WillisBack/dataset-financial-user-claim huggingface dataset:
The debt collection agency ( Rodenburg Law Firm, XXXX XXXX XXXX, XXXX ND XXXX ) ( Telephone : XXXX ) repeatedly and deliberately talked over me whenever I tried to talk to them and explain my situation ( drowning out my words in an abusive fashion ). ( The issue was that I was unemployed after being laid off and needed more time. ) They also falsely stated, more than once, that they couldn't talk to me unless I provided my full social security number and more ( my date of birth ), even though I had the account no. and their file reference number and were responding to their letter. Now they have sued me ( despite my attempts to work things out fairly in time as possible ).
I had an cellphone with XXXX wireless, I had to cancel contract after over 5 years of service due to job loss. At that time I had a bill of about XXXX. After almost 5 years, I did n't think the cancellation fee applied to me. XXXX sought after debt collection agency pinnacles with XXXX account, ( 1 ) XXXX and ( 2 ) XXXX. I feel even if I cancelled my contract I do n't owe those amount. I only had XXXX phone on the account. Now pinnacles has sold my information to another debt collection agency called XXXX. At this point I need them to give me proof I how I owe that much. If it ca n't be satisfied, then it both pinnacles and XXXX needs to be removed off my XXXX credit reporting bureau asap. I will fax over all documents. Pinnacles account for both debt are the same with the change of at least XXXX character, as if they tried to create another account.
Four months ago I contacted Rushmore in regards to cancellation of my PMI insurance due to the increase of the value of my home by 30 %. The increase was due to rising home values and property improvement modifications. The request was denied due to loan to value ratio. I contacted Rushmore back and explained my loan amount is XXXX and my home value falls between 276-300k. I was instructed that if I wanted to proceed I would need to pay for an appraisal from a 3rd party appraiser of Rushmores choice. I agreed and never heard back. I contacted them back after not hearing back after sending my agreement form to move ahead with the appraisal. Months have gone by with no word so I contacted them again on XX/XX/18 requesting the same. I was instructed that the concern was closed and I was denied with no communication. I explained that this is unacceptable under federal Homeowners Protection Act. I was advised I would receive a call back within 24 hours after it was investigated. I have contacted Rushmore today via online chat requesting my call back and was advised that it can now take up to 48 hours for a response. This insurance should have automatically been removed in light of my perfect payment history over the last 12 years. It seems that my only recourse is to take Rushmore to  small claims court since no one in the customer service or PMI department can give me a clear answer as to why I am being charged an extra {$150.00} a month. 

My advice is to pursue small claims or talk to an attorney if you are ignored or wrongfully denied. Keep every letter and chat log, this will come in handy later on if it goes to court.
I had just gotten out of credit counseling about over a year ago. I went into a Wells Fargo location inquiring about my checking account. The banker I worked with signed myself up for a line of credit of {$3000.00} & a credit card of {$5000.00}. My house was up for sale & I needed to get out in order for the new resident to get in. He told me to go ahead & accept the offer for the extra money & stated it could get paid off once my house sold & I would n't get charged for it until then. Which was falsified. They have charged me for borrowing {$3000.00} when I only used {$2000.00}. They have also not just once but twice withdrawn money from my checking account without my knowledge. The first time they withdrew the whole amount owed which at the time I only had my social security in my checking account. They put it back in because they found out it was done wrongly. This second time is still ongoing as they sent a letter stating they were taking {$790.00} dated XX/XX/XXXX & I did n't receive the letter until XX/XX/XXXX which they had already withdrawn my social security yet again. They are refusing to put it back. The banker also stated he was going to send my papers but has n't sent them & that was almost two years ago. I should n't have been pressured into this as I had just gotten out of counseling but they forced it on myself.
I applied for a  Capital One credit card and was approved. I called to activate it and they said there is fraudulent activity on the card . I just received it in the mail on  XXXX / XXXX /  XXXX   and they are telling me this on  XXXX / XXXX /  XXXX  . I asked them about what was going on and they would n't explain why. They said to go forward they need a copy of my drivers license, my social security number and proof of address. I do n't feel comfortable having a copy of my drivers license put on file with my social security number. Their data base could be breached and that would set me up for identity theft. The information that i provided them with should be sufficient enough. I only ask that they explain to me why i have to go through the extra steps. Why is not everyone required to do this?
Transferred {$5000.00} to my coinbase account. They refuse me access to my account and refuse to allow any communication to someone in charge. Lower level employees tell me my issue has been escalated to the next level and resolution is coming. It has been over 6 weeks now and I am still unable to get answers as to where my funds are. I am still unable to communicate with anyone having knowledge of the issue or how to resolve it. Coinbase 's actions is simply stealing money from its customers. In the meantime the market has been extremely volatile and I have been losing value on my account.I have absolutely no control of my account and I am unable to withdraw the funds.
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" ACS EDUCATION SERVICES '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " ACS '' and spoke with a manager in upstate, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with ACS as of XX/XX/XXXX.
XXXX is listing a collection account on my XXXX and XXXX credit reports. I have asked for debt validation under Texas Finance Code 392 from XXXX XXXX via certified mail sent XX/XX/XXXX ( see attached certified letter ) and company has failed to provide required debt validation. XXXX did not respond to my request except to update their reporting to the ccredit bureaus.Under Texas Finance Code debt collector is required to delete entry if they fail to provide required debt validation. I have disputed multiple times with credit bureaus and have sent ceritfied letters to XXXX ( see attached certified letter ). The collection account is currently being reported to XXXX and XXXX -- and the information between the XXXX bureaus do not match either. XXXX has date to be removed as XX/XX/XXXX and the other has date to be removed XX/XX/XXXX so they are reporting different dates of first delinquency.
On XXXX XXXX XXXX, a representative from Wells Fargo called my place of employment. This was an attempt to collect a payment, but the phone call happened during business hours in which I am not allowed to take personal calls, unless it is an emergency. This phone call took me away from my duties, and caused embarrassment.
On XX/XX/XXXX I filed a dispute with XXXX  regarding a late payment that was reported by Nationstar. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both XXXX  and Nationstar failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding Nationstar 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by Nationstar to the CFPB on XX/XX/XXXX, Nationstar clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my XXXX report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How Mr. Cooper chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.
It was brought to my attention, a local retailer in XXXX NJ, XXXX XXXX, was allowing my ex to use my XXXX XXXX card issued by Citibank. As soon as I was made aware of this, I contacted Citibank as of XX/XX/XXXX as I did not authorize these purchases and or was/is my signature on file! I do not and NEVER have and an authorized user on my card either. I was made aware of this when my ex got arrested, I was listed as a contact person on is car, and was called to come and pick it up. There was an invoice in there in which he made a purchase, half on my card and half on his card. Again I did not authorize this and my card should have NEVER been charged. It is my understanding that there is a 2 year time frame, both which I am and was in when I filed the complaint as one was from XX/XX/XXXX and the other in XX/XX/XXXX for a total of almost 700.00. Please note the first purchase I found by calling XXXX XXXX  corporate office and the rep searched for it via his license plate. The only reason why I did not address this sooner as I was not made aware and I had alot of work done by using my card as well therefore the balance with interest originally made sense. The issue I am having now, is that Citi is not removing the charges, they feel that I am responsible for them which I am not. At NO time should any retailer let another person, regardless of whom it is charge another persons card with out their consent. If they were doing their job correctly, both the retailer and Citi, they would see that my card says clearly see id! I have been a victim of fraud previously! This case was reported in XX/XX/XXXX and had been closed many times for an unknown reason ; I have complied with all of the information they have requested from me. Last week I contacted the corporate office of Citi, and spoke with a rude witch, XXXX. I advised her of all the issues as above in detail, the conversation was at least 30 minutes at which time she advised me she would review it further. My main arguement of which it is clear in the contract is THEY DO NOT HAVE MY SIGNATURE, IT IS NOT AN ONLINE COMPANY AND I DID NOT AUTHORIZE THESE PURCHASES! I AM NOT LEGALLY RESPONSIBLE FOR THEM! I get a call today and she was a witch once again just basically reading me the letter which was sent as of XX/XX/XXXX advising me, to bad there is nothing we can and will do for you. You are legally responsible for these. Again, I am not legally as my signature is not on file. This is not hard people. Since I am getting no where with them, I am turning to you for help. Citi bank and XXXX XXXX clearly promotes fraud and that is against the law!
I have been fighting EQUIFAX for almost a year now trying to reslove ID THEFT issues. I have retained a attorney to assit in this matter due to EQUIFAX refusing to take any action and remove fraud accounts even with police reports and over whelming documents proving these accounts are fraud!!! They were all removed at one point and now or re-reporting. Equifax refuses to do anything even when i call the Office Of Consumer Affairs they do not help in any way. The following accounts are FRAUD and need to be blocked and are removed ASAP other credit agencies have removed and confirmed these accounts are fraud, why wount Equifax? 
1.XXXX Reported : XXXX XXXX, XXXX 2.XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 3.XXXX XXXX 4 XXXX Reported : XXXX XXXX, XXXX 4.XXXX XXXX XXXX Reported : XXXX XXXX, XXXX 5.XXXX  XXXX XXXX Reported : XXXX XXXX, XXXX 6.XXXX Reported : XXXX XXXX, XXXX 7.
I only owe on XXXX student loans. Wachovia whicj turned into wells fargo claims i owed them. For years i have disputed only on their account, asking for paperwork. Something about the loan to see if i owe. They never responded. I opened a bank account with wells fargo, no one at the bank said i owed anything with student loans. When you open account with wells fargo they claim to run your social security number to see if you have any other financial relationships with them. They didnt inform me. If they did. I wouldnt of felt comfortable opening an account with them. I had an account with wells fargo for 6-7 years. Not at anytime have they sent me a letter on the student loan. No one ever called me to collect debt. And wells fargo had my current information. I had an active account with them. Years later i fell on hard times, i XXXX, my children and i were in a shelter. I had just finally received my income tax. Wells fargo withdrew {$6000.00}. From my checking wih out any notice. I called wells fargo and complained. Again asked for proof, they stated they dont have to give me proof. I said yes you do, refund my money. The man who was supposed to be my account manager who never contacted me. Got nasty with me. Rude. Even laughed when i told him i needed my money. That i am in a shelter, i have a XXXX. I continued to ask for proof, paperwork, i dropped out of college. Maybe the school took out a loan on my behalf and kept the money. I dont know. I know i dont owe wells fargo. Only on my federal student loans which has always been in good standing. Till this day i have never got my money back. No proof, no information on the debt that i requested so many times. Even the credit bureaus erased the information because Wachovia never sent me information on the debt they claimed i owed. Plain and simple. Wells fargo/wachovia never contacted me, never provided information about the debt. And out of no where just withdrew my money at the worst time. The account manger in the student loan department got nasty with me. Rude. I asked to speak to his supervisor. She said she wasnt giving the money back. And that i need to contact the school. I did contact the school and no one got back to me. If i got a live person they would transfer me to a machine. And no one has returned my call. I still till this day have never received any information and they just stole my money from my account. I believe this was a fraudulent loan. No one provided any proof or information
I disputed an account which had reached the retention time and it was deleted. However, after a while I suddenly saw they placed it back and not only that they even changed the delinquency date to very current.
At the beginning of XXXX 2016 I received a phone call from a collection agency stating that my Sears had been sent to collections. I had not been able to access any information about the card for a year, I had elected to get electronic statements but had not been able to see them for 14 months as of XXXX. I was paying my bill through the electronic payment service provided by my bank. I do not know how long it took to process the payments because I could not access a statement.
I recevied a call from ABR asking to pay money i do not owe. person wanted my social security number when i refues to give the ss #, she threatened to report negative to my report. now i recevied a notice in the mail dated XX/XX/2017 askin to pay {$1800.00} which i do not owe to ABR Recovery or any one else.
On XXXX XXXX, 2017, my Mortgage # XXXX serviced by Seterus Inc. was paid in full. There was an overpayment made by XXXX XXXX as well as residual in the established escrow account. I had requested that Seterus to return the funds back to me immediately. They refused. They then advised me that they do have up to 30 business days to get the funds back to me and there was no way that they would try to assist me further. This is their policy and that is it. Numerous calls to their company requesting to speak with the refund department personnel or department head was denied. This behavior and unacceptable because I was advised that the funds would be returned back to me within a week. 

Written confirmation correspondence to expedite the return of funds, twice, led to a form letter which dis not address the complaint. They have not been responsive to my additional inquiries or confirmation of final figures on the overpayment of my mortgage loan. 

Seterus has a long history of not dealing with their customers fairly and in a timely manner. There was been numerous lawsuits on their improper conduct and unprofessionalism.
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home
The collection compan y of JH Portfolio Debt Equities is  " re aging '' the account to add time to when the account is supposed to be deleted from my credit reports. This is a violation of my rights and is illegal under FCRA sectio n 605 ( a ) ( 4 ) and 622 ( 5 ) ( b  ) ( i ) respectively.   The account is a  XXXX  credit card account that was reported and the " Date of First Delinquency '' as  XXXX . The account then was sold on  XXXX   XXXX  to  JH  Portfolio Debt Services and the the " Date of First Delinquency '' was changed to :  XXXX  to  XXXX   XXXX  to  XXXX   XXXX  to  XXXX   (  see attached second certified letter ) All of these dates are inaccurate. I have asked repeatedly by certified letter as to why the " DATES OF FIRST DELINQUENCY '' where changed after they received the account from  XXXX  bank  ( see handover letter ). JH  did not receive the account until  XXXX   XXXX ,  XXXX . Prior to that the " Date of First Delinquency '' was reported as  XXXX  ( see attached  XXXX  entry dated  XXXX  ) by the original creditor. The other  XXXX  credit reporting agencies did not report the account at all.     They have not responded, or in this case not deleted the account from my credit reports as they are required by law. The original creditor reported the " Date of First Delinquency '' as  XXXX  therefore the account should have been deleted in  XXXX   XXXX . I have tried to resolve this matter thru  XXXX ,  XXXX ,  XXXX ,  XXXX , as well as The State Attorney General Office of California and now your office.
I bought a new VW car through VW Credit in XXXX. The contract allowed extra monies paid over the payment amount to be applied toward the principle. VW Credit changed the contract without notifying me and began to apply the extra monies paid over the payment amount toward future payments instead of toward the principle, allowing them to continue to accrue interest even though more money was paid down. I only learned of this after not receiving a monthly bill. I phoned on XXXX/XXXX/XXXX to inform VW of the missing bill, which is when the representative informed me of the change in policy. The representative informed me that the only way to have the excess money applied toward the principle from now on was to phone VW Credit each and every time a payment is made and inform them to apply that month 's excess amount toward principle. The average wait time to talk with a representative has been twenty minutes in my experience, plus the actual phone conversation time. With this representative, I requested that the two payments I made have the excess money applied toward the principle, as per the " new '' VW policy, and requested that he make a complaint about their new policy on my behalf. The representative said he would. I checked my account on XXXX/XXXX/XXXX and found that no adjustment to the principle was made and that it shows my next payment due in XXXX of XXXX, which means that VW Credit is still applying all extra monies toward future payments, against all my wishes, and still charging me interest on the full loan amount. I sent in a written complaint to VW Credit through their website about these deceptive practices. So far I have gotten no response, nor have I received any written notification of any policy or contract change. First VW cheats on its environmental requirements with its TDI diesels, now it cheats on its financial dealings with customers. This is a breach of contract, and VW Credit should not be allowed this offense.
2 accounts showed up on my credit report for XXXX XXXX. They opened 2 accounts totaling around {$6000.00} total There were also over 10 hard inquiries because of this. I want them removed ASAP.
I am a victim of identity theft. Several years ago my office was broken into and my identity documents were stolen, resulting in identity theft. I filed a police report and have attached the report to this complaint.

I ordered a copy of my credit report with Factor Trust and found a lot of things that are due to the identity theft that need to be removed. I am disputing all the information below : Addresses : XX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX  XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX  XX/XX/XXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX {$7000.00} XX/XX/XXXX XXXX XXXX   {$5700.00} XX/XX/XXXX XXXX XXXX {$4300.00} XX/XX/XXXX XXXX XXXX XXXX  {$2200.00} XX/XX/XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX   XXXX  {$3500.00} XX/XX/XXXX XXXX XXXX {$5000.00} XX/XX/XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$4800.00} XXXX  I have never done business with any of the companies listed below. Any reporting that I have is due to identity theft.

Loan by XXXX XXXXXXXX XXXX   into XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  TX XXXX I have disputed all of the information that was incorrect in my XXXX  report and XXXX has removed it. My XXXX  profile needs to be updated in your system as it is all wrong.