name on file of alleged debtor. ( 10TH REQUEST ) Alleged account number. ( 10TH REQUEST ) Address on file for alleged debtor. ( 10TH REQUEST ) Amount of alleged debt. ( 10TH REQUEST ) Date this alleged debt became payable. ( 10TH REQUEST ) Date of original charge off or delinquency. ( 10TH REQUEST ) Verification that this debt was assigned or sold to collector. ( 10TH REQUEST ) Complete accounting of alleged debt. ( 10TH REQUEST ) Commission for debt collector if collection efforts are successful. ( 10TH REQUEST ) Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. YOUR CLAIM CAN NOT AND WILL NOT BE CONSIDERED IF ANY PORTION OF THE ABOVE IS NOT COMPLETED AND RETURNED WITH COPIES OF ALL REQUESTED DOCUMENTS. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. ( 10TH REQUEST )
A charge to purchase an airline ticket was declined on suspicion of fraudulent activity by my bank. By the time I corrected the problem the fare for the trip was no longer available and I had to pay more for the trip.