WillisBack/dataset-financial-user-claim huggingface dataset:
I received a letter dated XX/XX/2017 from CREDIT COLLECTION SERVICES ( CCS ). The notice looks contrived and my name is not XXXX. I called experian, transunion, and equifax. Each advised me to call XXXX, an organzation which fails to disclose a legal entity name. MY SCORES HAVE DECLINED TO THE LOW XXXX from XXXX last week. My mother paid them {$380.00} to satisfy their demands. CCS has inaccurate information and XXXX coerced payment to calm me down. Please see attached. XXXX emailed me with a bogus link to click with the language : ACTIVATE EMAIL MESSAGING. The URL embedded is : https : //self-service.ccsusa.com/? XXXX & fi= & XXXX & XXXX & XXXX & XXXX & XXXX : % XXXX , % XXXX : % XXXX , % XXXX Attached are the only XXXX documents I have. Also, they asked for my social security number. When I uploaded these documents, a popup contained the term " fake path. ''
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( {$960.00} ) This ACH was not authorized. I do not have a XXXX   XXXX account. I do not do business with this company. 

XX/XX/XXXX I reported this ACH as unauthorized in writing and within 60 days of the first statement the charge was credited on. 

I contacted USAA to see when I would recieve my funds back and was told I was not allowed a credit. 

More than 10 days has passed and I have not had a credit or anything. 

It appears to me USAA is not following the law.
I was googling myself today XXXX XXXX/XXXX/2015 XXXX and saw that I have a judgement against me for {$12000.00}! Supposedly I had a court date on XXXX/XXXX/2011. I never received any notification of legal action being taken and that was taken. The case information is from XXXX, Wisconsin, XXXX XXXX Case Number XXXX. 

Apparently the party that took me to court was Equable Ascent Financial LLC,XXXX XXXX XXXX XXXX XXXX, XXXX XXXX IL XXXX. I have no idea who this is, what its for and why I never received any type of notification at any time!
I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state law.
My home equity loan with Bank of America went through bankruptcy. They are now raising my interest rate XXXX basis points. I called them about this and their only explanation is that it is a variable interest rate. The mortgage company can not raise my interest rate or change the terms of of loan because of bankruptcy protection.
I was checking my credit and saw it decrease drastically and there was an account in collections claiming I took an ambulance to the hospital. I called and sent them a dispute after I was informed that was the thing to do. After a month passed, AFTER I 've mailed and faxed my dispute letter, Kansas Counselors , Inc are still stating they have n't received my dispute letter. I mailed and faxed the copy with the information they gave me. I 'm pretty much at a standstill on what to do.
Hello and Thank you for your help. I am the owner of a mortgage with no collateral ( property ) with Bank of America due to negligence from XXXX XXXX, title company and Bank of America. 

" XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, XXXX XXXX : XXXX XXXX XXXX : Atty. XXXX XXXX Set forth below is a synopsis of the bases for my position that the titlle to Unit XXXX is flawed : On XXXX XXXX, XXXX, XXXX XXXX, the then owner of Unit XXXX, Building XXXX, XXXX XXXX XXXX XXXX, executed a mortgage to XXXX XXXX XXXX XXXX, recorded in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Page XXXX.The mortgage to XXXX was eventually assigned to XXXX XXXX Bank XXXX Trustee. The assignment was dated XXXX/XXXX/XXXX and recorded on XXXX/XXXX/XXXX at said Registry in Book XXXX, XXXX XXXX XXXX initiated foreclosure proceedings on the XXXX mortgage, culminating with an auction and sale conducted on XXXX/XXXX/XXXX. 
Legal notices for the sale were published in the XXXX XXXX on XXXX XXXX and XXXX, XX/XX/XXXX.Because the assignment of the XXXX mortgage to XXXX XXXX XXXX not executed until XXXX/XXXX/XXXX and not recorded until XXXX/XXXX/XXXX, XXXX XXXX did not have title to the property at the time that it conducted the foreclosure sale and subsequent conveyance of the property. This conclusion is based on the holding of the Massachusetts XXXX XXXX Court in the case of XXXX XXXX XXXX XXXX, Trustee vs. XXXX XXXX XXXX and a consolidated case ) XXXX Mass XXXX, wherein a lender tried to claim title under identical circumstances and the Court ruled that because the assignment of the mortgage to the foreclosing entity had not been recorded prior to the foreclosure sale XXXX and, specifically, prior to the XXXX publication of notice ) the foreclosing entity did not have good title. 
Accordingly, the foreclosure of Unit XXXX is void and title did not pass to XXXX XXXX XXXX by virtue of the deed recorded in XXXX XXXX. XXXX XXXX who bought the property from XXXX XXXX XXXX of XXXX.
I am a XXXX XXXX XXXX XXXX  veteran living on a fixed income, i am also in the process of attending college to complete my XXXX degree. All three credit reporting companies report different AMOUNTS different OPEN DATE incomplete account number and ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX, I bank with XXXX and XXXX XXXX XXXX PRIOR TO XXXX. I have never had an account with XXXX XXXX XXXX. I contacted Capital One and they have confirmed that I XXXX XXXX XXXX have never had an account with them and Capital One does not know why XXXX XXXX XXXX XXXX IS REPORTING TO THE CREDIT REPORTING AGENCY. i HAVE CONTACTED XXXX XXXX AND THEY HAVE NO INFORMATION, ONLY ASK ME TO PAY. WHEN I ASK FOR PROOF THAT THIS IS MY ACCOUNT XXXX XXXXXXXX XXXX DISCONNECT THE CALL. i HAVE WRITTEN LETTERS AND HAVE NEVER RECEIVED A REPLY. MY CREDIT REPORT SPEAKS FOR IT SELF I DO NOT USE CREDIT, I HAVE A XXXX  CREDIT CARD WITH XXXX {$1000.00} LIMIT AND ITS ALWAYS PAID I DO NOT AND HAVE NOT HAD ANY OTHER CREDIT CARDS OR ACCOUNTS WITH ANY OTHER LENDING INSTITUTION OVER THE COURSE OF THE PAST 7 YEARS EXCEPT FOR XXXX. I REQUEST PROOF THAT THIS AMOUNT OWED IS MINE THERE MUST BE SOMETHING WITH MY SIGNATURE ON IT. TO OPEN AN ACCOUNT ONE MUST SHOW IDENTIFICATION ANY PROOF THAT THIS IS MINE. I AM A XXXX XXXX VETERAN LIVING ON A FIXED INCOME, I AM VERY TIGHT WITH MY MONEY I WOULD NEVER HAVE ANY ACCOUNT WITH ANY OTHER LENDING INSTITUTION BECAUSE XXXX TAKES CARE OF ALL MY BANKING AND CREDIT NEEDS. HOW CAN THIS BE. NO PROOF AND DIFFERENT INFORMATION REPORTED TO ALL THREE CREDIT REPORTING AGENCIES.
A few weeks ago I increased my monthly payments from direct debit to add an extra {$140.00} per month onto my monthly installment amount. I received an email on XXXX XXXX, 2017 at XXXX XXXX stating that I am enrolled in direct debit service so the payment of {$360.00} will be automatically withdrawn from my bank account on X/XX/2017. On XXXX XXXX, 2017, I looked at my bank account and noticed that my student loan payment was not taken out of my checking account. I called customer service and was placed on hold for 35 minutes, only for them to tell me that the Delinquency is no big deal, that the confirmation letter they sent me on XXXX XXXX was a mistake in their system, and that it wo n't change anything on my account. Upon logging into my account I noticed that all of my loans were DELINQUENT. I manually processed a full payment immediately in order to cover the over due balance. I then received another letter on XXXX XXXX, 2017 stating that interest had been capitalized on my loans. I immediately went in and made a payment for the interest amount of {$53.00}. This error needs to be corrected and I demand the delinquent status be taken off of my account and erased from my payment/credit history. I talked to customer service today for 33 minutes and they admitted their mistake in sending me a confirmation that my payment would be automatically withdrawn on the due date, they told me that because of a delay in their system, they could not take off the capitalized interest. I then spoke to a manager who put in a claim for me and told me to call back in two weeks. I do n't want to wait two weeks to get my money back and for them to fix their mistake. But not for the confirmation email and letter I received on XXXX XXXX, 2017, I would not be delinquent on my loans, had forbearance placed on my loans, and be charged capitalized interest. I pay my bills every month when they are due and in fact, I pay more than what is due. As a customer I deserve respect and I was treated as if it was my fault. The customer service man I spoke with today, XXXX XXXX, told me that it is not likely anyone will be able to help me even though he is putting in a request to management, after he rightfully admitted that the reason for this matter was due to their own mistake and systems. I have received emails and letters in the mail which apparently, accounting to FedLoan Customer Service, were incorrect. As a customer, I relied on this information from FedLoan Servicing, which caused my accounts to become delinquent and my loan interest to be capitalized. I am very disappointed in FedLoanServicing and I expect this mistake will be fixed promptly.
I have paid my student loan for over 7 years, month in, month out reliably and without issue. I logged on to increase the amount of my Direct Debit payment to send them even more money on a monthly basis ( {$200.00} ), well above the minimum amount ( {$180.00} ). I received a confirmation from them that the Direct debit ( automatically drafting my bank account ) was adjusted correctly, on XXXX XXXX. Then, the day after my payment was due, on XXXX XXXX, I logged on to ensure that the additional amount over the minimum was pulled form my bank account and correctly applied to my fed loan servicing account. I logged on and was immediately informed that my account, which has been paid consistently on time for over 72 months, was delinquent. FED Loan Servicing decided, in their infinite wisdom, to go ahead and make the executive decision to not honor my standing instructions to pay anything towards my loan that month, even after I received a confirmation that the direct debit status was active on XXXX XXXX  They sent me a confirmation in writing that a certain amount would be debited from my bank and paid towards my account yet they did not honor my standing instruction to do so, even though through their own admission, this request was received in good order.
The current situation regarding the security breach with Equifax is unacceptable, and proves rampant incompetence on their part. Equifax mishandled my personal and private credit information, and blatantly refused to protect the information of myself and millions of Americans. Not only this, but I found out via social media, and not by Equifax directly, which I take direct offense to. Per the equifaxsecurity2017.com website I am one of the people 's whose information has been stolen, which I solely blame Equifax for.
This is an ongoing issue with 21st mortgage Corporation. We have had our loan since XXXX and a voice kept in good standings up until we had a business go under in XXXX. But even then our priority was to get our home payment in as timely as possible. I was trying to call and deal with these people to let them know the plan. We've had an ongoing issue as I got hurt at work in a file for work comp. The staff in the entire company is so unprofessional with her attitude and demeanor is atrocious. I finally have my wits end today as I told them we have a plan to resolve but are waiting upon the US Postal Service. I was informed that I need they need to know exactly when I would be resolving, so I again told them the processing had been done at the company for the plan to get caught up with our payments, and just waiting for the US Postal Service to deliver the payment. As soon as payment is received I would be making a payment to them. Their response was as usual I'm irresponsible and have no priorities. Then we have to rehash the last 18 months of how we ended up where we are now even though they're supposed to be keeping records of all the times I have called and kept them up-to-date on all the developments that have happened in those 18 months. The one lady even said that's too far back it doesn't matter to her even though it's relevant to the Fact we are waiting on Workmen 's Compensation. After hanging up on them because there is no resolution possible since they demanded I have the payment in by closing time today or else. I found the hope counseling number on the Federal Trade Commission website. I worked with a counselor there and conference called 21st mortgage. Goal was to figure out some type of loan modification or plan to get caught up and they have no plans and they do not put dissipate with mitigation at all. She couldn't believe that they didn't work it any way shape or form to get a person caught up on their loan. He was at least professional in dealing with a phone call. When I have to call them again I will definitely be utilizing that the counselor has them mediator. They really need to work on training their staff to properly and professionally deal with collections versus the bashing, belittling, and bullying that is going on
My bank Wells Fargo Bank offers an " Alerting '' service on my accounts. I opt to get notified via email and text message for overdrafts. The message is titled " Overdraft Protection Advance Notice ''. That implies that I will be notified in advance and I will have the opportunity to correct my balance in order to avoid overdraft fees. However, those " alerts '' are only sent the day after the charges are actually charged to my accounts. This is blatantly deceptive and should result in a class action law suit.
For over 18 months I have been submitting documents to Selene to get assistance with my home mortgage. They do not notify me of any missing documents they might need, nor will they tell me why they continue to not assist me. They call XXXX and XXXX times a day and are very threatening. They refuse to take any payment since XXXX 2016, saying that I had to pay the full amount due or they would foreclose immediately. This past XXXX ( after at least XXXX written applications/requests for a loan modification for my home ) they finally carried thru with their threat. For the next 2 months they harassed and harassed me with numerous calls and messages each day and they refused to negotiate and only wanted the full amount due ( approx. {$14000.00} ). Finally with no option left, I filed CH XXXX bankruptcy. During the next 30 days I again, called Selene to see what I could do to keep my home. They said there was nothing that could be done, except to stay current and let the Bankruptcy proceed. In middle XXXX I had my case dismissed without prejudice due to my circumstances. Since then Selene is back to harassing me and giving me false hope and information. Last week, XXXX I re filed an application for Loan modification, as once again my house is in foreclosure. I have repeatedly asked for a different contact person as the one I have XXXX is abusive and is very prejudiced against me. Selene does not follow the FTC or CFPB guidelines and continues to be harassing and threatening. In XXXX they did not send me any notice that my house was in foreclosure, and as of today I have not receiveed anything for the current status. I need your help. 
My income dropped, it was XXXX and now only XXXX. I am the only provider and I need to keep my house. The deny my requests saying I can afford to pay the arrears within 3 months, but I can not afford to make my payments. 

Please investigate this company, as they continue to break FTC and CFPB guidelines regarding collection practices. They follow no guidelines but their own. 

Thank you!
I tried to remit money to my account in XXXX which I have always done with Western Union. I selected the transaction and they sent me information where I have to deposit the money to which was their account with XXXX XXXX XXXX. I went to XXXX  XXXX XXXX and presented the information they sent to me and gave them my bank card which they used to do the cash advance from my account and deposited the cash to Western Union account with XXXX XXXX XXXX. I called Western Union to report that the transaction have been completed so they could complete it on their own end but they told me its suppose to be wire transfer which I have never ever made before. Then they said they will refund me my money, it been three weeks yet I have not received my refund and one of their agent cancelled my transaction without my consent or even refund. All of a sudden, they again turn around to say they never received my money after one of them confirmed receiving the money. I went back to the XXXX XXXX XXXX couple of times and one of the banker who was a witness spoke to Western Union agent on the phone and told them to send my money back if they will not do the transaction, yet till this day I have not seen my money. Spoke to XXXX XXXX XXXX Manager who was aware of the situation, he asked me if I think is a fraud and I told him if its a fraudulent account he will have to know but he never responded and told me to continue to wait for them to send my money back to me. Please see the attached evidence that the payment was made cash to the account they sent me. 
I have showed them evidences severally, yet they are holding unto my money.
XXXX XXXX, XXXX Consumer Financial Protection Bureau Re : Wells Fargo Home Mortgage Consumer Financial Protection Bureau Case Number : XXXX Borrower : XXXX XXXX Property Address : XXXX XXXX XXXX, XXXX XXXX CA XXXX Loan Number : XXXX Dear Representative, I am in the process of selling my home and need an extension of the foreclosure sale date, currently scheduled for tomorrow XXXX XXXX, XXXX. I 'm writing today to ask for your assistance. 
I am working with Wells Fargo to sell the property to avoid foreclosure. The property has been sold and the new Buyer has taken possession as a renter waiting for the Bankruptcy Court to approval removal of the final lien before escrow can close. 
The Court is requesting information from Wells Fargo as evidenced by the attached document. I forwarded the Court 's request to Wells Fargo on XXXX XXXX, XXXX via fax. Wells Fargo does not have record of receiving the fax, although they do have record of the phone call. 
Wells Fargo is now requesting information from escrow and the Buyer 's Lender before they will stop the foreclosure, which again is scheduled for tomorrow.. I am working to get that information to Wells Fargo ( a signed extension of the escrow period and a copy of the Buyer 's loan approval ), but Wells Fargo has stated they can not guarantee the foreclosure will be postponement. 
The sale of the property is a standard sale ; Wells Fargo will receive 100 % of the original loan balance, plus late fees, plus foreclosure fees. There were several liens on the property which have prevented the sale from closing, all but one of those liens have been removed, and once Wells Fargo provides the Court with the information requested, the final lien will be removed and the home sold.. 
I 'm asking Wells Fargo to allow us to the end of XXXX to close the sell and avoid foreclosure. Any help you can provide on this matter is greatly appreciated. 
Sincerely, XXXX
Pressler & Pressler took 100 % of the funds from the bank account of a friend who let me use their account XXXX years ago to cash my unemployment. They will not give his money back until her proves to them it is his money!! I have been unemployed for XXXX years, have no home or belongings. They sent me a notice back in XXXX 2015 that they were collecting the debt and I wrote back that I disputed it. No communication since then. Then they took the funds and when my friend asked the bank what happened, they gave him a copy of the writ. It looks fake. I contacted Pressler and Pressler and told them what they did was wrong, and they were evil. They said that they would not give back the funds until my friends proved it was their account. They requested 3 months of their bank statements and deposits. They supplied them and P & P still denied refunding their money. My friends have asked me to leave their home, in fear that P & P will go there next and try to take their belongings saying that they are mine and making them prove otherwise. This is just horrible and they need to stop. Please help.
did a dispute with PRA llc they sent me XXXX copys of statements that do n't add up looks to be altered but there investigation says it 's valid
When attempting to link my Capital One Credit Card it will not allow me to link my card to my trim account.
XXXX has several loans on my credit report as open even though I had consolidated and have been paying XXXX for over seven years. they keep updating my credit report with an increasing balance. I have contacted XXXX and they have no record of having an account with them. I've have tried disputing on my credit account but they come back verified and accurate. please help.
I have a Citibank ThankYou Visa card. On XX/XX/XXXX, I paid the outstanding balance of {$33000.00} in full via a transfer from my Citibank checking account. On XX/XX/XXXX, the same payment was again transferred from my account. 
I called the credit card customer service and asked to get my money back to my checking account. I spoke with XXXX ( XXXX ) who promised to expedite the refund. 
On XX/XX/XXXX I called again, and ask to speak with a supervisor. I was told that it takes up to 10 days to issue a refund, and there was nothing else she could do about it. 
On XX/XX/XXXX I also spoke to my Citibank branch in XXXX, and they called on my behalf and received the same answer. 
On XX/XX/XXXX again the Ciitibank branch called on my behalf, and was told that it will take a few more days to issue the refund. 
Today is XX/XX/XXXX and I still do not have my money back. {$33000.00} is a lot of money, that I need to get back, and nothing is being done. I would hope you can help in getting my money back into my checking account immediately. 
Thanks, XXXX XXXX XXXX
I have an unverified account from MIDWEST RECOVERY SYSTEMS. I had previously disputed this account. I have never done business with MIDWEST RECOVERY SYSTEMS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that MIDWEST RECOVERY SYSTEMS Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that MIDWEST RECOVERY SYSTEMS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.