WillisBack/dataset-financial-user-claim huggingface dataset:
I applied for a line of credit with XXXX XXXX, and this company posted an open collection. 

I NEVER received any notice of any debts, ever. At ANY address I 've ever used. 

This was also NOT my debt. 

They claim it to be from XX/XX/XXXX, but I have never incurred any debt, anywhere. So I researched this company with HORRIFYING results. They 've been harassing, falsely opening accounts, and using illegal tactics to get money since well before XX/XX/XXXX. And they 're still somehow allowed to continue operations with their multitude of consumer and legal issues being well known for years now. 

After finding them through XXXX, the real struggle began. Their Cudtomer Service is ALWAYS down and the voicemail for XXXX is ALWAYS full. Leaving no way to contact them. I had called them over and over to no avail. I had to dial in random extensions until a human finally answered. When I FINALLY got a human on the phone, I was told that I had to send ONLY them a written complaint by mail. 

THERE WAS NEVER ANY MENTION OR NOTICE SENT ANYWHERE OF A RIGHT TO DISPUTE, NOT ENOUGH INFORMATION ( EXACT DATE WAS NOT FURNISHED ), AND I 'M POSITIVE THIS IS NOT MY DEBT. 

I am certain that complaint would fall upon deaf ears and blind eyes. I prefer to report them to an agency that will actually investigate them and their decidedly unscrupulous business tactics.
I would like to file a formal complaint. I have a Paypal Credit account that unlike many other credit account allows for " flex '' in the credit limit. This flex allows for charges to appear to go through and be approved to be charged to PayPal Credit but in turn charge through directly to a linked checking account. This form of lending does n't seem to be fair. If the transaction is approved by PayPal, the charge on the account should be honored rather than forwarding it to the checking account. Having these additional charges go through after they appear to have been approved has caused overdrafts on checking causing me to be in bad standing with my primary financial institution. This is deceptive lending.
Today, XXXX/XXXX/16, I received a XXXX XXXX card with my name on it, which was referred to as a prepaid XXXX card. It was from " netSpend '', XXXX XXXX XXXX, XXXX, TX XXXX. I did not request the card and have never heard of the company/bank which claims to be FDIC.
I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise me?
XXXX collection agency reaged acct to XXXX/XXXX/XXXX & reinserted after it had been removed. I spoke with a woman attorney located in TX in XXXX that was handling the account for the original creditor. She advised the account had been resolved do to vehicle being resold and funds from bank accounts had been withheld. I never received anything in writing stating an amount owed or agreed upon. The account had been deleted by original creditor after vehicle was resold. XXXX collection agency has reinserted and reaged an account that was resolved with creditor. There was never any verification or validation in writing of alleged debt when requested XXXX/XXXX/XXXX via fax and XXXX/XXXX/XXXX via certified mail. The credit bureaus stated collection agency only verified name, ssn, dob and never provided written proof of debt with all documents. Per FCRA written proof and notification is required. Also a resolved account can not be reaged and reinserted to credit file.
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against CONVERGENT OUTSOURCING. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
XXXX has continued to charge the wrong account even after I have changed the method of payment linked to XXXX. As a result, my bank of america account has been charged an exorbitant number of overdraft fees and my balance is now negative. I have tried to speak with customer service, however the bank 's proprietary software does not allow more than a certain number of fees to be refunded and prevents any autonomy within bank branches and for customer service agents. This is unnecessarily punitive and anti-consumer.
The creditor fails to provide the legal notice, breaches the peace, or violates any other law related to repossession then a wrongful repossession has occurred. Within 120 days of the Effective Date, not call a particular phone number related to an account if any person has requested, orally or in writing, that XXXX BridgeCrest stop calling such number or has stated, orally or in writing, that the consumer that XXXX BridgeCrest is trying to contact can not be reached at that number ; Must not communicate with any person including references. Requested to do so by the person after the account has become delinquent or XXXX BridgeCrest reasonably believes that the earlier response of such person is erroneous or incomplete and such person now has correct or complete location information ; and XXXX BridgeCrest has not had contact ( meaning outbound call with right party contact or inbound call, email, or letter ) with the consumer in 30days or more. Must not communicate with third parties, including references, after the third parties have requested, orally or in writing, that XXXX BridgeCrest not communicate with them must take the following affirmative actions within the time periods provided : Within 30 days of the Effective Date, not adopt and implement reasonable policies and procedures to prevent communications that would be violation damages to the accountholders. Must not communicate with consumers at their workplaces if consumers have requested that XXXX BridgeCrest not communicate with them at their workplaces fully aware XXXX BridgeCrest knows that the consumers ' employers prohibit communications to their workplaces XXXX of FL adhere no personal use company 's property business lines, fax, copier, email and computer system etc.. The written consumer information furnishing policies and procedures that Furnisher Rule in compliance effective date cease furnishing information related to a voluntary or involuntary repossession verified the information is falsehood written that must be permanently block the refurnishing of the inaccurate information the accountholder motion name XXXX instance that Motion Consent Order requires the Board to ensure adherence to, or undertake to perform, certain obligations of XXXX BridgeCrest, the Board must : a. Authorize whatever actions are necessary for XXXX BridgeCrest to fully comply Motion with the Consent Order ; Require timely reporting by management to the Board on the status of compliance obligations ; Require timely and appropriate corrective action to remedy any material non-compliance with any Board directives related to this Section the act of wrongful repossession, property damages my property was harmed, stolen end up missing during the repossession, and consequential damages the repossession hurt your credit rating and has impacted my ability to keep my job majority required you must have reliable transportation not public transportation means of traveling and more. Left myself self with our support of living to buy food and more. They refuse to accept my emails that are legal form of contact in writing my statements to communicate in writing. ASK ME!
They bill me a {$2.00} fee on  XXXX / XXXX /  XXXX   for ATM use, when I 'm not supposed to pay a fee.
THIS IS GETTING VERY AGGRAVATING, SINCE THIS IS THE 4TH TIME I HAVE TRIED TO GET THIS PROBLEM RESOLVED!!! Equifax is continually reporting payments being made on a CLOSED XXXX XXXX account! Please look at my history of complaints and I am STILL waiting on Equifax to resolve my previous complaints. Equifax just reported my XXXX mortgage payment, along with my XXXX mortgage payments, to the CLOSED ACCOUNT ONCE AGAIN!!! Is there anyone or any agency that governs Equifax or are they just free to do whatever they choose and XXXX around with people 's credit which affects their score??? Better yet, is there anyone who really cares??? I have suffered financially due to their ERROR, as I have not been able to obtain funding for my business!!! What can be done other than sending complaint, after complaint, after complaint and nothing is HAPPENING???? I am not satisfied with any service I have received!
I applied for a loan modification today and SPS would not talk to me about the modification. The representative stated that he referred my account to a foreclosure attorney. SPS is practicing dual tracking. This is illegal and I think that SPS is doing this to me because Im XXXX XXXX. My constitutional rights have been violated. I would like to be offered a modification l like the other XXXX   people in my neighborhood. Also, please know that my home is tied up in litigation and thus SPS can not foreclose on my house.
On XX/XX/2013 I was highly pressured into buying an over priced used vehicle with a {$1000.00} down payment on a {$19000.00} installment account from XXXX XXXX XXXX ( Address : XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX ). Shortly after entering the agreement and without warranty I found out that the car in question was on recall for a faulty motor and after paying for repairs I fell behind on the payments causing severe late fees and interest ultimately resulting in repossesion of the vehicle. There was no offer to deduct fees or interest on late payments in an attempt to get the account in a current status. After selling the vehicle to another person, the balance of the sale was charged to me by a collection agency in the amount of {$10000.00}. This has affected my credit score greatly and damaged further attempts to obtain credit.
Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.
Bank of America charge me, {$140.00} in overdraft fee 's. Bank of America had me signed for tex, and email messages to alert me of any low balance so i was able to replenish my account. As of XX/XX/2017 i checked my balance was XXXX cents, Today XX/XX/XXXX i found the overdraft. i never was alerted as prior times.I 'm XXXX, i spoke with the bank and they said it came in at closing time, how convenience for them.
I closed on my home in XX/XX/XXXX. I worked with XXXX XXXX XXXX  and I got a 30 year fixed rate loan. 

Within the first 2 months Wells Fargo - Home Mortgage took over my home loan. 

My monthly mortgage payment at that time and for the first year, until XX/XX/XXXX, was {$870.00}. 

In XX/XX/XXXX, I received a communication from " Wells Fargo - Home Mortgage '' stating that my escrow account " has a shortage of {$1100.00}. '' The letter ( attached ) gave me two options ; 1. pay the shortage of {$1100.00} and my monthly mortgage payment would now be {$930.00}. An increase of {$57.00} per month for the next year. 

Even If I pay the shortage My monthly mortgage payment still increases by {$57.00}??? 

OR 2. not make the one time payment (? ) and my monthly mortgage payment would now be {$1000.00}. An increase of {$150.00} per month for the next year. 

This was a fixed rate home mortgage loan. 

I've contacted both XXXX XXXX XXXX and Wells Fargo Home Mortgage. I was told that my taxes and insurance on my house had gone up so I would have to make the payments. 

I can't afford to pay {$1200.00} out of my pocket for the escrow adjustment, nor can I afford an additional $ XXXX {$150.00} per month on my monthly mortgage payment for the next 12 months. 

I am XXXX years old. I am " fixed '' income. My social security check went up {$3.00} per month. 

I am not their first home mortgage loan. How could Wells Fargo be so far off on their estimates. Is Wells Fargo Mortgage luring in potential buyers with low monthly mortgage payments and then jack-up the rates a year later? THIS IS JUST WRONG. 

Will this happen, AGAIN, next year or in following years.
I have contacted XXXX, about a unauthorized inquire showing up on MY XXXX and Trans Union credit report back inXX/XX/XXXX. I have reached out to XXXX several time from XX/XX/XXXX toXX/XX/XXXX with no resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind. <P/>I have been a victim of Identify theft twice within the past 10 yrs. I have contacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all 3 credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.
I fell behind on my mortgage. I hired an attorney to help me apply for a loan modification. My attorney faxed in my application and a third party authorization to Carrington Mortgage on XX/XX/XXXX. My attorney has been calling Carrington since then and they claim they still do not have the third party authorization uploaded into their system. They confirmed they had the application but they are purposely evading allowing my attorney to speak with them and thereby evading review of my application. As of today XX/XX/XXXX they still have not recognized my attorney 's third party authorization. They then tried to call me today on my cell phone asking for me to speak with them. I told them my attorney faxed you an authorization over a month ago and Carrington has purposely avoided recognizing that authorization. They tried to tell me they are missing paperwork and I told them I have an attorney and my attorney is the one who is handling all of this for me. Carrington is obviously trying to block my attorney from being able to help me. They evade review. Avoid conversations with my attorney by falsely stating they ca n't see the attorney 's authorization, however they can see my financials and application which was sent the same day with my application. My attorney says this is against RESPA Regulation X. Carrington is not allowed to evade review and they are now over the 30 day limit allowed to completely review my file.
I recently pulled my annual credit reports and I noticed that an account ( XXXX 's XXXX ) is listed as an adverse account because of XX/XX/XXXX late payments. The late payments are for XX/XX/XXXX and XX/XX/XXXX with the remaining payments being paid in full starting XX/XX/XXXX. I believe this is quite disingenuous for TransUnion to claim that this account is " adverse '' when it 's been paid in full for over the last XXXX years. I know this has had a negative impact on my score and believe this should be corrected immediately.
I was automatically signed up for a mileage account when I opened a HELOC. Since I did n't want to pay the {$30.00} fee, I closed out my XXXX account in 2008. I was refunded the {$30.00} fee. My account was charged the fee again the following year. I wrote letters, called my loan officer and customer service 800 numbers. No one listened. As a result my overdraft account has snow balled as fees and penalties keep being added to a fee that should have NEVER been there. My overdraft protection should be at zero, and I should have a positive balance in my bank account, because I pay {$97.00} a month, while my bill is {$96.00}. 

Bureau of CFP, please do n't reward Key Bank 's customer no service for failing to listen to me, then stealing my $ by adding fees and interest due to their incompetence. 

Most Sincerely, XXXX XXXX
i feel behind on my mortgage two months later i called to make full payment the refused to accept payment asking for an additional XXXX to accept payment have been submitting loan modification paper work for five years and wells fargo and ASC keep giving me the run around also they gave me a trial run of XXXX a month for six months i complied with payments after i completed the trial run i requested my payment amount the said that was my payment and refused to give me the modification and now the refuse to look at my paper work again for a loan modification.
Let me start by saying I have been making my payments on time ever since I began paying my loans. I have never asked for repayment assistance and I know that my debt is my own to pay. 

After a phone call XX/XX/XXXX to confirm when my payment would be increasing, a representative name XXXX offered me an extended standard repayment plan. When I got the confirmation of my new payments in the mail, I realized that my new payments would be about {$300.00}. This was a far higher payment than what I 'd been told over the phone. I called EdFinancial to figure out the problem. Turns out, because my debt was {$22000.00} not {$30000.00}, I no longer qualified for extended repayment. This is where the trouble began. I was told by XXXX, a manager, that this was a " silly mistake ''. He went on to say that this " silly mistake '' could n't be fixed. EdFinancial could n't put me back on my old payment plan ... that I no longer qualified. He said that if I did n't want a {$300.00} payment that I would have to go on extended graduated repayment. I was n't happy because I knew that I 'd be paying interest only for 2 years, but at the time I could n't afford a {$300.00} payment. I received my new documents in the mail and went on with my life. 

Today I received a new statement in the mail ( sometimes they come via email and other times they show up in the mail ). I realized that for yet another month, EdFinancial will be withdrawing the same amount that I 've been paying for almost three years. So, I went back to look at my documentation and the information I could find on my EdFinancial account. 

According to the documents I was sent on XX/XX/XXXX, my payment should have increased on XX/XX/XXXX. It has n't, but my loan balance has. I am paying {$0.00} more than I was paying XX/XX/XXXX. At this rate, I will never pay my loan off. All this, because XXXX offered me a plan that I was not eligible for. I have contacted EdFinancial about the situation and I 'm currently waiting for their response. 

I am being penalized because of a " silly mistake '' made on their part XX/XX/XXXX that has been magnified by the errors being made since XX/XX/XXXX. What recourse do I have? How will they be held accountable for the mistakes made with my loan? How can this be made right in a way that I am not paying thousands of dollars more on a loan error that was not my fault?
On Friday XX/XX/19 at XXXX I received a voice message from XXXX XXXX a senior representative at XXXX XXXX XXXX Caller ID showed XXXX ( XXXX IL ) but I was asked to call back XXXX Ext XXXX a New York number. I called the number back and spoke with someone ( I did not get the name ) who said they could help me. He demanded my SSN and other personal information which I am not giving out especially since they did not say they were a debt collector, or who they were or what company they were from or the nature of their business with me. He stated he will not answer any of my questions until I gave him my SSN. I told him to send me a letter to the address of record and he stated " that ship has sailed honey too late for letters '' at that point I tried to end the call and he then stated " hey just pay your bills lady ''. I ended the call. 

XXXX XXXX then used a cross reference to start calling people that I barely know and leaving lengthy messages for them. He stated ( on the voice mail ) that he has been trying to reach me for XXXX weeks ( false-I have phone records that show first call was on XX/XX/19 ), he also went on to say this is a very serious matter and he is trying to do all he can to help me with this matter but time is running out and he needs to reach me by XXXX. He ended the call by saying " If I don't hear from her by XXXX I wish her all the luck with this matter ''. What exactly does that mean, was that a threat? A similar message was left on 3 other voice mails of people I haven't talked to in years not to mention the other people in their home that heard that message. I will not have my reputation compromised by XXXX XXXX or anyone from XXXX XXXX. 

Other phone numbers used : XXXX ( XXXX XXXX, IL ) ..the phone calls are unending and frequent with spoofed ID but to always call back XXXX. These calls were robo calls. 

This company has been investigated by the XXXX and were asked to provide specific information - company responded but did not provide any of the requested information. This company was involved in a federal case where XXXX attempted to collect illegal and voided debts to coerce payments from their harrassed victims. I believe I am a victim of this scam.