WillisBack/dataset-financial-user-claim huggingface dataset:
I obtained a XXXX loan from castlepayday.com not knowing that the company held no license to transact business in my resident state of Ohio. I was rushed into signing an agreement during a desperate time and did not understand the terms and the outrageous interest rate I was being charged. The person on the phone barely spoke English
Mishandling of personal data on a large scale. Not notified for 3 months after the breach, and even then I had to personally attempt to discern whether my information was part of the impacted data ( according to Equifax, my data was part of that potentially leaked ). 

I would like resolution of this issue and to see better handling of such vital, sensitive information.
This is the first I 've heard from Amsher Collection Serv, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : I have never owed Amsher Collection Service any money. When I inquired about this trade they stated that it was from a XXXX account that I owed which was already satisfied XXXX. So I off course this was a Scam and Reported this to the XXXX of California and the Federal Trade Commission. This debt does not belong to me and I never signed any agreement or did business with Amsher Collection Service. 
Amsher Collection Service is also report inaccurate amounts on another XXXX which is also in violations of the FDCPA
From what I remember correctly was XXXX XXXX was charging me for something I have not purchased. Which is why I refused to pay. Given at the time I was younger and not really in tuned with the consequences. I should had paid first than dispute but I simply refused to pay for something I did not purchased. Finally I just got agitated, called the company, paid it off i full and closed the account. I did not want nothing to do with them.
cosigned for a loan for XXXX. she had all cash in bank at the time to pay off loan. 
when I read the information they had changed that XXXX lived me which she did not and that she worked for me which she did n't. she then paid off loan after ally finanancial said the transaction would happen immediately and then XXXX removed the funds from XXXX bank and took possession of car. Ally financial did not let me know till nine days latter.
Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly.
XXXX XXXX offered 20 % off if you provided an email address when you first visited the site. I did that. loaded items into the cart and then received a pop up for additional 20 % off your first order today when I applied for the XXXX XXXX XXXX Mastercard. The code was never provided and they would not honor an additional 20 % claiming they could not stack coupons. This was bait and switch. VERY MISLEADING I called the company, the lender and the rewards dept and customer service none of which would help.
PayPal is currently attempting to charge me {$1300.00} due to a credit card 'chargeback ' which someone filed with them claiming they did not get an item which I sent to them. I have proof the individual received the item and now they have the money for it as well. I have told PayPal to dispute this chargeback. PayPal has been provided with the evidence from a UPS investigation in which the individual admitted they received the item. The individual now has both the item and my money, and PayPal expects me to pay {$1300.00} into my PayPal account, claiming they will return the money " if '' the credit card company decides in my favor regarding the chargeback.
Regarding Account # XXXX payment history reported to XXXX credit reporting agency. 
Based on my records, the 30 to 180-days past due occurrences reported in XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at XXXX recommendation during the process of getting a loan modification approved. I established a very strong record of punctuality through over 6 years of payments prior to this modification period, with approximately 73 made since opening the account in XX/XX/XXXX. Any delayed payments after that were held up at XXXX behest and were through no fault of my own. This activity is a direct violation of the XX/XX/XXXXDodd-Frank Consumer Protection Act, and is punishable with significant fines. 
Furthermore, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.
XXXX XXXX XXXX reported {XXXX} with a remark stating loan modifiedon XX/XX/XXXX. This account in question supposed to be a mortgage which I dont have. The property thats been referred to was taken back in XX/XX/XXXXby XXXX XXXX XXXX ( principal balance was XXXX ) that was the last time I heard anything about the property. Until XXXX XXXX XXXX  appeared on my credit report this month. The company stated to me that the loan was transferred to them by a company named XXXX ( I do not know the company ) in XX/XX/XXXX and I modified the loan in XX/XX/XXXX. I do not live in the property nor do I own the property since XX/XX/XXXX. To my understanding XXXX XXXX XXXX has received and holding insurance proceeds on my behalf which I did not give them any consent to do so. I have requested for the alleged application that I sign to request loan modification which the company is unable to provide.
The last correspondence I sent the company on XXXX pertained to a demand for validation. The company 's correspondence to me dated XXXX provided me with verification of the account, they failed failed to provide me substantive validation of the account, there are no statements and contractual agreements from the original creditor that they could produce and at the same time they persevered with reporting the account on my credit report. This is a blatant violation of Fair Debt Collection Practices Act ( FDCPA Sec 809 ).
I HAVE CANCELED MY ALARM SERVICED CAUSE IT WASNT WORKING PROPERLY SO I TOLD XXXX ( THE ALARM COMPANY ) TO CANCEL IT AND TOTAKE THEIR STUFF BACK BUT THEY NEVER DID AND THEN THEY PUT THE COLLECTION ON MY CREDIT.SINCE XXXX 2017 IN THE AMOUNT OF {$3500.00}.
I have never been more disappointed in a product I had such high hopes for. As I watch the banner video on this page I can truly say what they claim border on fraud. 

XXXX XXXX ( a part of BBVA Compass ) claims to be servicing the " Expat '' Community but this is the WORST financial product for an Expat. Adding to the already well noted issues about its inability to provide a current reconciled balance ; significant delays in posting direct deposits ; and part-time customer service ; I've now experienced the " security block '' of the card because it was used in multiple cities. While traveling within the US ( my home country ) then even internationally, my card was declined ... there's no 24/7 Customer Service never mind even regular reliable customer service hours where you know you will reach someone ; and when I finally did get someone who could look at the account - they had NO idea why the card was being declined ( side note - literally sounded as if the guy had me on speaker phone in some empty office on the other side of the world which didn't offer much confidence ) ; and it took another 3 or so days to say it was a security check because of the use in multiple cities, and another day to " resolve '' that. They said the card was unlocked, yet when I go to use it - STILL declined ... still not able to reach anyone in customer service.

So as of today I have been out of my home country one week without access to or use of my card. 

No one takes any responsibility for the poor service and even worst execution of this product - all I get are excuses ... 

" The demand for the card was much greater than we expected '' ; " The app is still being developed '' - Perhaps instead of saying we're " Founding Members '' we're actually BETA Testers we should have known this. 
" The security lock is something VISA does '' ; The only actions I've seen XXXX take toward resolving any of the other customer complaints on this forum is that I've noticed now instead of the phone directly going to voicemail, there's a delay, message and some nice music saying they're looking for someone to assist before my calls are sent to voicemail. 

So in summary, I've given this card time and energy to see if it does what it says and in every way imaginable XXXX FAILS to deliver as a product. This is truly an example of " you get what you pay for '' - there are no international transaction fees ... and there's no service or support as well. This card not only grossly underperforms but operates directly contrary to its advertised capabilities. Nothing with it happens in anything close to " current '' status ' and it is FAR from anything close to being convenient for the Expat community. 

Then to see in some of their XXXX page comments obviously scripted exchanges with " customers '' just adds to the concern this is a fraud of some kind.
The attorney, XXXX XXXX, threaten me with lawsuit and stated that I do not pay my bills when I tried to give my bankruptcy attorney information. He hung up on me and when I called back, He would not give me his last name until I confronted how he was acting and this is not how an attorney is suppose to act nor say the words he was using to me. I stated that I wanted no contact written or oral from the XXXX XXXX XXXX and he said that he can contact me and I stated with the FDCPA, I am giving notice of no contact, he disagrees and again tried to belittle me because of filing chapter XXXX bankruptcy. At the beginning of call,. I was threaten to be sued and when he hung up on me and I called back the case now was in process of a lawsuit. How does that happen within minutes of a conversation? Very unprofessional and consumers should not be a threaten or belittled.
LexisNexis is providing incorrect information to credit bureaus claiming I have a bankruptcy for {$0.00} on XX/XX/2011.
In lieu of valid Assignments, Trusts continue to rely on Assignments specially made by their own law firms and mortgage default service companies. Eventually, these fraudulent Assignments are being discovered by Courts, and the foreclosing trusts required to prove that they own the Mortgage and Note in the foreclosure action without reliance on Assignments that misrepresent the date of the actual transfer to the Trust the authority of the signers of the bankrupt original lenders. For XXXX homeowners, this realization has come too late. 
Aside from the law firm and mortgage default servicing companies that fraudulently produced Assignments, such as Ocwen loan servicing, and third party manufacturing company indecomme global services, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm FOR EXAMPLE they are producing fraud assignemnts. 

The entities at greatest risk that the fraudulent assignments scheme will be exposed are the title companies which all theses ( Ocwen loan servicing, and Third party manufacturing company e.g XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX, XXXX law firm all owes it little title company, e-title for XXXX XXXX XXXX and XXXX associates etc ... ) are the tittle companies that guaranteed the clear and correct transfer of ownership to the trusts. ALSO at risk are the trust creditors themselves and the trustees. Both groups of entities have been on notice for several years THAT the faulty assignments were likely to jeopardize the trusts claims to ownership and ability to foreclose in the event of default, yet have failed to disclose the critical information to trust shareholder and to the sec. 

THIS COMPLAINT FOCUS ON DEFAULT buyer DEBT COLLECTOR OCWEN LOAN SERVICING LLC USE DOCUMENTS MANUFACTURING COMPANY TO PRODUCE FRAUD ASSIGNMENTS OF DEED OF TRUST AROUND THE COUNTRY UNDER THE CONTROL OF default DEBT COLLECTOR LAW FIRM LAW FIRM XXXX using ASSIGNMENTS OF DEED OF TRUST PREPARED BY XXXX, FOR DEBT COLLECTORS OCWEN LOAN SERVICING, DEBT COLLECTOR XXXX LAW FIRM see several attached documents files
Around 2014, I went to a Wells Fargo branch to open a checking account for my small business. I needed the account to help process credit card payments. I own my business, and don't necessarily do many transactions in one month, explained this to the teller and they recommended a business checking and savings account. I understood that if I made a recurring transfer of {$150.00} into the savings account every month, then there would be no other fees associated with either checking or savings account.

Now I was just looking at my statement and saw a " monthly service fee '' charged by Wells Fargo for {$14.00}. I then did a search and saw that this has happened four times, totaling {$56.00}. I called Wells Fargo, and they informed me that in XXXX, my account had been " upgraded '' to a " Business Choice '' banking account. They said they " informed '' me of this upgrade on my monthly statement that I only receive electronically. The Business Choice account apparently has a service fee if the checking balance is below {$7500.00}. 

I did not consent to my account being changed. I opened that specific type of account for a reason. This is my money. They should not be able to change it to a different structure just to fit their profit requirements. 

Even if they did need to change the account type, I didn't receive the notice at all. Changing my account type by informing me in a monthly statement is completely unreasonable. No one would expect that to happen in a monthly bill. 

After several transfers on the phone and having to request to speak to a manager, Well Fargo did refund the money, and I was able to set up another account. However this took yet another fee. 

This is totally unacceptable. Wells Fargo has been trying to rebrand itself after several disasters of destroying public trust. Obviously, the system is still broken.
I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.
US Bank ignored my XXXX XXXX letter. 
I have a {$1300.00} charge off from US Bank, and they wo n't explain why. I have disputed with the Credit reporting agency 's, and it comes back as verified. I then sent US Bank a Direct Dispute request under the FCRA 623 and they completely ignored it. US Bank received my Direct Dispute letter XXXX XXXX, 2015 at XXXX.
I recently started to monitor my credit using XXXX which works with Experian. This is when I noticed multiple credit inquiries that I did not apply for. The inquiries are from the following banks XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX These FRAUD inquiries are reporting on XXXX and Experian. I have contacted BOTH bureaus to start an investigation and i have sent in all documentation.
My son purchased a XXXX XXXX XXXX without a title. We went to DMV for advice/info.  They researched history and found a bank that was the last know lienholder of his dirtbike. XXXX XXXX XXXX. It turns out that this bank has been boughy out by Capital One. DMV asked that Capital One indicates in writing ( notarized ) that they either release the title or indicate they have no interest in the title. Capital One did this. However, DMV was not satisfied with the notarized statement of non interest from Capital One. DMV needs Capital One to release a disclosure of the bank and or banks they have bought out that may or may not be affiliated with XXXX XXXX XXXX or specifically thereof. I have contacted Capital One via phone and fax on nemerous occassions. Have been told that response time may take up to 30 days. I have paid DMV all fees and and I just want to get a title created for my sons XXXX XXXX XXXX XXXX to be legal.
Became XXXX and could not pay a 8.5 % int mortgage payment. I wanted help to lower payment for remainder of loan which is 5 years. My home is appraised at {$90000.00} and I owe {$30000.00} so I definitely do not want to lose my home. I do not live in my home, it is rented for {$600.00} a month and my payment is {$760.00}. My loan preservation specialist, XXXX XXXX XXXX, who is my contact regarding my loan modification application, is not taking my calls. Since XXXX XXXX to XXXX XXXX I left at least XXXX voicemails, left messages with his co- workers XXXX and XXXX XXXX, and sent XXXX emails. I have yet to receive a call back. On XXXX I received XXXX denial letters ( after 35 days of waiting ) XXXX states HAMP tier 1 denied because I do not live in home ( applied for help for rental ) tier XXXX denied due to not meeting program guidelines ( don t know what guideline is. ). The XXXX denial letter stated they denied due to home being vacant ( home has never been vacant ). Don t know what to do other than appeal. It also states Americas servicing Co ( Wells Fargo ) is Only servicing the note and XXXX is the investor. Very confusing especially when I can not get anyone to communicate with me.
I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ), This is not a request for validation, I HAVE ALREADY SENT SEVERAL ID THEFT AFFIDAVITS I WILL NOT SEND ANYMORE, furthermore The information in this ID Theft Report is clearly LEGIBLE. There is no need to request for further identification XXXX and XXXX and XXXX claim to verified these accounts yet have not sent Any Verifiable proof, or proof of their investigation procedures. 
The Account was established in XXXX of XXXX The address attached to this account differs from the address I have lived at since XXXX The payments made on this card was drawn from a bank account that is not mine, this bank account was opened from an address that is not my address.
I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.
I had an account that had gone into collections for the amount of XXXX with XXXX XXXX through XXXX different collection agencies. XXXX that had opened XX/XX/XXXX through CBA with no closing date yet last reported on XXXX XXXX, 2015. 
I then had another through XXXX that was opened XX/XX/XXXX with no closing date that was last reported on XX/XX/XXXX. 
This account was directly paid through XXXX XXXX on XX/XX/XXXX in full. It shows on the credit report through XXXX and Equifax that the balance through both companies was paid to collection with a {$0.00} balance, yet they are still on my credit report affecting my credit score. Due to the fact that both have given specific dates that this was reported and paid in full I believe they should both come off of my credit report helping to restore my credit score.
Received this email, and I have never received one from this company before, contrary to the language within it. I have also never received any phone calls or letters in regards to this alleged debt. I am currently experiencing a household member going through a critical medical situation. Thank you.
On XX/XX/XXXX I noticed on my credit report a 90 late payment notice that was the 1st time I noticed the name Navient, after calling them i found out that they took over my loan XX/XX/XXXX, but no one from Navient reached out to me to setup payments arrangements no agreements was signed nothing until I reached out to them on XX/XX/XXXX and then I gave them my phone number and email address, I asked if there was away to remove the negative reporting on my and report allow me to make payments to bring my account current since XX/XX/XXXX was the 1st time I spoke to someone from Navient, customer service had no response for why no one reached out to me sooner expect that they didn't have my contact info on file, I asked to speak to a supervisor and since XX/XX/XXXX to now XX/XX/XXXX I have been unable to speak to a supervisor about my account, I want to be able to make payment arrangement that I can afford and at the same time since I made the initial contact remove the negative 90 day late payment off my report
Ive sent TransUnion 1 letter and 1 fax asking to have an incorrect public record '' bankruptcy '' be removed from my report. i have supplied them everything to show that this account is NOT MINE! i have never even lived in XXXX, WA where supposed bankruptcy addresss was filed. i dont know how this inaccurate info came to be on my report i just seek to have this fixed. it transunion would like i can send them over evidence XXXX an XXXX  have quickly corrected this mistake.