WillisBack/dataset-financial-user-claim huggingface dataset:
1. Credit Associates of Maui , Ltd. ( CAML ) failed to provide correct balance due and proof of calculations. Disputing the balance on my account. 

Requested proof of calculations many times via phone calls and letters from XXXX to include certified mail and return receipt dated XXXX/XXXX/XXXX. I received no response ( phone calls or letters ) from CAML. They failed to provide verification of amount due. 

Violation of XXXX XXXX XXXX ( XXXX ) ( A ) and Hawaii FDCPA XXXX. 

2. CAML mailed personal information ( dated XXXX/XXXX/XXXX ) to wrong employer. ( Improper handling ). CAML continued to mail personal information to wrong employer ( dated XXXX/XXXX/XXXX ) after my employer notified CAML in writing not to send any personal related information to their office. ( This XXXX mail was forwarded to my employer from the wrong employer ). ( For clarification purposes, I work for the XXXX and XXXX collection notices were sent to the wrong XXXX ). 

Violation of XXXX XXXX XXXX ( a ) ( XXXX ). 

3. CAML involved in deceptive practices/ inefficient internal procedures. 

CAML did not make fair attempts to contact me that my automatic payments from my checking account would be terminated ( the initial agreement states that " ... this authorization shall remain in effect until the balance is paid in full or company receives written notification from m of any intent to terminate this payment plan ... '' ). My checking account is still open and has always had funds for the automatic payments to continue. There was no reason for CAML to stop these automatic payments from my checking account other than increasing payments without my consent and/or mutual agreement.
Just noticed that my credit card statements from my REI card through USBank does not have the minimum payment warnings anywhere on the five pages that I get every month. Isn't this against the Credit CART Act of 2009? 

Thanks,
Experian is reporting an incorrect address as XXXX XXXX XXXX XXXX XXXX ct XXXX. I 've never lived there and never had anything associated with that address. I want it removed immediately
On XX/XX/XXXX I had contacted American Express to close out my Amex EveryDay Card ending in 61000 which they had closed out on XX/XX/XXXX. I then requested to reopen the account on XX/XX/XXXX and was told I was not qualifying for reinstatement per federal regulation and it had to have been completed within 90 days. This is a false and misleading statement, as there is no federal regulation that outlines when an account may be reinstated or reopened. I was then unfairly deceived into applying for a card again and was declined and incurred an inquiry on my credit due to AMEX customer service 's false information surround federal regulations. The only regulations that govern an account reopen request are BSA ( KYC/CIP ), Regulation Z, and Regulation B ( should the request be declined. )
On today   XXXX   XXXX   XXXX   a representative of the company  National Credit Systems of  XXXX  Ga  contacted me in reference to a rental property bill from  XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the  manager   XXXX   XXXX  who refused to help and was also rude. I called again to verify that the representative who called name was  XXXX   XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.
Complaint about CIT XXXX Customer Call center regarding account closing I had a 2-year $ XXXX CD with the CIT bank, which matured on XX/XX/XXXX. I never received a notice/reminder which the bank is supposed to send me well in advance. I called the bank on XX/XX/XXXX Saturday, to close out of the account but I was n't able to reach a human customer service after a long wait. I called back on XX/XX/XXXX, the first business day after the grace period ( ending XX/XX/XXXX, which is a Saturday ). The customer care team refused to close the amount without charging me penalty that 's the equivalent of 6 month interest. I requested to speak with the supervisor and anyone who has authority to close the account for me, despite the fact that I was a few hours past the " grace period. '' I was told the people I 'm speaking with do have the authority to close the account but they simply choose not to do so because they do not have to based on the CD terms. I was told that they will only make the exception if I, the account holder, was dead. The individuals I spoke with claimed to be XXXX XXXX and XXXX XXXX the call center manager. I requested a higher ranking officer at the bank and was given the name of XXXX XXXX, who was supposed the Vice President of the XXXX center. I looked up the names. It appears that XXXX is just another customer care manager. At the end of my wit, I inquired if I may switch to a shorter term CD. While they offer 6-months CD,  XXXX told me the shortest they would let me do is 1 year. So I opted for that. Afterwards, I looked up online, CIT publishes a policy of option to withdraw full balance and interest after 7 days of CD funding date. I believe the call center staff refused my request to close the CD account and withdraw money not per policy, but out of fear of losing business and hurting performance. The customer service was abysmal and perhaps downright fraudulent.
We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent XXXX debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them.
In 2000, I was an employee of chase bank before suffering a XXXX and left after XXXX XXXX was exhausted. I attempted to maintain my bank account with chase and recently opened another checking besides my primary checking and savings. The XXXX account was opened for a pending settlement ( in which I already given the routing and account number to my attorney ). My primary account was used for my direct deposit of my social security check which I received XXXX a month, This is the only income I receive. My fix income forced me to watch every penny. Recently, a team lead scolded me for opening another chase claim and told me I 've had a claim every month and he did n't believe this claim, I filing for XXXX was a good claim and he would never open it and went on to tell me he will allow the temporary credit this time, but will note on my account that I need to follow bank policy. Several days later, I was told chase no longer wanted me as a customer and my accounts were closed. The back has retaliated because I filed claims against merchants who has taken money and refused to return it or they made a mistake on my card and I usually can not get them to cooperate with what I am asking. For example, one merchant charged my card for XXXX after paying him XXXX with another card ... .then said. oh I thought that was a tip ... .Another example is the reason I left chase as an employee, I took the XXXX and suffered a XXXX, the company was sued for several XXXX and I won that case. I purchase a product LeVel, for weight loss and was told it was not approved by FDA and a boy suffered a XXXX. I contacted the merchant via email and they would not contact me back as they did when I was considering purchasing the product, I fax them also with proof that I had already suffered a similar injury and needed to speak with them right away, I included my phone number and still no response ... so what am I to do, but ask chase to refund my money and know they will investigate. I explain this to the person who initiated the closure of my account and he told me other customers are not having this problem. Why am I being compared to other customers who may not have a fix income such as myself or have XXXX. I believe chase supports the closing of accounts of customers with too many claims, which is my right. However, if that 's frown upon, why did they not state this will close your account if I take this claim. I believe the bank hides this fact and will justify this by their right to close any account of any reason ... ..because they are a huge bank and they can do this? or can they?
I disputed XXXX ProCollect accounts in my credit file with the CRA. Procollect inturn sent was they considered " validation of the debt '' to me via mail. First, I never received anything regarding this debt before discovering it in my credit report in XXXX 2015. Secondly, when I attempted contact the original creditor, I find that they are no longer in business. So, when I received the " validation '' from Procollect, it showed me nothing! I have attached scanned copies of the attachment that procollect sent me as validation of the debts appearing in my credit file for {$600.00}, {$620.00} and {$620.00}. This does not constitute sufficient validation of the debt. This is something that I could have typed up myself. Surely this is not what they send others who are requesting debt validation. And sadly, this was what the CRA used to place this debt in my credit file. I emailed procollect informing them that this was not sufficient and they would have to supply the proper validation according to the laws in the state of Texas and I expected these accounts to be removed from my account. The 30 day period has expired.
I have written dispute letters to XXXX, XXXX and XXXX  and the creditor in regards to derogatory and negative closed accounts that are on my credit report. All letters were notarized and sent via certified mail starting in XX/XX/2018 and 30 days after each letter was received by the credit reporting companies in XX/XX/2018 and XX/XX/2018 and a letter to the creditor on XX/XX/2018. The credit reporting agencies are saying they have verified the items but are not able to provide me with original documentations ( consumer contract with my signature ) showing that these accounts were indeed open by me. The creditor did not respond at all. Nor are they responding to my request to state who verified these items and the method used for verification as required under Section 611 ( a ) ( 7 ) FCRA  states that credit reporting companies must have a copy of the original creditors documentation ( a consumer contract with my signature ) on file to verify that this information is mine and is correct as required by Section 611 ( 5 ) ( A ) of the FCRA.
I ordered a credit report from Experian in which they offered a credit tracking service on a 7-day trial basis. I did not discover they were billing my credit card until months later when I checked my bank statement online. 
I attempted to obtain a refund for the charges as I did not wish to order their credit tracking service, only a copy of the credit report. Experian did refund one month 's charges but refused to refund the remaining balance of approximately {$130.00}. 
I do understand I should have read the order more closely, as well as monitored my bank statements. However, I do not believe it is ethical business practice to force consumers to purchase a service along with their credit report. Experian should offer customers the OPTION of registering for this service when they order a credit report but should not make it mandatory.
In 2013 I consolidated ALL of my loans to make one bulk payment of {$12000.00} to National Credit Services to pay off all of those loans and I was told that total would pay off all of those loans. After paying that, I did not receive any calls or notices that I had payments due. 

I looked at my credit report in the last year and saw that this account was still open, so then I launched an investigation via my credit bureau to look into why this account was open, but did not get an answer. This really caught my attention when my tax refund was taken by this company. 

On XX/XX/XXXX around XXXX EST, I made a phone call to clear up the situation with the National Credit Services. What I learned is that there was a clerical error with my loan consolidation and that the loan was not consolidated correctly. 

I would like this removed from my account.
i received a letter with no return address, addressed to my estate. the letter read that I was deceased and my estate information needed to be turned over to them to handle my bills. I called the XXXX number listed on the letter and a man answered. I gave him the reference number on the letter, told him i was not deceased and what was the letter regarding. the gentleman kept repeating his name and that all calls were monitored and proceeded to ask my personal information. i gave him the reference number again and asked him to identify whom he was representing before i gave any additional information. he continued to stammer and did not tell me anything outside of his name. I told him that this was a tactic to collect a debt and to open contact with me as by then i had gone through my cell phone call log and found the exact number called me 82 times in one week, but it was blocked per my request from my cell provider. I told him to refer me to a supervisor or someone who could tell me what was going on and why they use such a morbid tactic to gain my information. he said i could not and i hung up and called again. The next agent did not identify herself, simply answering " hello? '' I explained the situation and she asked for my information again. i refused and asked her to identify herself or transfer me to her superior, she refused. i gave her the reference number and she said she would remove my name from their list. I asked her what list and informed her that if she is acting as a debt collector, she has to tell me who the debt originated from. she refused and i ended the conversation. This company sent me a letter saying i was deceased and to turn over my financial information, never did they say who the original creditor was or the amount of the debt. This was an attempt to gain my information as means to collect a debt which they never identified.This company called me XXXX times over the course of a week, if they were under the presumption i was dead, why bother? the company name is Philips, Cohen and Associates XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX reference # XXXX
The family trust submitted necessary documents for completing a short sale to the lender ( Champion Mortgage ) holding a reverse mortgage on property held in the trust. All documents were submitted in a timely manner, including an appraisal. The appraisal was ordered by the trust, therefore it had to be reviewed by a HUD approved third party reviewer. The review process took over 3.5 months, due to periods of no activity by both Champion Mortgage and XXXX ( appraisal reviewer ). This extraordinary long review process caused the appraisal to exceed the 120 day HUD limit on the appraisal. A letter was submitted to Champion requesting that the appraisal be honored given the unacceptably long review process. The request was denied with the offer to pay for another appraisal. The new appraisal came in $ XXXX higher putting the purchase out of reach for the family member requesting the short sale purchase. Another letter was submitted to Champion again requesting that the original appraisal value be honored given the flawed appraisal review process. A Champion problem escalation representative contacted the trust executor apologizing for the situation and suggesting that we consider appealing the new appraisal. 
About a week into the preparing the appeal, we found out that the home had been sold in auction. We were not notified that the sale was imminent or that the property was sold. We heard about the sale from the individual who purchased the property. In fact, when the Champion escalation rep was informed of the sale, they were totally surprised and had to investigate to verify the accuracy. Reportedly, a request to rescind the auction foreclosure sale ( generated by Champion managers ) was denied by the responsible vice president. The property is still in escrow to our knowledge. The sale took place on XXXX.
On XX/XX/2018 I was taken to XXXX XXXX Hospital ER seen by the ER doctors who admitted me. Upon arrival, registration came to my room to assure they had the proper insurance information/address on file, scanned in my insurance card, and my drivers license. My XXXX Insurance is covered by XXXX XXXX XXXX XXXX XXXX through my retirement company, XXXX. My drivers license had the correct address XXXX, OH. The hospital billed XXXX XXXX XXXX XXXX XXXX for the date of serviceXX/XX/XXXX-XX/XX/XXXX ; and received payment in full. My insurance card/license both were scanned in the ER Room by the hospital registration. I never received any bills at my address, never received any phone calls until XX/XX/2018, when I got a call from XXXX XXXX XXXX XXXX telling me that the XXXX Hospital ER Doctors sent me to collections for {$1100.00}. I told XXXX in collections, I have insurance, my insurance will pay all of that bill, & my insurance card/drivers license with my address were scanned in the ER room upon arrival. It was discovered after our in depth discussion XXXX billing for ER doctors errored, they never billed my insurance company, & had a non existent address on file for me that I have not resided at in over 3 years. Since the ER doctors work in the ER room at the XXXX Hospital, & they scanned my health insurance card/drivers license with all the right info for payment to be processed there was no reason for them to not have billed my insurance carrier. XXXX told me she will try to put the bill through to my ins but if they don't pay it due to the time lapsed for billing I am going to be liable for this bill. I called XXXX billing spoke to XXXX, she stated they billed XXXX XXXX directly, & it was rejected by XXXX they stated I had other health insurance coverage. I told her my XXXX coverage is under XXXX XXXX XXXX XXXX XXXX & that card was scanned in the ER at XXXX Hospital XX/XX/18. She stated they sent a notice to XXXX MI where I have not resided in over 3 years. I told her XXXX Hospital has my accurate address they scanned my license/insurance on XX/XX/18. She stated there was nothing they could do its in collections its up to them to get payment from insurance, or me to avoid it going on my credit report. I called XXXX Hospital Billing supervisor who told me this is error of XXXX Billing for the ER doctors at XXXX Hospital for failure to use the accurate insurance information/address that they have on file which was scanned in XX/XX/18 in the ER Room.I called my ins company to see if XXXX billed them for XX/XX/18 they stated they did not. I was told to contact XXXX billing tell them to send the bill to them with explanation they billed XXXX directly. I called again, talked to XXXX, she stated they wont rebill anything the collection agency has to, it is up to me to work with them to prevent the unpaid bill going on my credit report.
I refinanced my property in XXXX 2016 with Nationstar Mortgage. In XXXX 2016, I learned that Nationstar was delinquent in paying my property taxes even though they had escrowed funds at closing and collecting escrow payments monthly. I contacted Nationstar and the issue was not resolved. I paid my taxes so as to avoid further penalties. After examining my closing statements I discovered that Nationstar collected {$2900.00} in pre-paids and closing costs towards my property taxes. In addition, a balance of {$2100.00} was in my escrow account before I refinanced. I have confirmed with a Nationstar agent that this balance should have been transferred to my new escrow account. My new escrow account started with a balance of {$1100.00}, resulting in a discrepancy of {$3900.00}. I have contacted Nationstar repeatedly to ask for an analysis of the escrow account, for them to account for the discrepancy, and for them to close my escrow account, based on their mismanagement and to refund the balance to me. My last conversation with a Nationstar manager today indicated that they have an e-mail ( which I never received ) explaining why my request was denied. I have asked them to send me that e-mail again and also to post it in the US Mail. In any case, after 3 months several hours on the phone, and a dozen e-mails I still do not have satisfaction.
It was discovered I was a victim of predatory lending and given a predatory loan on XX/XX/2007. To date almost 9 years later this has NOT been resolved. In the process it was discovered the mishandling of a loan closing, processing of payments and loan modification process by a Financial Banking Institution .A Financial Institution who is held by Federal and State Laws. Please see attached document for detailed timeline to tell you the what has happened to me since XX/XX/2007
I have disputed this debt and asked for verification on XX/XX/2018 and XX/XX/2018. 
I received what appears to be a copy of monthly statement. A monthly statement does not validate a debt it needs to be a signed written contract under FDCPA and FCRA rules and guidlines.I have also received a letter threatning to sue me for the amount oued on the debt .On XX/XX/2018 i received a letter from an attorney threatning to sue me. 
I have all documented communication.