WillisBack/dataset-financial-user-claim huggingface dataset:
Financial Asset management systems ( FAMS ) has steadfastedly refused to provide me a detailed balance statement on my account. In addition, FAMS does not have a contract with me to collect student loan payments from me. FAMS is engaging in illegal and abusive debt collection practices. The only rationale that I keep receiving on why my balance jumped from {$24000.00} to {$66000.00} is " interest. '' " Interest '' is not a sufficient explanation. I never received a detailed balance statement as to how this occurred and how this new balance was calculated. FAMS is trying to Collect on a balance that has not been shown to be correct which is a flagrant violation of the Fair Debt Collections Practices Act. FAMS is engaging in unfair business practices. I have not been shown where my debt payments are being applied to. In addition, my credit report has not been updated to repayment status as I was originally told by FAMS. FAMS has repeatedly threatened me, and has engaged in abusive debt collection practices including hanging up on me and repeated threats that are in flagrant violation of the Fair Debt Collections Practices Act. Their lies regarding updating my credit report to repayment status after XXXX payments which never happened were flagrant violations of the Fair Debt Collections Practices Act.
I was a long time customer of Wachovia and in 2015 a Wells Fargo CSR tricked me out of my seniority checking account With all it 's benefits and switched me and my husband to a Wells Fargo checking account. I lost all my privileges that l Had with my Wachovia account. It happened in XXXX, Pennsylvania branch. I was not happy and closed my the Account and opened a new account at XXXX.
After reviewing my personal credit file, I notice the tradeline show a available credit limit of {$500.00}. I recently contacted XXXX ( i.e. XX/XX/XXXX ) requesting the tradeline be removed ; in addition, The accuracy of the information contained within the tradeline was also disputed with the recognized reporting agencies. The legitimacy of the account was n't in question, the information it contained was the issue of concern. XXXX was contacted again ; this time the account number & customer number was being requested. On XX/XX/XXXX at XXXX XXXX, Another inquiry was made to XXXX to see if the account was active or inactive. The representative informed me the account was indeed active, I then wanted to know why my credit file show a credit limit of {$500.00} and the document that was sent show a credit line of {$0.00}. The representative assure me it was because of past financial activity. I requested the account be closed, because with a XXXX balance the current agreement went against the company mission statement and advertisements. I again, requested the XXXX XXXX XXXX to request the tradeline be remove from my file. At XXXX XXXX a representative attempted to misinform me of the process to achieve satisfaction. XXXX credit specialist was very much in violation of the following : 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.
In addition, in the comment section under XXXX tradeline its been showing re-investigation in progress for six or months.
I signed up with a service called XXXX XXXX and linked my Bank of America account to it so that I can cash out on my paycheck early instead of waiting for payday. This requires that my account maintain a positive balance in order for them to send money to the Bank of America account. Bank of America has not maintained an active communication with XXXX XXXX to show the realtime balance in my account. As a result I am not able to cash out with XXXX XXXX and am limited in my ability to pay for things I need to survive. I need Bank of America to actively participate with XXXX XXXX so that I am not handicapped when my personal account is low in balance.
An inquiry was made to Equifax by the XXXX ( XXXX XXXX XXXX ) on XXXX XXXX, 2017. I did not authorize this inquiry and have no idea as to why it was made. I am fearful that this could be an attemped ID theft as I have not applied for any new loans or authorized anyone to access my credit record. I would like this hard inquiry removed from Equifax.
I am at the end of my loan where my payoff is less than 1/2 of a normal monthly payment. But the mortgage company will not take any payment except wire transfers, cashiers check, or title checks. If I do not make my payment by the late fee date, they are threatening to charge me an excessive late fee ( 15 % of my payoff amount ) while refusing to accept any normal payment method ( ACH/Pay-by-phone, mailed check ) even though they are already holding more funds in my escrow account then the full payment on the loan. This forced me to go to my bank and pay wire fees to avoid the excessive late fees. Also, upon payoff, the bank charged me recording fees and a release fee. These unavoidable fees plus the cost of obtaining secure payment for the final payment are not disclosed anywhere in my contract. Since they are unavoidable costs of the loan, they should have been included in the cost of the loan and APR calculation in conformity with the Truth-in-Lending Act ( TILA ). Plus, forcing the consumer to wire funds that are for a minimal amount and charging a late fee in excess of what is specified in the contract are unfair and abusive acts.
Debt was deleted from my credit report and was reinserted around XXXX without proper 5 day notice or reinvestigation notce
I tried to dispute with Equifax a credit card on my account they showed I owed XXXX , it was actually XXXX and paid off, but they wanted to prove it was me by asking when my report was locked, I looked at my report and it showed no previous lock, but he said it did and I would have to file by mail ... 

Here is the problem : all my credit report said was { File Blocked For Promotional Purposes } The other two credit reporting agencies allow for disputes without having a 10 digit number, I don't understand Equifax 10 digit number cause it doesn't show up on my report as well.
I had an account that I opened with a company called XXXX. Its a rent to own situation you lease an item with an option to purchase. I bought a product using this service, completed the lease and then exercised the purchase option via their website. The website allowed for the buyout payment to be made in several installments. I made the required payments to complete the purchase as per my bank statements, but the company kept billing me erroneously after the account was paid in full. I changed my card number to stop the billing and never heard from them again. A year later I now have a {$1700.00} collection on my credit from a bill collector on this account that I believed to be paid in full. I tried calling XXXX but they are saying they wont even talk about the account because its been sold to the collector. The collector doesn't have any details other than the balance they show owed which is also showing on my credit reports. See attached for the original contract as well as bank statements showing the buyout payments on XX/XX/XXXX and XXXX. They then billed me again on XX/XX/XXXX after I show the account should have been considered paid in full.
On my Barclays XXXX Red Mastercard, I was given an incentive to earn XXXX XXXX XXXX miles by spending {$500.00} or more XX/XX/2016. I did just that, spending {$500.00} in XXXX, {$500.00} in XXXX, and {$500.00} in XXXX. My XXXX statement even shows the miles as having been earned ( " Bonus or promotional miles earned this period + XXXX '' ), but the miles never posted to my XXXX XXXX account XXXX XXXX XXXX. My account was by closed by Barclays in XXXX, which I accept is their right ... .but the miles I had already earned by completing their bonus spending incentive should be mine to keep.
I HAVE ASKED TRANS UNION TO CORRECT MANY MANY ERRORS IN MY CREDIT REPORT. AFTER THAT I NEVER GOT A RESPONSE. SO I ASKED TO SEND ME THE CORRECTED REPORT. THEN ASKED MY ALL KIND OF DOCUMENTS TO HARASS ME. I SENT THOSE DOCUMENTS ( DMV AND BILL ) NOTARIZED. TRANS UNION WANTS SAME AGAIN AND AGAIN. AT SOME POINT I WANT TRANS UNION TO STOP HARASSING ME TO GET A CORRECTED CREDIT REPORT. TRANS UNION NEVER SENDS CREDIT REPORT WITHOUT HARASSING ME FIVE TO SIX TIMES. I AM SICK AND TIRED OF THIS HARASSMENT - THERE IS NO REASON FOR ME TO NOT TO GET A CORRECTED REPORT, AFTER DISPUTED VARIOUS ELEMENTS IN THE CREDIT REPORT.
I have lodged disputes with XXXX XXXX, JH Portfolio Equities and XXXX XXXX XXXX with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
I am frequently called by Harris and Harris at my home landline. They leave a vague message of attempting to collect a debt [ no name of who they are attempting to contact ] with instructions to call a number that is a long distance number. Even if I answer the call direct when I am home it is the same recording to call the number back. This has gone on all of 2016 and almost every day of a given week. I initially called the XXXX number to ask to be removed from the system robo-call or whatever it is. The line leaves you on hold incessantly and runs up time and I hang up. I have no debt or owe anything that would be in collections.
I tried on numerous occasions to try  to set up a forbearance account with Fay Servicing and I even tried to do a loan modification with Fay Servicing, but  I was consistently given the round around. Even on  XXXX   XXXX ,  XXXX , I submitted my application to them and I was consistently given the round around by the accou nt manager. Time after time, I emailed the account manager giving them the required documents e ven though I did that in my first application with them, but they wanted more and more documents that were even the required documents. They were delaying time because even time I sent them more and more information they said it took time to process. I had to constantly send in documents and I was on the phone many times and still did n't receive a positive outcome. I did n't even receive an outcome of whether I was going to receive a loan modification or a forbearance. I was hung out in limbo. I did n't even know that the account was switched to them because I had another loan servicing company by  XXXX   XXXX   XXXX  that I was working with from  XXXX   XXXX  to  XXXX   XXXX , but even with them there was no result. No w Fay Servicing  has me dealing with the Foreclosure program in  XXXX , NJ due to them not working with me. I have a feeling that the intention o f Fay Servicing was for them to not work with me and make an attempt for me to lose my house.
I had made a purchase XX/XX/XXXX from XXXX using my Barclays Credit Card, they offered me a 0.00 % promotion with deferred interest for 18 months. I saw XX/XX/XXXX they had charged me {$610.00} in interest on XX/XX/XXXX, {$30.00} on XX/XX/XXXX & {$29.00} on XX/XX/XXXX. I called Barclays and spoke to their customer service agent, he told me if I pay the outstanding balance he should be able to waive the interest fully and I did ask is it okay if I make the payment on XX/XX/XXXX, and he did say it was fine. So today Being XX/XX/XXXX, I called Barclays to schedule the payment and get my interest waived, they started playing games, told me its too late, and transferred me over to their security department to verify if it was really me because my name is XXXX & its a common name for a guy from XXXX. I even told them if I was someone else I would not be concerned about interest Barclays have charged me, I would not call to make a payment and get it waived. So now I am stuck, I had a balance of about {$900.00}, for which they charged me interest of almost {$700.00}. Please help me get it waived.
It states that I applied for a chase card which I did not. In XX/XX/2017 that is a hard inquiry that's on my report.
Our ING online account was purchased (? ) by Capital One. My husband tried to access our online account and was locked out. After waiting on hold for up to an hour each time over a week, he was able to reach someone who said our account would be unlocked and it would take 5 days. That was two weeks ago. He has been trying ever since to reach a person at the phone numbers they have online and in the documents they mailed to us to no avail. He has been on hold each time for up to an hour each time. We can not access our money and can not get a hold of anyone to make that happen. We have no idea what to do now.
On XX/XX/2018, I attempted to deposit {$1200.00} into my bank account via Western Union. 

It was supposed to arrive the next day and still has not arrived two weeks later. According to WU, XXXX XXXX  credited my account. This is not the case. Feel free to check with XXXX XXXX. 

At one point we attempted a three way call between myself, XXXX XXXX   and Western Union. WU hung up. 

WU has repeatedly given me the runaround at one point stating the confirmation number was XXXX. Yes, XXXX. 

Now that I am asking for a refund I get placed on perpetual hold. 

I'm not really sure what to do. I have spent hours on the phone trying to get a resolution of some sort, to no avail. 

WU transaction # XXXX WU Investigation # XXXX My WU # XXXX XXXX phone # XXXX ( saying " More options ... more options ... more options ... none of these. '' Will speed things up ) XXXX XXXX  phone XXXX ( no real speedy options )
I was approved for a short sale and my lender approved it. I was just told that my home will be foreclosed on after I was already approved and now it was denied.
I am writing CFPB again in response to DiTechs comments and because I am still seeking relief per CFPB from DiTechs harassment, which is beginning once again, already. DiTech is AGAIN Ballooning my account balances and sending me threatening monthly letters as if they are unafraid of any legal action against them or the revealing of their cycle of threatening and harassing actions against me through my post to CFPB and other agencies. As you will recall I received through DiTechs methods a letter : 1 ) OnXX/XX/XXXX stating that I could get help to pay their fictitious balance of my account ( DiTech ballooning my account balance over 2 monthly payments ). 2 ) OnXX/XX/XXXX I received another more harassing and threatening letter stating that DiTech will accelerate default into foreclosure unless I pay a certain amount of money to them. They stated that this fictitious amount is the TOTAL AMOUNT DUE of the months through the date of the letter as the date of the letter reads. ( NOTE : I paid this amount in 2 installments BEFORE the due date. ) 3 ) I also made a XXXX payment 4 ) So the question is : How can I then receive a letter the following month,XX/XX/XXXX, starting the cycle of harassment over again, stating that I can seek help for over 2 months of unpaid previous payments? This after paying payments for a letter that states TOTAL AMOUNT DUE. 5 ) How also can that same months billing statement reflect over 3 months past due? XXXX Billing statement shows me owing still {$1900.00} and then next month, XXXX Billing statement, shows me owing almost 2xs that for almost 4 months of payments at {$3100.00}. 6 ) More importantly, I paid over {$1900.00} Before XX/XX/XXXX and the payments listed for me through DiTech, for that month are only {$1000.00} Where is the rest of the money I paid? 7 ) The 2 payments I made in XXXX are NOT AT THE BOTTOM OF ANY BILLING STATEMENTS. They should be at the bottom of at least Mays Billing statement, BUT SOMEHOW HAVE VANISHED Please request documents as I have sent most in the previous complaint to you. While others are on the DiTech site webpage letters dated XX/XX/XXXX and XX/XX/XXXX are not on the site but were mailed to me and have been submitted to CFPB. If you need more documents please let me know. I am sending this complaint because while I have responded to the companies response on this site I do n't know if you received it so I am opening up a new opened complaint referencing # 's XXXX, XXXX, and XXXX
I have been helping my sister apply for a reverse mortgage. I bought a home approximately 16 yrs ago through a mortgage and sold it to her on a land contract to help her out. Difficult times costs her a second job so it got tough for her to make the payment these past few yrs. When she turned XXXX she applied for a reverse mortgage ( XXXX 2016 ). At that time she stated she had a land contract and asked if there would be any issues-we were told no. Now after three months and {$450.00} in an appraisal fee, there are issues. They are accusing us of trying to get money falsely. I am not sure where this is coming from. I owe {$11000.00} on the mortgage, she owes me more and the funds she would get from the reverse mortgage were {$22000.00}. I would be taking a loss on the home but one does what ones has to when helping family. Main goal was to get her out of a mortgage payment. Our issue is the timeline this has taken and the guarantee she qualified for this mortgage-paid out {$450.00} and then told no.
Previously an account showed up on my credit report from XXXX, I asked them to verify this account since I never had an account with them. They were unable to verify it and removed it from my credit reports. Now this company, JH Portfolio Debt Equities is trying to collect on this same account. I have sent them letter via certified mail disclosing the laws and I need verification. They were unable to furnish any documents to me so far and it has been 45 days. This is a clear violation of the debt reporting act. Their phone number is listed as XXXX on one of my reports. I want this removed from my credit reports as this account is not mine.
These all need to be verified for accuracy. This is the companys job to investigate their validity. My information was breached by several companies and these are not my inquiries. They need verified and if not verified, they need removed
I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}.

I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. 

I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. 

I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.
Grenn TRee LLC Has been charging me for home owners insurance since XXXX of 2015 with uot my knowladge or concent. They also made a payment to my own homeowners policy XXXX with out my knowladge or consent. They then shorted my escrow account for the month of XXXX and are now asking me to pay for it. For some unknown reason for the month of XXXX 2015 my mortgage payment went from {$1400.00} to only {$840.00}. I called them XXXX and asked why and no one could give me a clear answer only sumizing it was for the insurance charnges. Now they are asking me to pay for a {$530.00} escrow shortage? Can you please investigate these discrepencies? Thank you.
Back in XX/XX/XXXX a claim showed only on Equifax. I contacted Equifax, got the phone number and contacted the collection agency. They could not find my account. This was disputed with both Equifax and XXXX Outcomes via XXXX Certified Mail XX/XX/2016. Response in writing was requested and there was no response. XXXX responded to Equifax ( according to Equifax ), but did not contact me nor send me the information requested under my rights by the XXXX XXXX. I simply requested name and address of original creditor. The original date of default or non-payment of the debt with the original creditor. The date the debt was transferred from the original creditor to the third party debt collector. The original balance. Any fees added by the agency under XXXX ( a ) ( XXXX ). Texas XXXX bond information as required by XXXX. I received no response and have not received any response since XX/XX/2016. I filed a second dispute with Equifax and Equifax again said, " XXXX said it 's yours ''. I am filing a complaint with you and I will be writing a formal letter to Equifax requesting the letter be presented to any creditor reviewing my report. I still to this day ( XX/XX/2016 ) have not received anything from XXXX. This is not my account and furthermore they refuse to send me any information proving it is my account. Because they do n't have it. This is on my credit report and needs to be removed.
I maxed out a credit card many years ago. Then I could not make payment. Someone else used to take care of my finances. That person filed a court hearing and these people never showed up. The person that was over my finances no longer is and now since 2013 this debt collector has been sending letters, callng after 9pm on Sundays, they have talked down and rude at times making me feel threatened to take my money which is only my Social Security retirement. I have seen their name each and every month on my credit reports that is how they get a new address and my phone number. I do not answer any calls any longer that I either don't know or if it has their name attached. I can not take the harassment any longer. I was diagnosed in May last year with XXXX. Most days I am lucky to be able to get out of bed. I hide constantly in my home because of these people. I have written to them, called them and now I just want them to leave me alone.
I received a NOTICE OF SERVICING TRANSFER from XXXX XXXX XXXX dated XX/XX/2018. It listed the current servicer as Summit Funding c/o XXXX XXXX XXXX ( NMLS XXXX ) and  the new servicer as Summit Funding. After calling the company, they said the note was transferring to a completely different company than the company listed in the notice. This presents a clear violation of 12 CFR 1024.33 ( b ) ( 4 ). Further, rather than omitting information, the notice contained misleading misinformation. After some phone calls, I was given information that my new servicer was XXXX XXXX XXXX, XXXX.