WillisBack/dataset-financial-user-claim huggingface dataset:
I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA
Around XXXX/XXXX/XXXX I called and told them to stop payments becausd I XXXX my job and can not pay. They told me it would go to collections and in XXXX weeks if I could make a XXXX $ payment I can try that. Instead on XXXX they took XXXX $ out. Not in XXXX. I keep getting notices that it wll go to collections if I dont call and so I 'm like okay I asked for it to go to collections so let it. Then on XXXX/XXXX/XXXX THEY tried to take XXXX $ they have forged a check once before that I never authorized. We have tried paying off account before and they didnt take out the full payment and have continued charging interest.
Recived a court summons for a credit card by shermeta law group for a credit card debt i for a unknown amount a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are suing for it says the plaintiff is I have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from SHERMETA.COM website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount.You, Shermeta Law Group , PLLC must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Shermeta Law Group , PLLC are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Re : : Application ID # : XXXX-XXXX Hello, I am writing because I recently applied for the Citi XXXX Platinum card and was approved for XXXX miles. 
I then receive another invitation via US Mail, that invites me to apply and says that I can have XXXX miles. Using XXXX # : XXXX. That is a vast difference of XXXX miles that I feel I am rightly deserving of. 
I would like to know if CitiBank will make it right, or who else must I write a complaint letter to to get this error in judgement corrected? 

Thank you.
This debt collector calls at least 3- 4 times a week for at least the last 2 years. It is a robo call with a woman 's voice stating it is a debt collecting agency asking us to return their phone call. The only debt I owe to the bank is my mortgage payment & we have been up to date with our monthly payments. We have no credit card debts as we always pay in full every month. Our FICO scores are between XXXX.
On XXXX/XXXX/XXXX I received a deposit refund check # XXXX dated XXXX/XXXX/XXXX from XXXX XXXX XXXX XXXX XXXX in the amount of {$500.00} dollars. The next day on XXXX XXXX I have deposited this check via mobile app to my Bank Of America Account. After a while I noticed that this moneys were never deposited so I contacted Bank Of America customer service to search for this deposit. After lengthy phone calls I received a letter from Bank of America instructing me to bring the original check to the Bank Of America physical location ( branch ) to redeposit the original check as the mobile deposit could n't be researched. 
I re deposited this check on XXXX XXXX XXXX. 
On XXXX XXXX XXXX I received a letter from bank of America stating that Bank of America debited my account for the {$500.00} dollars and said that this check was already deposited via mobile app and negotiated at XXXX on XXXX/XXXX/XXXX. Please note that I deposited this check on mobile app in to B of A on XXXX/XXXX/XXXX PLEASE I never deposited this check to XXXX! I have NEVER owned an account there I never even heard of this bank. After B of A accused me of trying to deposit the check twice I was left with only few options. I contacted the check issuer XXXX XXXX XXXX but never received a response, then I went to the bank that issued the check XXXX XXXX and then I also went to the XXXX to see what happened to my check. Both banks stated that they cant research this check because I am not their customer. I asked XXXX to searched their data by my name and social security number to see if someone opened an account there and found no accounts in my name. 
The bottom line is that I deposited this check on my mobile app to my personal account in Bank of America the money never showed up and the check or the deposit cant be researched. 
I suspect a fraud or software issue because I only deposited this check to Bank Of America and they are claiming that I mobile deposited it in XXXX!
AMEX XXXX card promises 20,000 bonus points for referring someone. after a successful referral the bonus points never was sent to my XXXX account. AMEX said they will fix it but more than 2 months later still no resolution.
I received a credit report notification that a new collection account was added in the amount of {$4000.00} from a company by the name of ConServe. By my own research ConServe collects debts on student loans or past due/default accounts. I am very confused because ALL of my student loans are consolidated with the Department of Education and I am currently paying through XXXX XXXX which is a company affiliated with the Department of Education. I have placed a call to XXXX XXXX and they have not received ANY information about ANY additional loans being added to my account, ANY outdated payments due to ANY Universities or Colleges or me not paying on any other loans nor owing any other university. Second, I am and will dispute this collection to my credit report because I was NEVER notified by this company by regular mail, certified mail or telephone also per XXXX XXXX I am NOT in default on my student loans. This company did NOT give me an opportunity to accurately investigate or dispute any alleged debt prior to placing it on my credit report. I was unaware of the debt so I have not directly contacted the company but I am sending a letter TODAY ( copy of letter attached ) by certified mail disputing and requesting ConServe to validate ANY alleged debt that was placed on my credit report. Lastly, if or when the validation is received I will have the Department of Education ( XXXX XXXX ) look into it along with contacting the actual original creditor and have the them handle the alleged debt. I DO NOT wish to do business with ConServe under any circumstances which is my right and the negative information needs to be removed from my credit report as soon as possible.
I have already contacted XXXX XXXX XXXX several times via secured message as well as phone calls on throughout the month of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Sometimes numerous of times trying to get this resolve. 

I have several inquiries on my accounts within days apart or within one week apart. Some stem from one auto loan request that the representative claiming my credit would not be ran or impacted because it is all within one month. And these were simply appeals and they other ones were not authorized by me at all. 

I have inquiries that were not authorized for XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX
OneTrust Home Loans is actually the fictitious business name of Calcon Mutual Mortgage, LLC, a XXXX LLC headed by CEO XXXX XXXX ( XXXX ) and his brother XXXX. On XXXX/XXXX/2016 I recieved a solicitation telemarketing call from one of the employees, XXXX XXXX from his personal cell phone at XXXX. I asked XXXX how he obtained my personal cell phone number. He stated that he got it off of one of the tax returns of his mortgage loan client. I was shocked. I said " seriously you got ta be kidding ''!!! He actually pilferred confidential information off of a clients tax return. XXXX!!! 

If you use these wierdos your privacy is gone forever. To steal information off of a clients tax return and use it for telemarketing is beyond bizarre, it is likely criminal. 

Now for the wind up ... my cell phone is on the do not call list. I am registered. These OneTrust guys can not be trusted with your information and they do not follow the laws. It is in fact a crime to violated 47 USC section 227. The crime is listed under 47 USC 501. It is also a crime to violate XXXX Business and Professions code 17200. 

I filed a complaint with the Department of Business Oversight. I doubt the government will do anything to stops these mental nutcases. But you can do one better, do n't use them tell your friends to not use them either. Protect your privacy and get rid of scum telemarketers, use a different mortgage lender to get your loan. 

If you want to tell XXXX what you think of his racketeering enterprise, then email him at XXXXXXXXXXXX. But be prepared to be chewed-out like he did to me. 

The headquarters is at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
A medical XXXX by the name of XXXX XXXX at XXXX XXXX in XXXX WA. Without permission requested tests beyond what my wife requested which ended up costing us 4 times the amount that was expected. We disputed this amount with the XXXX XXXX and ended up reporting the doctor to XXXX XXXX XXXX XXXX. Since then XXXX XXXX turned our bill over to a collection company by the name of Professional Credit Services. I spoke with them on several occasions until XXXX XXXX 2014 when I agreed to pay the money that was correctly owed to resolve the case. Since then I have not heard from them until this week when I got notice of still owing {$690.00} plus interest of {$230.00} -- some two and a half years later. It is for this reason that I am reporting them to you in the form of a complaint. Also to be clear, we have continued to get services at XXXX XXXX and have no problems with our account regarding other doctors.
Bottom line is congress needs to step up and make freeze and thaw free under federal law. Credit monitoring is not adequate for the massive breach that just occurred at XXXX.
I wrote to Equifax in XX/XX/XXXX, I asked them to Verify My account information, I had a Home Loan XXXX & XXXX which XXXX co. had reported Late FIRST in XX/XX/XXXX, I asked The Name & Contact info. to be provided, in XX/XX/XXXX, They stated it was verified, They Equifax also reported XXXX XXXX # XXXX they record high amount as {$9900.00} noted see copy of report says status charged off .. It is implied they charged off the whole {$9900.00} NOT accurate, The bureau 's refuse to verify information, they just send out canned letters hoping people will go away.. It is ok for them to post anything they want on your credit, The Law Says, The Credit Info. provider 's have XXXX days to provide corrected info. and its up to " US '' as consumers to provide Information, It is now XXXX days, they addressed Nothing.. The Fair Credit laws are clear, they do not intend on following the law. see copies to show how the information was reported.
The matter is in reference to a XXXX XXXX XXXX ( XXXX ) utility account I held from XX/XX/XXXX XX/XX/XXXX. The account 's final bill was reported to Equifax Credit Bureau as not being paid. I have attempted ( three times ) to resolve this issue directly with XXXX, yet have received no response from them. While the XXXX electric utility account was in my name, payments were handled by a third party XXXX a roommate ) who failed/overlooked closing out the final XX/XX/XXXX bill. InXX/XX/XXXX, when the final bill was past due, I did not receive any email, mail or phone notification from XXXX that there was a past due balance. ( XXXX had all of my contact info. ) Therefore, I did not have a reasonable opportunity to fulfill the obligation and make final payment before the account was reported to Equifax credit bureau. In XX/XX/XXXX, I learned of the collection and immediately paid the account in full to clear the balance of {$240.00}. The collection account now shows as " closed '' with a XXXX balance on my Equifax report. Considering the facts of this matter, I am asking Equifax to remove the closed/paid XXXX XXXX XXXX account from my credit bureau report.
The Company I work for was using accepting credit cards sales using 'XXXX XXXX XXXX XXXX XXXX XXXX ' for processing. Back in XX/XX/XXXX we switched processing companies, because the rates we were being charged were very high. To make sure our new systems was to our liking, I did not cancel the original account until XX/XX/XXXX. I was told to submit my request by email or fax, I choose fax, I addressed the Cancellation Department at XXXX, as instructed requesting notice to cancel our Merchant Account # XXXX immediately. I have the faxed Transmission Verification Report, with date and time. They did charge us in XX/XX/XXXX, which I am not deputing, but then again in XX/XX/XXXX, our Company bank account was debited {$82.00}. I tried to contact the credit card company, but was put on hold so long, I had to hang up. Then in XX/XX/XXXX they charged us again {$82.00}. Finally on Wednesday, XX/XX/XXXX, I was persistent to reach someone and straighten this out. Spending over 45 minutes on the phone I spoke to XXXX at XXXX. She said they never got our faxed noticed and she checked their fax machine and it didn't show it was received. I resent with the fax print out showing original date & time. She told me " anyone could have changed time & date ''. Basically calling me a liar. I asked to speak with her Manager, again I was out on hold for 20 minutes, until she came back stating he said they could only credit me one month. I said I have proof, obliviously someone on their end drop the ball in XX/XX/XXXX. She won't let me speak to a Manager, I asked several times, I got " he's on another line '' and then " he's not in his office ''. She even accused us of using their services in XX/XX/XXXX, when their bill clearly shows No Activity. As I stated i have no problem with the XX/XX/XXXX charge. She asked why didn't I call earlier, and I said I tried but I can't be on hold as long, this call is already 45 minutes. So, I called my bank person and he said we were charged again in XX/XX/XXXX, {$82.00} and he suggest me to contact you. First, I did leave a voice message yesterday saying I was going to do this unless I hear back from them within 20 minutes. Of coarse, no call. It's not a whole lot of money, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX total {$240.00}. It's the principal. I feel this is either a scam or fraud on their part. It just not right.
Company paid my real estate taxes to town twice. They have not adjusted in timely matter and are asking for a higher escrow payment to fix. 
I have been on the phone with Round Point Mortgage since this issue was noticed in XXXX of 2016. Since then I have received incorrect escrow analysis, inaccurate year end statement, wrong XXXX to file to IRS and multiple other wrong documents. I contacted Round Point again in XXXX about the issues above. I was told a case would be opened and if there was a double payment made to tax office that they will fix the above problems. Well that time has passed and I still have a wrong escrow and tax forms, so unable to file taxes. Also, have over payment of {$17000.00} to tax office and am currently prepayed and Tax office is aware of issue. But, Round Point still would like me to pay {$25000.00} to keep my mortgage payment the same to correct their error, with double payment to the tax office until they feel like fixing the issue. So, 3 months have passed and still same problem. Multiple phone calls asking to speak to someone handling my case and they state they ca n't be contacted, but that they are still working on it. Now new mortgage payment is due, and is extremely inaccurate and double the usual. Tax office has stated that they have had no contact from RoundPoint Mortgage ever. So in contacting ROund Point again I still have not had my issue corrected.
XXXX XXXX XXXX sold my loan to Dovenmuehle Mortgage when I tried to make my monthly payment they would not accept it they said the loan had matured XXXX XXXX and wanted full payment of {$2700.00} by XXXX XXXX I informed them I did not have a balloon payment at the end of my loan and I always paid more than the usual payment, I have continually called and asked for copies of the original loan agreement and provide me proof that I owe them this money and they will not provide it to me yet they are charging me {$0.00} a day for interest while I " wait for them to get the documents '' I have a right to the information I have requested and they have not provided it to me, I am asking that they give me the information I have asked of them before paying the loan off. Thank you
I argued with a teller on Saturday XXXX/XXXX/2016. I went in to pay my mortgage for XX/XX/XXXX. They received a check for {$2800.00} but they dated my receipt for the dat of Monday XXXX/XXXX/2016. I understand that it may not post until Monday but I argued that the date on my receipt should be Saturday XXXX/XXXX/2016. They told me the reason was there is no banking on Saturday, yet they were open and received my funds that day. I think this is wrong and illegal. If they take a payment on a date that is the date the receipt should say. There may be no trading on Saturday but there is banking or I would not have been able to go in and pay this mortgage payment. If I went in to cash a check on XXXX/XXXX/2016 and dated the check for XXXX/XXXX/2016 they would not have cashed the check. What is the difference? Because they are a big bank they should not be able to make their own rules. I say this is illegal.
I have a {$700.00} loan from XXXX XXXX XXXX owned by QC Holdings. I took out the loan back in XXXX and have been paying {$220.00} a month due on the XXXX of every month. Last month they went into my bank account by electronic check. I called this month to make payment arrangements to pay full amount on XXXX/XXXX/17. I spoke with regional manager XXXX XXXX at # XXXX. I told him I was revoking authorization of the company going into my account. I was told that I could not do this as it was a requirement to get the " line of credit '' and I could not make arrangements and if I did not pay by XXXX/XXXX/17 on XXXX/XXXX/17 the company would send an electronic check to my bank. I contacted by bank who informed me that because it was not posted as ACH it may be hard for them to stop electronic check.
The company started calling me claiming I had defaulted on a {$1000.00} bill about three years ago. I have also received 3-4 mailings from them over this period. In the initial call, I asked for the original nature of the debt. They did not respond, just asserted that I owed the money. I have sent two letters to the company asking for written documentation of the debt. I have received no response, but the phone calls continue at least weekly. They leave messages on my home and cell numbers multiple times a week. I have tried to talk to them asking for written proof of the debt, and again received no specifics or response.
I was not advised that the loan that I had submitted an application for was collateralized by a vehicle but a personal loan. Having paid off a loan with this same organization in the past I figured that the same loan offering is what I qualified for. XXXX different people advised me that I was approved for the loan, but then " out of the blue '' I was told that the loan approved was for a secured product. I advised them during the initial conversation that I would not be interested in that.
In  XXXX    XXXX  , while a checking counter at a  XXXX   Sam 's Club ( No.   XXXX  ), the cashier suggested that I might qualify for a store credit card with a 5 % cash back benefit. I mentioned that I was not interested in just a store card, rather I would be interested only if the card included other benefits including cash back on purchases. She assured me that was the case. I told her to go ahead and apply for the card for me. I gave her my personal information as well as my Club membership information. I was approved within minutes and I used the card immediately for the store purchases.     A few weeks later I received the card in the mail and kept on using it at the Store and nearby Wal-Mart. I noticed it was a store card and was only limited to the  XXXX  stores. After the first and second statement cycles, I also noticed there was n't any cashback credited to my account. On  XXXX   XXXX , I called the SYNCHRONY BANK, which owns the card. I explained my disappointment and inquired if there was an error or a kind of bait and switch.     I was shocked to learn that even though the store clerk explained that they were applying for me a card with cash back benefits, they automatically applied for a second card without benefits once the first application was declined. So when I was approved it was the second card from the same bank and not the one I had originally applied for. Worse, they never told me that was the case, rather they went on to apply for the card that I did not agree to nor consent to. The Bank representative said there is nothing they can do except file a complaint on my behalf. There seems to be no recourse with the Bank  or Sam 's Club.      This is highly irregular to open a customer account different from the one offered without giving the customer the opportunity to decline. It is possible the store card are less popular so they bait customers with cash back credit cards and then switch them when they do n't qualify to the more beneficial card for the customer.     I am afraid to cancel the card after using it the last two months, fearing it might impact my fragile  credit score.