WillisBack/dataset-financial-user-claim huggingface dataset:
XXXX XXXX XXXX cancelled my phone and internet service due to my adding XXXX service to my office in XXXX XX/XX/XXXX. It sent a revised final invoice on XXXX/XXXX/XX/XX/XXXX, which seemed to suggest there was a termination fee. I asked XXXX & XXXX for proof of any termination fee, as I did not have such a contract with them ; XXXX XXXX XXXX provided a copy of a XXXX page fax that did not have any termination terms and did not reflect the type of service listed in the bill. Despite having disputed the payment with XXXX XXXX XXXX and getting a resolution, XXXX XXXX XXXX placed the debt with XXXX. XXXX called my office repeatedly, and in XXXX XX/XX/2014, I filed a Notice of Dispute with XXXX XXXX XXXX. My attorney was assured that collection calls would stop while XXXX XXXX XXXX investigated the file, however, XXXX XXXX XXXX never responded to the notice with documents showing that I had any obligation to pay the {$1400.00} bill. Instead, XXXX XXXX XXXX transferred the alleged debt to IC System, which continues to call to collect a nonexistent debt. Litigation was filed with XXXX in XXXX of XX/XX/XXXX however IC System continues to phone at my office, where I am a XXXX, interrupting patient care. I have informed IC System that they are not allowed to call at my office, however, XXXX XXXX of IC System says that she will continue to call.
An outside source hacked my Wells Fargo business account and made two withdrawals as payroll deductions -- {$2000.00} & {$5000.00} -- one day apart. When I realized what had happened, I contacted the fraud department of the bank, explained that I hadn't made these withdrawals -- I'm only a one person company and don't have a payroll process in place ; I make a distribution from my company when I need it.

Within a day or so, the {$2000.00} withdrawal was returned -- the last withdrawal -- and when a week passed and I didn't see the return of the {$5000.00}, I followed up with the bank 's fraud department. I was informed that even though they were able to retrieve the last withdrawal they didn't pursue attempting to retrieve the initial {$5000.00} because I didn't inform them within a 24 hour period after the withdrawal that this has transpired. I was stunned to hear this since they realized this was fraud, knew the source of the funds, that they didn't pursue because this transaction was outside of the 24 hour period. Some additional information -- Wells Fargo 's entire system was down for a number of days when these transactions occurred, and this information wasn't even available to me until Sunday -- the day I filed the claim. 

I subsequently filed a report with the XXXX XXXX XXXX police of this fraud and how the bank responded to this. The officer taking the information was as confused as I why if the bank knew where the money was and that this was obviously a fraudulent transaction, that would not pursue getting the money back because it fell outside of their 24 hour policy. 

I was informed by the fraud department that they would record my disagreement with their resolution and respond within 120 days. I am semi-retired ( XXXX ) and have a very small XXXX company and {$5000.00} is a great deal of money to me. Suffice it to say that while I don't expect to hear back from them, that I wanted to record their actions to the appropriate organization for further review.
Regarding recently closed complaint XXXX : 1. ) Despite asking to close this account since XX/XX/2018 in the presence of a Wells Fargo Representative at the Wells Fargo location inside of the XXXXXXXX XXXX XXXX XXXX in XXXX Utah, while on the phone with a representative from the Wells Fargo Card Service, Wells Fargo continues to send me notices that I am delinquent on this credit card that was closed months ago. 

2. ) Wells Fargo purposefully took longer than necessary to apply my collateral of {$300.00} to the account to incur more fees and to attempt to put a negative mark on my credit as a penalty for closing my credit card. The collateral was not applied until yesterday, XX/XX/2018, despite requesting this account to be closed on XX/XX/2018. 

3. ) The notice that I was sent this week directly conflicts with what my account says when I log in ( see both attached ). My account currently states that i owe {$16.00} ( which is not true as well ). The letter states that I am in default {$58.00}. Wells Fargo is purposefully being confusing as yet another penalty for closing my credit card. 

4. ) This entire situation was unnecessary and arose from Wells Fargo charging myself a late fee on or before the actual due date of payment on this account. 

5. ) This ongoing issue that I have with Wells Fargo charging my credit card fees that no one would explain and then denying closure of my account repeatedly for several weeks since XX/XX/2018 has caused myself much unnecessary waste of personal time and added stress. Total time lost due to this unnecessary situation is approximately 4 hours to date. 

6. ) It is my belief that Wells Fargo routinely targets low income and credit score disadvantaged individuals with these types of " miscommunications '' and illegal fees as a means to strong-arm credit disadvantaged individuals who are in fear of receiving a bad credit report from Wells Fargo. Wells Fargo also uses this as a means to dissuade these same disadvantaged individuals from closing their accounts. This activity described is both illegal and immoral.
Ocwen is and was in clear violation of the XX/XX/XXXX settlement with the CFPB when it comes to loan modifications. When I applied for a loan modification in XX/XX/XXXX, they verbally denied my request to reduce the principal balance on the mortgage WITHOUT sending a licensed appraiser to the property to inspect it, verbally telling me that I did not qualify. I did not receive a denial letter in the mail and they would only speak to me through my estranged wife who wasnt even on the mortgage. Since the foreclosure and subsequent sheriff 's sale, I have done a little bit of research on the property in question. During my research, I have found that they had the property listed on XXXX for 452 days, which part of that time was during my Automatic Stay with my Chapter XXXX bankruptcy. The documents provided will show this and also show that the sale price of the property in question was highly inflated and they did not modify my principal balance to reflect this, hoping to reap as much money as they could out of me. 

During the last complaint I filed against Ocwen, the Ombudsmen would only provide the paperwork that they deemed necessary. They did not provide the actual applications for modification to show that I asked, on different occasions, for a reduction in principal balance.
HAD A ITEM ON MY CREDIT REPORT SO I CALLED THE COLLECTION AGENCY THAT REPORTED IT. IT WAS MODERN ADJUSTMENT BUREAU LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA. XXXX. I CALLED THEM SEVERAL WEEKS AGO AT XXXX AS I WANTED TO KNOW WHAT THIS WAS ALL ABOUT. I HAD THE DISPLEASURE TO TALK TO A RUDE AND ARROGANT WOMAN SAID HER NAME WAS XXXX, WOULD NOT GIVE HER LAST NAME. I WAS DISPUTING THIS BILL AS MY COMPANY OPENED UP THE CHECKING ACCOUNT AND MY NAME WAS ON IT, BUT APPARENTLY THE ACCOUNT BECAME OVER DRAWN, WHEN I ASKED FOR DOCUMENTATION ON THIS BANK ACCOUNT SHE WENT INTO A PUSHY AND THREATENING DEMEANOR, SHE WENT ON TO SAY " WHEN THIS GOES TO COURT THIS WILL COST THOUSANDS OF DOLLARS FOR YOU LATER ON '' " YOU SHOULD TAKE CARE OF IT NOW AND DISPUTE IT LATER '' SHE MADE IT SOUND LIKE A {$1300.00} BILL WOULD BE RAISED TO {$5000.00} WHICH IS DECEPTIVE COLLECTION TACTICS. I NEVER RECEIVED THE DOCUMENTS, BIG SUPRISE. ARE THEY NOT SUPPOSED TO GIVE ME A HEADS UP ON WHO I AM CALLING AND THAT THEY ARE TRYING TO COLLECT A DEBT ETC, SHE JUST WENT INTO HER GANGSTER ROUTINE TRYING TO SCARE ME INTO PAYING THE BILL DISMISSING ANYTHING I HAD TO SAY. 
I HANG UP ON HER CAUSE IT WAS LIKE TALKING TO A BRICK WALL.
On XXXX/XXXX/16 I closed my checking account at a Key Bank branch in XXXX, OH. I instructed the bank representative to close the account and I received a check for the remaining funds. 
I have other accounts with the bank, and I logged in on XXXX/XXXX/16 to look at something. To my surprise, the checking account was still showing online, and it contained a negative balance. The negative balance was a result of a payment to a home security company ( on XXXX/XXXX/16 ) and the resulting overdraft charges, PLUS a monthly checking account maintenance fee. 
I called Key Bank and the representative explained that the payment to the security company " reopened '' my account. ( Yes, the mistake made by a third-party " reopened '' an account I had specifically closed. ) I had changed the home security company monthly bill to a personal credit card on XXXX/XXXX/16. So, the auto-deduct from the closed checking account was their mistake - and they admit to it. 
How Key Bank could allow any third-party transaction to " reopen '' an account I 've closed -- well, it defies logic. This practice is completely unfair to the consumer and makes no sense. It should not be allowed to happen.
Since XXXX, 2017 my three loans serviced by Navient have raised my interest rates by 1/4 % three times. My rates have gone from 5.5 % to 5.75 % to 6 % to 6.25 %. Every time I call ( the first time on around XXXX XXXX ) I have been getting the run-around and bounced to different agents at Navient that tell me I can not consolidate this loan or lock in the current interest rate. I 've been informed that I must simply allow my interest rate to rise without having the power to do anything about it. I asked to speak with a superior or manager and they have refused to connect me.
I received a private student loan from XXXX in XX/XX/XXXX. In XX/XX/XXXX XXXX stop servicing student loans and transferred my loan to XXXX. However, in XX/XX/XXXX I was also contacted by ACS saying I owed them for a student loan that I opened with XXXX. I only opened XXXX loan with XXXX but both XXXX and ACS has my student loan. I talked to XXXX who informed me that my loan was transferred to XXXX whom I have been paying every month. However, ACS has defaulted my student loan in their possession and threatened to garnish my wages. XXXX has no knowledge of ACS or why they have my information.
ON XX/XX/2018 and XX/XX/2018, I sent letters to Ability Recovery Services to validate the debt that is reporting on my credit report. Both times, I did not receive any correspondences from them, but the debt still remains on my credit report.
I Received Notification That TransUnion Concluded My Request For Investigation In Regards To My Zero Balance Accounts With XXXX And XXXX XXXX. The TransUnion Credit Reporting Agency Has Not Corrected My Credit Report In Regards To XXXX, And XXXX. XXXX These Accounts Are Paid In Full, And Should Reflect A Zero Balance. Please Update My Credit Report, As It Is Negatively Affecting My Credit Score, And My Credit To Debt Ratio. As of Today, My TransUnion Credit Report Is Still Showing My Debt As {$4700.00} And This Is Not Correct. And The TransUnion Credit Reporting Agency Should Accurately Report That The Balance is Zero.
On XX/XX/2016, as I was paying bills I noticed the balance of one of our accounts {$19000.00} less ( XXXX ACH transactions were made ) than where it should have been. I immediately called Wells Fargo to start the fraud claim. I received electronic confirmation that the claim had been submitted and to expect an update on day 5 and it to be resolved by day 10. I have checked the account each day and no reimbursement. On XX/XX/XXXX I called to get an update ; I provided the claim/reference number and the employee in CA stated no such claim existed. I provided her additional information to no avail. I must admit I got frustrated and hung up. I called back and was able to reach XXXX. XXXX was able to find the claim and was also able to add the third transaction which was not part of the claim originally. He informed me that there were no notes on the system. My frustration is the fact that someone, somewhere got away with {$19000.00} .... {$4300.00} on XX/XX/XXXX and XXXX transactions for {$7600.00} on XX/XX/XXXX. All transactions are coded with Health Savings. I do n't have an HSA and the amount is significantly higher than anyone is allowed to put in their HSA. With the fake accounts that WF is accused of, this makes me very nervous. Almost {$20000.00} is missing!!! We are a middle class family and can not afford this type of transaction to happen. I feel taken advantage of -- I want my money and am so tempted to pull all funds and sew them in my mattress. If a " big bank '' can not protect my money which we worked hard for, then what are we, the general public, supposed to do???
Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed.
I went to check my credit score and I see that there's a medical debt owed to the American Adjustment Bureau in the amount of {$2800.00}. I was not aware of this because I do not owe this. There is no documentation with my signature proving beyond reasonable doubt that I have agreed to pay the company. I don't even know how the company obtained my medical information. They can not prove that I authorized them any type of written consent to obtain my medical history, therefore they are in direct violation of ( HIPPA ) The Health Insurance Portability and Accountability Act of 1996.
ATTORNEY FOR XXXX KEPT CALLING, SKIP TRACING AND SERVICING LAWSUIT TO WRONG PARTY IN VIOLATION OF TCPA AND FDCPA ETC.. 

DEBT OWNER IS ESTRANGED SISTER-IN-LAW.
I am trying to contact Experian because I submitted a police report proving identity theft and I have tried to submit additional inquiries for review because they are fraudulent and Experian refuses to allow me to do it.
When selling a home in XX/XX/XXXX I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/XXXX ). The law office and XXXX did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : Jenkins, Wagnon, and Young P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me.
I have XXXX student loans with Naviet ( previously XXXX XXXX XXXX. I called to see if I could obtain a two month forbearance due to difficulities in making my payments because my husband is working less hours for the next two months. I did not qualify for a deference. Navient refused to allow a forebearance unless I paid a {$150.00} forbearance fee. Therefore, I am unable to forebear my loans for two months because I would have to pay a {$150.00} fee.
Loan Start date was XXXX/XXXX/2017 for {$600.00} dollars.
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When I signed up I thought I would only have to pay back {$720.00} including a {$120.00} finance charge.
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I have tried to pay off the loan multiple times but they say oh its too close to your loans next due date and auto draft my account for for {$160.00}. Almost all of this goes towards interest so far I have payed Interest Paid To Date : {$980.00}. This is utter predatory and ridiculous. You can not see the % rate until after the terms are signed. They keep adding load extension fees. I do not want to extend it I have tried to pay it off but they refuse siting its too near the payment day and it has been processesd already.
Equifax continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX etc. I contacted Equifax Credit Bureau by phone and mail. I was told by Equifax that credit inquiries are FACTUAL, I don't ' know what that means and when asking the Equifax representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
This debt has been ongoing with no bill ever received, no form ever received for amount, never called. I have asked for a itemized bill and nothing received but documents on XXXX/XXXX/2016 that I received a " bill '' and attempts to settle were " mailed to me. '' What I have received is Explanation Of Benefits '' but never a bill which this document states, This is not a bill. '' Furthermore I am attaching documentation of their correspondence with me and still no explanation or itemization of bill from services rendered and I am being accused of owing and which is falsely on my credit report as these agencies buy old debts and try and collect without proper documentation or notification to a client that in fact a debt is owed and added to their report. This is illegal under these terms.
STATEMENT OF COMPLAINT : With this complaint, XXXX XXXX XXXX is requesting the Consumer Financial Protection Bureau bring enforcement action, both civil and criminal, against Caliber Home Loans , Inc . 

For purposes of this complaint, " Caliber Home Loans, Inc. '' means any principal, partner, shareholder, attorney, contract attorney, representative, agent or employee performing any service or work related to any foreclosure, past or present, connected to any mortgage loan, deed of trust or any document submitted to the Public Trustee of XXXX County relevant to the real property located at XXXX XXXX XXXX XXXX in XXXX County, Colorado. 

Relevant state and federal court records and documents establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to collect a debt in violation of state and federal laws including, but not limited to, the Federal Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, Caliber Home Loans is and was, at all relevant times, engaged in the collection and attempts to collect, both directly and indirectly, a time-barred debt from XXXX XXXX XXXX, which Caliber Home Loans unlawfully alleged was owed and due to others. 

Additionally, seven years of relevant documents, business records and communications establish that Caliber Home Loans has knowingly and intentionally engaged in coordinated debt-collection activities to mislead, intimidate, and harass XXXX XXXX XXXX, in violation of both state and federal settlement agreements. 

Moreover, XXXX XXXX XXXX has probable cause to believe that court documents and court records, along with relevant business records and communications, establish Caliber Home Loans knowingly and intentionally engaged in coordinated and debt-collection activities in violation of FDCPA to commit a fraud on the PUBLIC TRUSTEE OF XXXX COUNTY. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained with Consumer Financial Protection Bureau Case Number XXXX, as if specifically set forth herein. 

Finally, XXXX XXXX XXXX hereby incorporates by reference each and every statement and fact contained within any state or federal court document or record relevant to this complaint, as if specifically set forth herein.
Hi, I have initiated a wire withdrawal request on XXXX XXXX and the site as promised estimated that the day of deposit will be on XXXX XXXX Then later the site has updated that the delay can be expected up to 5 Business Days and my request has crossed the 5 Business Days I tried emaile the Coinbase Team 3 times but had no response, then I tried to call them up three times and each time I waited for 1 hr with no response I am having a personal emergency and I am worried that I am being cheated by the Coinbase team
At present I have 16 student loan accounts reporting on my credit report. All 16 accounts are reporting late for months XXXX through XX/XX/2017 however this information is inaccurate. I graduated my XXXX program in XX/XX/2017 and my loans should have remained in deferment for 6 months following my graduation and then enter into repayment status. Instead, it appears my graduation date was calculated incorrectly or I did not recieve my 6 month grace period as I should have.
XXXX XXXX credit card is reporting on my credit file an account and passed due balance that does n't belong to me. This was identity fraud and opened as I was a victim of fraud from two major data breaches. I have done all the steps capital one gas requested but they are still indicating this fraud account under my credit file which is greatly effecting me as it has a negative impact on my score and ratings. Again this card and information they are reporting indr this card does not belong to me. 

They have it listed as capital one XXXX XXXX XXXX XXXX XXXX XXXX Utah Partial account number XXXX ... 
I have reached out to them numerous times and they haven of done a thing to resolve this matter
On XXXX 2015 i was evicted from the department i was leasing, we went to court and the court order the eviction and settle that we owe the the leasing company {$1400.00}. 

The leasing company first sent us a letter stating we owe them {$4700.00} with braking up the amount. 

After that we receive a letter form Professional Debt Mediation stating we owe {$4700.00} and they send this debt to the credit reports. 

Also they post the debt 2 times like if i owe {$4700.00} 2 times, when i contact them trying to settle, i ask them why they post my debt 2 times, the answer from the was that this way my credit score will be lower with the XXXX postings and i will be more urge to pay my debt, i offer to pay what the court settle {$1400.00} and they refuse to settle for less than {$4700.00}