WillisBack/dataset-financial-user-claim huggingface dataset:
I am not really sure who to complain about. I was delinquent on XXXX Capitol One cards. On XXXX/XXXX/2014, I came to a settlement, in court, with a law firm XXXX, XXXX, XXXX XXXX. This law frim claimed that they were representing Capitol One, and was not buy my debt. I believed them, and signed a settlement paper to pay them {$25.00} a month, until the total amount was paid of. Meanwhile, I have been getting collection letters from XXXX XXXX XXXX, attempting to collect. I looked at my credit report and saw that both Capitol One AND XXXX were listed as companys that I owed. When I contacted Capitol One, they told me that they sold my debt to XXXX XXXX. Why am I paying XXXX, XXXX, XXXX XXXX? Do they actually own my debt? Was I duped by them, in court, when in mediation they answered that they represented Capitol One? If so, this is fraud.
In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them
On XX/XX/2018, I found a debt on my credit for XXXX XXXX XXXX XXXX. The debt was deceptively added and I had no idea it was there. The company that added it did so unlawfully. I called PDQ services ( http : //www.pdqservices.net/ ), asked the rep what the debt was for and she could not tell me. She said they would do an investigation on it. The next day, XX/XX/2018, I called again and the rep told me the debt will be removed and they would be notifying the credit bureaus. I asked again what the debt was for and she could not tell me. I asked for something in writing regarding the debt and the request for removal. She transferred me to a supervisor named XXXX who rudely told me not to callback, she said they will not be sending me anything in writing and hung up on me. I am reporting PDQ servdices for violation.
I am writing on behalf of my sister. She is a permanently XXXX veteran and has n't owed a credit card since XXXX, and the highest limit on her card at the time was {$500.00}. She received a letter from XXXX XXXX on XXXX XXXX. I recognized the number on the letterhead from our phone logs, all we knew until this letter was that it was an autodialer that would play classical music for 15 seconds or more on our voicemail 2 to 3 times a day. The letter claims that she has a XXXX XXXX balance of over {$5000.00} ( no information from which bank they are representing nor dates pertaining to when this card was opened/closed/etc., that they are willing to settle for an undisclosed amount via check, cash or money order by XXXX/XXXX/XXXX or else the full amount is going to be withdrawn from her bank account. 

First problem is her funds are exempt, her only income is social security and VA compensation. Second problem is that as far as we know we have not gotten a subpoena to go to court, so if there is a default judgment against her account, we were not given an opportunity to come to court to protest the debt, if this debt even exists. Third, 10 days to respond, pay up or else does n't sound like a legal statement for any law office to mail out to anyone. My sister does not have a lot of money and not physically or mentally able to deal with this. Any withdrawals by this firm without giving us any time to validate or dispute the debt, would be devastating.
XXXX XXXX XXXX from XXXX XXXX, California has sent me a Pre-Legal Notification/ Debt Collection letter I received on XXXX XXXX, 2018 claiming that I owe {$3300.00} on a XXXX credit card. I do not own a XXXX credit card. The letter threatens legal action if I don't pay. I contacted them via phone. The man I spoke with had a very thick XXXX accent which was extremely hard to understand. He wanted my social security number and date of birth which I did not supply him. I let him know that what he was doing was illegal and that I was going to file a complaint with my attorney general 's office, the United States postal service and the Federal Trade Commission which I did, today, XX/XX/2018.
Good Morning I am submitting an Complaint that I have with XXXX, Transunion, and XXXX regarding XXXX XXXX this company is reporting a 30 day late for XX/XX/XXXX, a 60 day late for XX/XX/XXXX, a 90 late for XX/XX/XXXX, a 120 day late for XX/XX/XXXX, 120 day late for XX/XX/XXXX, a 120 late for XX/XX/XXXX and another 30 day late for XX/XX/XXXX. I disputed with 609 letters for several months starting in XX/XX/XXXX, citing unverified lates reporting however it always came back as verified with the 3 bureaus. I suspect XXXX auto verification is being used because when the bureaus were responding it always came back with the same generic auto response of verified or meets FCRA. This is a violation of my rights because they were not doing their due dilligence investigating. Furthermore I asked for the method of verrification because there was no lates on my behalf. Please have them update all the lates on my credit report to positive.
Last Reported XX/XX/XXXX Collection Agency WAKEFIELD Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$890.00} High Balance {$630.00} Remarks Account information disputed by consumer, meets FCRA requirements
At the beginning of XXXX 2015 I signed up for a PayPal account. All I wanted was the ability to simply pay my friends directly from my bank account. That is it. Then about a XXXX ago I got some mail from them that looked like an agreement of some sort. I did n't really go through it thinking it was n't important. Then today I got an email from they saying I owed {$15.00}. So weird and unexpected. I logged into my account to discover a newly added payment option, PayPal credit. They had opened a credit line under my name for {$1000.00} with an APR of 19 % and apparently when I had gone to pay my cousin {$15.00} I owed her it charged it to this credit account even though as far as I am concerned I chose to pay her directly from my bank account. 
I am furious. I emailed the company and called them. The customer service rep said I " probably clicked on a button agreeing without realizing what I was doing ''. I have multiple credit cards and a very good credit line. I would NEVER agree to a credit account with PayPal. I do n't need it and I already do n't trust an online wallet like this. The only reason I even opened an account was because I owed my friend money and they encouraged me to try it out. HUGE MISTAKE! 
I told the customer service rep that I never agreed to a credit account and that they had illegally done so. I also asked to have my account closed immediately. I then went and reported them to all XXXX major credit bureaus as illegally checking my credit.
Wells Fargo is not responding to our online app and our phone call was not accepted. We have a direct deposit that is not showing that it came in. This happened on Friday, XX/XX/2019 XX/XX/2019
I have disputed wrong account information with experian, they have responded with unless you send us more information we would not investigate. On my behalf, I have send out release of judgement from spring leaf and I have specifically write on my dispute letter that such judgement is over 8 years old and according to experian spring leaf is still verify. I have disputed recent balances on accounts that have been closed and but financial institutions have close down for business but experian is still reporting it as verify. another accounts that are reaged but accounts sold to a third party are still been verify. Moreover, I have ask Experian for debt validation on collections accounts and they have fail to provide me with such information.
I was able to get my free report ( through XXXX ) from XXXX. I went to the FTC site and clicked on the free annual report link to get the ones from TransUnion and XXXX ... two days ago, but I was told they were unable to complete my request from XXXX sites. I read somewhere that i should wait 24 hours and try again. I just tried again and still ca n't get them. As a matter of fact, TransUnion is now saying they have already provided me with my free credit report ... but that 's not true. And also, Equifax keeps asking me these multiple choice questions about loans I have never done, and that do not apply to me.
2 weeks after i purchased the vehicle in XXXX 2014 the motor blew up. I then had to take out another loan to replace it even tho i purchased a warranty which was denied when i was trying to have the vehicle fixed.Neither the dealership ( XXXX XXXX XXXX in XXXX al ) or the finance company ( lendmark financial ) resolved the issue. I was told it was my responsibility. I have nothing but issues with this vehicle. I have been behind because of the issues with the vehicle. The solution was for the finance company to rewrite the loan so i could pay for it or not fall behind. I stiil owe thousands more than this vehicle is worth so i cant trade it it. Pretty much they point their finger at the other company and tell me its my problem.
I have a current mortgage with Nationstar Mortgage. They keep telling to to refinance with them, so I finally do. I do my app and I am declined 6 months later. They lost stuff that I sent them, they ask for documents and I send them. They say that they need more but can not tell me what they need. They finally sent me documentation that they denied the refinance and it looks like it was for credit reasons, but credit was not an issue from day 1. The have pulled credit on me so many times that now there is too many pulls.
On  XXXX   XXXX  I contacted  two  mortgage companies to refinance my current loan to get a lower rate.  Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with.  XXXX   XXXX  told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}.  Fifth Third has a copy of my tax assessment showing the value of my home and of course  there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments.   Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the  manager but he w as not available. Finally a processor,  XXXX   XXXX  contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called  XXXX  and  XXXX  to get status and rarely got through on the phone. I was told around  XXXX   XXXX  all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with  XXXX ,  XXXX  said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On  XXXX   XXXX  I was told I do need an appraisal.   Finally on  XXXX   XXXX  during the conversation with  XXXX  I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing.     I am very upset at the runaround I got fro  m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.
I have reported to all 3 credit bureaus multiple times that Navient is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Approximately XXXX or 5 months ago, I received a call from CU Recovery Inc and they tried tricking me to reset statute of limitations. I advised them that I did not recall this debt because it was from on or about XXXX. I advised them verbally to cease and desist all future contact with me by phone calls to myself, friends, family and employer and as well postal mail. I made it clear that I consider it harassment and it will not be tolerated. They acknowledged my request and we mutually hung up the phone. About a few weeks to a month later, they called me again! I advised them that it is harassment and I do not want to speak to them again, that time I hung up the phone in anger. Well today I received a letter of collection dated XXXX XXXX, XXXX. The letter states I have XXXX payment options. I have attached a picture of the debt letter they sent me. It 's in reference to account # XXXX in the amount of {$7200.00}. I do not know where this amount came from and the letter does not illustrate DOFD ( date of first default ) and there are no other identifying information illustrated on the letter. I feel as if I 'm being taken advantage of, or that I might be becoming a victim of some sort to CU Recovery Inc. From the initial phone call from over the summer of XXXX, I advised them per the FDCPA that in other cases of case law, courts have allowed a verbal cease order to stand and that is what I advised CU Recovery Inc . They have ignored said request and they need to be stopped. If they are taking the law into their own hands for me, then what are they doing to other consumers? Please help me, I do not appreciate being harassed. Thank you CFPB.
We got a call from something called PayPal Credit. We have always minimized credit card use. I have heard of pay pay but I have never set up or used " pay pal credit ''. They said I had an unpaid amount of {$400.00} from XXXX XXXX 2015. Why so long to call and ask about it? They said this exact amount was to a company called XXXX which I had never heard of. They had no information about what was purchased. There is no company on the internet by that name. I do know the VA and OPM were hacked and Federal employees had their personal information hacked and I do believe this is a scam.
I filed a dispute with TransUnion credit bureau. They failed to investigate my dispute. They did not tell me how they verified this information listed on my credit file. I sent a letter to the bankruptcy court regarding this public record and they sent me a letter stating that they dont share personal information regarding bankruptcies with 3rd party organizations or credit bureaus. TransUnion has told me they verified this public record but they did not tell me how they did this.
I have a {$25000.00} credit card line with Regions Bank split into XXXX accounts. I was going to be in the hospital and had my wife bring the XXXX checks to Regions, which I have never been late on. Afer being discharged from the XXXX XXXX I went thru what she did & noticed that Regions had misapplied both payments to XXXX account there fore reporting me 30 days late in my credit report. When I got out I went in person with their receipt and a copy of both my cancelled checks asked for the manager & he was tied up. I knew the assistant and asked him to have XXXX call me as I needed it fixed and wanted a copy of the letter sent to the credit bureau. No one called me until the next day even though I was there early Monday XXXX. The same assistant said XXXX is still busy and knows my concern. I told him I wanted it fixed in writing. Now I am late because they are over charging me on XXXX account and the wrong amount on the other. This is being done intentionally and is against the law. I have NEVER been late and they say they can correct it internally on the payments but that does n't undo reporting me 30 days late when I was NOT.
PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!
I have a bank of america credit card that has a fixed 8.99 % fixed interest rate. This card was paid off but we still had it open and started using again last year XX/XX/XXXX. i noticed when i logged onto my account that my rate had changed to 10.15 % variable. I have not been late and have excellent credit XXXX per my bank this week. I called XX/XX/XXXX and talked to someone regarding the change. He informed me that because prime went from .25 to 4.50 all credit cards were being converted to 10.15variable as of XX/XX/XXXX. I explained this doesn't make sense since this is not what i signed up for and i also was not notified. He said i should have gotten a letter. I checked my online account and i never received a letter from them. This seems wrong that they could take a fixed rate and not only raise it but convert to variable. We have another card with them that has a lower rate and that card was not changed as of today ... i will be paying off these cards but still think this is a violation. He gave me no more explanation then that. I believe people should be aware if their credit card company is able to change their rate without notice and no probable cause. Everyone should look at their rates!
Unauthorized inquiries on my consumer credit report. In direct violation of fdcpa, fcra, state and federal laws.
I purchased 2 giftcards on XXXX  from the store paypal digital gifts, a subsidiary of paypal. 

The cards were both {$100.00} XXXX giftcards on sale for {$95.00}. 
Card # 1 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX Item number was XXXX and the XXXX transaction ID was XXXX. 

Card # 2 was purchased on XX/XX/XXXX with Order ID XXXX. The XXXX   Item number was XXXX and the XXXX transaction ID was XXXX. 

Emails for both cards were sent to XXXX and were discovered unopened on XX/XX/XXXX. When opened, the emails contain a link that says View My Code. When that link is clicked one is taken to a page on paypal.com/gifts that says the link is no longer valid and states to Call PayPal Customer Service at XXXX. That phone number feeds into an automated loop of paypal info with no live person or system to navigate. 

On XX/XX/XXXX I spoke with paypal customer service. The man who answered stated that NO emails would have ever come from XXXX, that my order number didn't exist, and that there were no transactions that matched my record. His supervisor, XXXX, stated that she could see the order but that they had no way to regenerate the giftcard. 

The item I purchased was an egift card. This was not delivered to me. What was delivered was a link to the item I purchased ( but not the actual item ). There is no mention that that link would expire and no indication that one needed to download the card right away. The terms and conditions linked in that email state that the funds on the card do not expire.
I tried to modify my home loan with Bank of America. I filed all the paperwork required and was told I was denied a modification on XX/XX/2018. Other calls to the bank indicated the modification was with the investor and we were waiting for an answer. I can not get any straight answers from the bank. I am scared as my home has a sale date in less than 1 month. Bank of America has not been helpful at all. I keep getting the runaround.
in XX/XX/XXXX i told XXXX precisely the garage door opener system i had and ordered the opener remote control item they said would work. it did n't. completely wrong. also no invoice was enclosed with the item, but the charge ( {$82.00} ) appeared on discover. after trying unsuccessfully to make it work XXXX sent me a second, different product, which did work. i asked for a shipping label to return the first, incorrect item. they sent me a label for the second, correct item which i wanted to keep. i contacted them again on XX/XX/XXXX and they said, " Upon checking on the order, I have see that you can return the item on store. 
Visitor ( XXXX GMT ) : ok thanks. i 'll take everything i got with me. 
XXXX ( XXXX GMT ) : Please visit store with your invoice and our team will help you! '' so i went to a XXXX store where they refused to take the item back. they said that they did n't carry it. 

i contacted XXXX again on XX/XX/XXXX and after a long talk, XXXX could find no record of the first purchase ( wrong part ) : " XXXX ( XXXX GMT ) : I believe in keeping transparency. The order number provided by you does not show up in your order history. '' i gave them every number on the package i could find plus they had my name, address, date of transaction, part number, etc. still they found no record, so they would not let me return the item. 

now discover has sided with XXXX, saying i must provide proof of return in order to get the charge reversed. I mailed discover transcripts of all chats ( several pages ) documenting that XXXX sent the wrong part, sent me the wrong return label, told me to go to the store where they refused the part, and finally had no record of me ever buying it so i could n't return it. how can i get proof of return when XXXX  wo n't let me return it? i think i have done far more than my share to resolve this, including more than an hour and a half on chat and wasting time and gas driving to the store as they directed me as well as printing and mailing pages of transcripts along with every number concerning the part that i can find. 

sorry this was long. thank you for your patience. XXXX