WillisBack/dataset-financial-user-claim huggingface dataset:
Some years ago, I rented a home through XXXX XXXX XXXX XXXX. The lease contained a 30-day termination clause in the event my job relocated me, which is exactly what happened. On  XX/XX/XXXX, I sent written notice to their office in XXXX, GA that I would be vacating the house due to employment relocation in XXXX, GA. 

On XX/XX/XXXX, I received an invoice from XXXX XXXX XXXX XXXX XXXX, showing {$1200.00} due. There was a {$1000.00} deposit on file. I made payment for the {$230.00} expecting that they would keep the {$1000.00} deposit, which would clear the debt in full. I have retained a copy of the invoice and can provide it if need be. 
However, around XX/XX/XXXX, Hunter Warfield began trying to collect a debt from me regarding XXXX XXXX XXXX XXXX claiming that now somehow -- {$3200.00} was owed. Worse, by XXXX, with interest/fees/etc. added, Hunter Warfield is now claiming {$3700.00} owed. 

First, I have no idea where the {$3700.00} figure came from. XXXX XXXX XXXX XXXX sent an invoice to me stating that {$1200.00} was the amount due with a {$1000.00} deposit on file. So even if I hadnt of settled the {$230.00}, it is still beyond explanation how the amount could multiple exponentially couple of years. 

Again, I very much dispute ANY debt is owed to XXXX XXXX XXXX XXXX. Since I shouldnt owe anything, I am absolutely flabbergasted that Hunter Warfield is trying to collect more than TRIPLE the original invoice amount from me. And, they are reporting it to the credit reporting agencies as though the initial amount owed was {$3200.00}. I have disputed this debt numerous times and each time, Hunter Warfield continues to verify it as accurate. I can only assume this means they know they are wrong and dont care.
1. On the basis of CashCashcall web ad, XXXX XXXX/XXXX/2015, I filed the application online for 15 year fixed 2.75 % mortgage loan with no closing cost. 
2. Cashcall sent me the confirmation but without the rate lock. Then again changed the loan rate at 2.875 % for 15 year fixed with {$990.00} Cashcall Lender fees but again no lock-in rate. 
3. on XXXX/XXXX/2015 I talked to XXXX XXXX XXXX XXXX Cashcall and asked to match the rate & terms offered by Quicken loan i.e. 2.875 % fixed 15 year mortgage with {$170.00} lender fees. He asked me send their e-mail so that Cahcall will match XXXX Loan rate & terms. 
4. My e-mail of XXXX/XXXX/15 indicated to Cahcall that even though Cashcall Ad shows 2.75 % 15 year Mortgage with no cost, why their disclosure shows it at 2.875 % for 15 year loan with {$990.00} fee cahcall total fees. 
5. How ] ever, e-mail of XXXX/XXXX/2015 indicated that the total money required at closing would be {$140000.00} while the title company XXXX Form shows these as {$130000.00} which exclude the Cashcall fee plus the home insurance cost which would definitely be much less than {$15000.00}. I asked the loan processor XXXX XXXX XXXX to provide the detailed explanation for this difference but so far he has not provided me the detailed explanation. 
6. Cashcall e-mailed that they did approved my loan but so far failed to provide me the final commitment letter with their promised fees of only {$170.00}. They are using the delaying tactics of asking the XXXX forms of the stocks which I do n't even own now. Well, they e-mail me of XXXX or XXXX at a time asking for the same documents copies which I already gave before. Thus filing to provide the final commitment and the detailed expenses as per their oral promise and making sure that just couple of before the closing they would jack their fees extensively and forced us to p [ ay much higher expenses that their initial disclosed XXXX plus failing to match the promised quicken loan rate and terms. 
I believe that such practices are not only unethical but may be even illegal. Hence, I seek your immediate help on this matter.
I have two issues with Paypal.com. First issue is that I am not able to receive funds from XXXX  buyers. I have spent hours and hours of time on the phone with over a dozen times including supervisors to remove the limited access from linked XXXX account. XXXX has said only Paypal.com can remove, and PayPal says it is fine on their end. 

Second issue is that there was an unauthorized transaction for XXXX from my XXXX XXXX account. This payment was to be sent from my XXXX bank, and was further cancelled by the recipient, however my XXXX XXXX bank still received a request for FUNDS. I submitted a resolution request, and their canned response was it was authorized as usual. I have provided the last two payments showing it was taken out from my XXXX account. The XXXX XXXX payment that I did NOT authorize shows as cancelled. XXXX XXXX has charged a {$35.00} fee because of this glitch or mistake. I had close my bank account for fear of a compromised account.
Borrower is XXXX XXXX XXXX XXXX XXXX ( PRA ) is refusing to respond to us, will not answer the phone, will not return phone calls, and will not respond via email. 

We are trying to clear a lien that clouds title on a property that went through a Chapter XXXX BK. Since XX/XX/XXXX we have called multiple times a day, left voicemails, emailed several times, and even tried to get a supervisor in that department on the phone. PRA will not answer their phone, will not return phone calls, and will not respond via email. 

I need a response from them or this file will go to foreclosure.
I was working with a mortgage loan officer and he kept promising me the moon and stars only to come back later and tell me that he could n't deliver. He then kept sending me documents with certain amounts that I would be responsible for at closing only to turn around and tell me in an email that I would be expected to bring an extra {$2000.00} to closing and when I sent him a copy of the document that he had me to sign, he acted like he did n't know what it was. Then when I had finally had enough of the back and forth from him and his empty promises, I went to a different lender and because the loan is FHA, they had me to sign a form stating that I wanted them to release the case number to the new lender. That is when he emailed me copies of a float down agreement that I signed, the first XXXX was for USDA signed on XXXX XXXX, 2016 that stated that if did not close a loan with their company that I would be charged a fee of {$970.00}. When I emailed him to inform him that this was n't a XXXX loan and that the document signed was irrelevant, he then sent me a copy of the FHA document that I signed on XXXX XXXX, 2016 which was signed before the XXXX loan that he promised me that he could deliver and said that I would be charged a fee of XXXX if I did n't close that loan with him. That document became voided when he had me sign the document for the XXXX loan, however, according to the terms outlined in the document. This guy has been using hostile tactics and basically holding me and my bank account hostage so that I use his company to close my loan. He has threatened me and told me that he will be forced to take that money from my account when he never even explained what the document I was signing was for. The only reason he had my bank card number in the first place was because I gave authorization for him to charge me for the appraisal and now he is going to use my bank card information from the appraisal to charge me this bogus fee that he is coming up with in the XXXX hour basically. I have since then decided not to continue with any loan and not to even try to buy a home at this time because of all the XXXX frustration involved in this matter with this lender. For me and my family having to pay a nearly {$1000.00} dollar fee is a huge amount of money. Money, that we work hard for each day to be able to provide for ourselves and my fianc 's daughter, as well as our fur babies. That is definitely not something that I just want to hand over to him for services that he has n't even provided to me.
XX/XX/XXXX or XX/XX/XXXX I bought a bed from XXXX financed thru synchrony bank. our original credit limit was XXXX. 
the terms were XXXX years no interest if paid in full. we pay each month on time and over the required amount. well ahead of schedule of the XXXX year terms. each time we pay a substantial amount they reduce my credit limit, this causes my credit profile to continually show a maxed out credit card and adversely effects my credit score, limits and interestI spoke to them and was blown off. if they continue to lower my limit to my balance amount it will continue to show a negative value on my score. this procedure they use is unfair to consumers and is wrong. my beginning score was lowerthan now but this makes it worse
I am writing to complain  American Express Credit Card.      Because  A  merican Expresss mistake and misoperation, I become a victim of internet fraud. At  XX/XX/XXXX , I made an online trade with the fraudster ( email owner of  XXXX  ). The fraudster made a {$20000.00} bill payment to my American Express credit card, and I did not deliver the products until the payment status change from pending to complete. Because it is a large amount of transaction, during the period ( from  XX/XX/XXXX   to XX/XX/XXXX  ), in order to verify the payment, I called and double checked with  American Express for 3 times. Every time, I got the same response that the transaction is cleared and complete, and American Express has already received all the money and paid to my account. After the fraudster received all the products, the fraudster totally disappeared and I can not get in tou ch with him anymore. So I realized that the transaction is a fraud, and at   XX/XX/XXXX , I ev en reques t American Express  to freeze my account and hold all the transactions. However,  American Express di d not hold the transaction and reversed the {$20000.00} payment back to fraudsters account at  XX/XX/XXXX . I have contacted them for getting the fraudster 's account number and bank information. However, they said they do n't know. I have attached the fraudster 's payment record and payment reverse record to this complaint.
A company is harrasing me by calling me, my father, and my grandmother telling me I have a warrant out for my arrest. At XXXX, it was aggravated assault and then they corrected themselves and have told me it was for check fraud under a law titled Check XXXX Law. 

They had all my personal information that dated back to when I was in highschool and had a bank account with XXXX XXXX XXXX. I found out that they work with ChecknGo and that they are requesting a debt that was paid off years ago. They did n't even know the difference between the city and the county. They told me XXXX, XXXX was in XXXX XXXX. Which it is not. 

They 're number is XXXX which is in XXXX. They are saying that they are a district attorney office. I called the state Marshall and the prosecutor office. They had nothing on file with my name. I want them to stop harrasing me.
A bill payment that was initiated through Wells Fargo Bank 's online website was delayed beyond the " 1 - 5 business days '' quoted ( and posted in writing ) online. Consequently, the payee received the bill payment late. The excessive delay created late fee ( s ) and interest charge ( s ) for the payee. As such, I requested that Wells Fargo Bank contact the payee and provide a XXXX XXXX translator, so that the payee could fully understand the conversation. A manager in the Bill Payment department of Wells Fargo Bank refused to provide this XXXX Translator. Further, one of the employees in the Bill Payment department made at least XXXX false statements regarding providing a XXXX Translator.
HUNTER WARFIELD, INC Agency Address :   XXXX   XXXX   XXXX   XXXX    XXXX , FL   XXXX   Date Reported :  XXXX /2017 Original Amount Owned : {$280.00} Balance Owned : {$280.00} Comments : No action was taken. No letter was received from Hunter Warfield or their client. I 'm in the process of purchasing the home and saw the debt on my credit report. I called Hunter Warfield to inquire on   XXXX   XXXX   2017 and was told that it was an attempt to collect a debt but they have no information or breakdown of the charge. Explained I did not receive a call, email, or letter from their client regarding any debt nor have I received anything from them. On J  XXXX   XXXX   2017 I called to verify email address and physical address for Hunter Warfield. The rep. gave me the information. However, my email address was blocked. I called back to verify the email and even had another rep. email me and when i replied to her email, it blocked me as well.
I am XXXX I went to hearing and provided papers showing I have applied for social security XXXX but was waiting for a date for going to the Administrative Judge she made notes and put in file but yet still this happen and it should have not happen been trying since XXXX/XXXX/2010 XXXX XXXX XXXX XXXX XXXX # XXXX {$570.00}
In XXXX Id fallen behind on my mortgage and was working on a modification with XXXX XXXX  that was taking forever.XX/XX/XXXX  there was a huge flood in XXXX XXXX that took at least 65 thousand homes including mine with 4ft. of water taking everything I owned except clothes on my back and truck I left in. 
Still going through modification, gutting house, finding new place to stay and get life back on track - not easy after all this. 
XXXX XXXX insurance finally payed for damages but because house is in modification the mortgage co. will not release the funds to repair the house. XXXX XXXX Changed its name to XXXX XXXX and sold my loan to XXXX XXXX and the modification process had to start all over. Going back n forth with paper work the loan went back into foreclosure status. On XXXX XXXX I received a letter asking for more paperwork and on XXXX XXXX house was sold in Sheriffs sale with no knowledge by me. Getting home on XXXX XXXX finding a letter on my door stating home was sold and I need to vacate in property ASAP. 
Talking to the flip company that bought the house in sheriffs sale informed me I should be intitaled to the insurance money sense the mortgage co. and I have no more ties with property. Ive contacted XXXX XXXX   about this and I get hung up on, told dont know what your talking bout or just given me the runaround between departments. 
Should the insurance money be available to me because of the situation? 
Please help!!!!
the account ( letter attached ) has an inaccurate late reporting on my credit reporting agencies all three. 
i have received a letter from XXXX XXXX XXXX itself stating that this inaccuracy must be removed, please help me to have this removed from credit bureaus. 
thank you
The company name is PayPal. XXXX XXXX : XXXX They held my funds with no reason. They asked me for some information which I provided succesfully on XXXX/XXXX/XXXX. Now Im waiting for a response because we are loosing a lot of customers.
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX.Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have unknown or fraudulent addresses, appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses:XXXX XXXX XXXX XXXX XXXX, XXXX , PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. This 2nd tempt to remove the items and requesting a freeze.
I purchased a central air conditioning unit from XXXX XXXX XXXX with my Home Depot credit card. XXXX XXXX XXXX  is the company Home Depot uses. I made this purchase on XXXX XXXX, 2016 from a sales person sent to my home. The unit was installed on XXXX XXXX, 2016. The price was {$9400.00}. After the installers left I noticed the air coming into the bedrooms was hot air so I called them to come back. They came back the next day and said there was nothing wrong with the unit. I did find out later from the gas company that it had been hooked to the furnace when they installed it incorrectly. Evidently, on one of their trips to my home they got that part fixed but, it still did n't cool as it was suppose to cool. I was told by the salesman XXXX that he had given me an estimate to replace the duct work. He never even mentioned nor gave me any estimate of duct work. He then said, " I have been in this business long enough to know how to protect my XXXX ''. He said he would not help me and then hung up on me. I contued to call them and called Home depot as well. In XX/XX/XXXX I became very ill and had ungone XXXX XXXX. I was not able to continue calling these people. Then I had another XXXX XXXX on XX/XX/XXXX of this year. At this time the heat began to get higher so I called Home Depot. They said the prblem had been resolved and XXXX XXXX XXXX had replaced the duct work. They had never done that. Finall about a month ago they came in and replaced a portion of the duct work but, now the temperature has a variance of 7 to 10 degrees different in the bedrooms from what the thermostate is set at. I 've called Home Depot again and they said they no longer deal with XXXX XXXX XXXX so there is nothing more they can do. I have called XXXX XXXX XXXX and they will tell me they are sending out someone but, they simply do not show up. I have told Home Depot that I will not be making any further payments until this is made right. No one is doing anything and I believe the price they sold this unit for should be cooling the home.
In attempting to secure a mortgage, I have been closely monitoring my credit report. On XX/XX/XXXX Citi reported a balance on a card that I have on them. Since XX/XX/XXXX, I have made a multiple payments in the amount of {$1600.00}, {$250.00}, {$1300.00}, {$1500.00}, {$1400.00} and {$95.00} to payoff the balance on the credit card as well as maintain the zero balance. As of today, XX/XX/XXXX, Citi has not reported to any credit bureau since then, while telling me it is there policy to report every 30 days. The first agent that I spoke to stated that my information was reported " accordingly '' since the inception of the account. When asked what " accordingly '' meant, he stated multiple times that it was every 30 days. Upon counting 30 days fromXX/XX/XXXX with the agent, we concluded that an update should have been sent on XX/XX/XXXX. At this time XX/XX/XXXX, I have paid for a credit report daily from the three agencies to see if Citi has provided the updated score so my lender is able to pull my final credit to close on my house. To this date, Citi has not provided the updated score and customer service was not able to provide any resolution that was timely. The first option provided to me was that I mail a letter to the credit risk department but was not provided with what the credit risk department could do or how they could help. When asked what I should include in this letter, I was told to " just explain my problem. '' This felt like, send your issue off into oblivion so I can hang up and move to an easier call. Secondly, the supervisor told me that she could open a dispute directly with the agencies but I have already done that and this would take 7-10 days to see if the agencies have anything to say. ( This does not make sense as the agency is not responsible for Citi reporting my score and the agenices have already told me Citi has not sent an update since XX/XX/XXXX ). Finally, she said she could have the credit team push my updated information but it would take 30 days for that to appear. If this were the case, it would take Citi 68 days to update to the agencies, after promising they update accordingly, every 30 days. The irony here is that it doesn't take 30 days to show a new line of credit when opened with Citi but yet it takes 30 days to report a zero balance and a several thousand dollar increase in a credit limit.
I received debt collection calls around XXXX XXXX from Diversified Consultants, Inc ( " DC '' ). DC was trying to collect a debt for XXXX XXXX XXXX in the amount of {$1000.00}. I immediately informed DC that the account was fraudulent, that my identity was stolen in XXXX XXXX when my wallet was stolen, and that I did not authorize the accounts at the service location. Contrary to DC 's XXXX XXXX, XXXX response to Complaint XXXX. XXXX, the account was NOT delinquent before my identity was stolen. The fact that DC 's records does not reflect their debt collection efforts correctly ( i.e., does not show that I identified this account as fraudulent upon first receiving a debt collection phone call ) highlights their negligence. To make it perfectly clear because we are obviously dealing with a company that does not keep adequate records : MY IDENTITY WAS STOLEN IN XXXX XXXX. The XXXX XXXX XXXX account became delinquent in XXXX XXXX. I was informed of the delinquent, fraudulent debt in XXXX XXXX and informed DC AND XXXX XXXX XXXX that the debt was fraudulent and reported the account to the XXXX Police Department to be included in my identity theft report. Thus, as of XXXX XXXX, both DC and XXXX XXXX XXXX knew the account was fraudulent yet continued to report the account to the credit bureaus on XXXX XXXX, XXXX. 

The XXXX XXXX XXXX account serviced a house in the XXXX XXXX, Texas area. DC informed me that it had marked the account as fraudulent and that a " fraud packet '' would be sent to me in the mail. I did not receive a single " fraud packet ''. Not only did I inform DC that the accounts were fraudulent, but I also informed it I had a case file open with the XXXX Police Department - XXXX XXXX XXXX with Incident No. XXXX. After receiving more debt collection phone calls, I decided to subscribe to XXXX to monitor my credit and safeguard my identity. It was through XXXX that I learned that DC had filed the collections on my credit report. I immediately called DC numerous times and leaving multiple voice mails. No one returned my calls. I recently received letters from my credit card companies saying my credit limits have been reduced by a total of {$8000.00} as a result of these collection items being reported on my credit. Through the advice of XXXX, I have filed disputes as to the collection items on my credit reports with XXXX  and am now filing a complaint against the DC for knowingly reporting a fraudulent debt on my credit and causing me {$8000.00} in damages, at minimum. Please note that I will be seeking all available legal action in addition to filing this complaint. If the CFPB would like copies of my incident report from the XXXX Police Department, please let me know and I will do all I can to facilitate the delivery of those documents for its review in this investigation.