WillisBack/dataset-financial-user-claim huggingface dataset:
I have been a victim of fraud and need to stop all ACH payments with this company. 

RE : Revocation of ACH Credit and Debit Authorization To Whom It May Concern : Effective immediately, I hereby revoke any and all prior ACH Credit and Debit Authorizations related to the above referenced account. A copy of the ACH Authorization is enclosed. Please confirm receipt of this revocation, and your intention to honor it, no later than XX/XX/2018. Confirmation may be made via email at XXXX or XXXX Your signature, XXXX XXXX XXXX
Afni Collections, Inc. sent a letter stating that I owed XXXX XXXX {$120.00}. I sent a debt and consumer verification letter requesting proof I I did in fact owe the money and how the amount was calculated. Afni is in violation of FDCPA 15 U.S.C. 1692 et seq. In XXXX v. XXXX, et al. 2014, XXXX Circuit ruled that " the verification requirement was satisfied where the debtor could sufficiently dispute the payment obligation. '' They have reported to XXXX credit bureaus without adequate proof of the debt. They failed to provide information and acted illegally, and are guilty of providing unproven information of a libelous nature. Additionally, they falsely accessed my credit report, having insufficient information to prove I have a valid debt, or that they even have assignment of the debt.
When I turned XXXX last year I went in to XXXX XXXX and the banker helped me apply for a credit card. The credit card was denied because I was in " debt ''. I had just turned XXXX, and I applied for a credit card to help me build my credit. I was upset that They denied my application, and I was told I had to wait 6 months to try again. I wanted to know why, so I looked in to getting a credit report. Just turning XXXX years old should have meant I have absolutely nothing negative on my credit report. When I was sent my credit report from all three credit " reporters '' their was an error on my account, saying that I owed thousands of dollars in medical bills from XXXX of 2009. In XXXX 2009 I was XXXX years old, and legally I was not responsible for paying for that. I called and explained this to the person at experian, and they said they would take care of it, and supposedly they did. This week, I went in again to apply for a credit card, and I was denied again. I can not believe that this is happening to me. I can not get a finance a car, or get a credit card, all because of this error. This is not fair to me. I 'm a XXXX, who wants to be an XXXX when I graduate, and credit is the most important thing to me. I am asking for help. I have so many other things to worry about like homework, school and work, and it 's not fair to me that I even have to go through this nonsense. 
Sincerely, XXXX XXXX
LVNV Funding LLC/Resurgent Capital Services has reported a negative account on my credit reports with XXXX, XXXX, and XXXX. I do not have a contract with them. I am not responsible for this debt. I have disputed this account a couple of times, and LVNV/Resurgent Capital Services refuse to delete this inaccurate information from reporting on my credit.The original creditor is XXXX who sold this to LVNC/Resurgent Capital Services. Account # : XXXX for {$190.00}. They have not properly validated this debt with a signed contract and my signature. This is unfair debt collection practices. I have no contract with this company. Delete off of my credit.
I had a client do an international wire transfer to me because I trade the foreign exchange market. I have been a professional trader, trading for my self and clients for four years now. This client sent the funds to my account and about 3 weeks later contacted his bank stating it was wire transfer fraud and he did n't know me. This client e mailed me, talked to me on the phone, sent me messages on  XXXX  for over 6 months prior to doing business and we met twice before. The client also signed an Esign on my contract. I had already made capital gains on his trading account between the time he funded the account and paid my fee an d the 3 weeks before h e claimed a dispute at his bank. When I asked this client why he made the wire transfer fraud claim, he stated he did n't plan on paying me for the work I did. He removed me as a cosigner on the trading account and got the {$4500.00} in the account . US Ban k put {$1600.00} on hold in my account with them.US Bank 's wire transfer department reached out to me right away about the situation and stated my account has to be on hold now until the investigation is over. This situation started back in  XXXX    XXXX   and still has n't been resolved up to today. I played phone tag w ith the US Bank wire transfer department and they kept telling me to contact my local US B ank primary location who put the hold on my account to have the situation taken care of. So I reached out to the  bank manager at my primary US Bank location about the situation. She told me to send her all my proof and situation to her email. I emailed her 3 times and got no response. About a month after the emails were sent, the bank manager finally called me and told me there was nothing she could do on the situation and the wire transfer department told her to leave the hold on my ac count. She stated to contact  XXXX  at the wire transfer department again who had my case. I contacted and talked to  two people i n the wire transfer department again following up and was told no one was available to discuss the situation and that  XXXX  was out of the office for a week. I left a voicemail that day and never heard anything back. I waited for another month and called again. I got no response from  XXXX  or the other main guy on my case involved in the wire transfer department. I went to another bank location in my town and contacted there email support. They both stated there was a hold on my account and only my primary location can remove the bank hold. This has been going on for over a year and I 'm looking to get the hold removed from the account.
I have tried multiple times calling and mailing XXXX, XXXX and equifax asking them to remove inquiries that I did not validate even after directly contacting the companies who the inquires were with. Neither the company nor the 3 bureaus would remove the non account holding inquiries. I have been trying off and on for two years to get this resolved.
On XXXX/XXXX/XXXX Portfolio recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted Portfolio Recovery @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the rep sttd no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the rep said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says XXXX XXXX XXXX however, I have never banked with XXXX XXXX and never have fallen behind on any of my credit cards with XXXX XXXX. I have also contacted XXXX XXXX and have been advised nothing has been sent by them to this collections agency.
To Whom It May Concern, I am writing you today and attaching this to my credit dispute. I had a bill that went to collections that I paid immediately because an apartment I was attempting to get with my wife, found it on my credit report. It is from the Agency Client ERC Account ending in XXXX. I never once was given a final bill calling for the {$100.00} that I owed them as well as a overdue note or notice of delinquency. If I would have known to dispute this before I paid it I would have, unfortunately I did have to pay it off as well in order to get the apartment itself. Thank you so much. 

Sincerely, XXXX XXXX I wrote this dispute letter to XXXX and submitted the dispute on X/XX/2017 and have yet still not received any information or resolution. I was told it would be ready in XX/XX/XXXX, I have checked it every month waiting for an update, but there is none. As far as my understanding they have no more than 45 days to finalize the dispute. The only reason I knew that I owed the {$100.00} was the call from the collections company, never a final bill from XXXX themselves. I paid the balance immediately hoping it would resolve everything, unknowingly it would actually stay on my credit report and continue to hurt me.
Equifax is showing an Open Collection of {$290.00} for XXXX as reported by XXXX XXXX. I had previously contacted them & stated this acct had been inc in my 2009 bankruptcy. They came back & said they verified the debt thru XXXX. I then contacted XXXX & sent them copies of my bankruptcy. It showed the rental property at XXXX XXXX XXXX XXXX VA XXXX, for which the XXXX acct was for, had been surrendered and the XXXX acct listed under creditors. I then heard from XXXX ( XXXX XXXX XXXX with the XXXX Escalation Team. He said XXXX had been instructed to cancel and withdraw the collection and to report this info to the credit bureaus. A week later I obtained a new copy of my credit reports and it was still showing as an Open Collection. I spoke XXXX again and he put me on hold while he called XXXX and spoke with XXXX at XXXX XXXX XXXX XXXX. XXXX said she had been instructed, again, to cancel the collection and withdraw the info fr the cr bureaus. He gave me her contact info and said to call her to confirm. XXXX would not talk to me as it was a collection. She gave the # to their collections dept. ( XXXX ) XXXX. I then spoke XXXX ( XXXX XXXX who said that XXXX had canceled it but they were still reporting it until they were paid by XXXX. I said this was illegal. Once the creditor advised them the account was in error and had been discharged under bankruptcy they had no right to continue reporting it as a collection item. What happens between XXXX and XXXX re payment or cancellation fee is not my concern.
My wife and I sent investigation requests to Equifax back in XXXX. I am attaching a copy of the request we sent them. My wife received her investigation results well over a month ago. To date, Equifax has not sent me anything. I have sent several follow-up letters to Equifax. Still nothing.
I have been trying to finalize a mortgage modification since XXXX 2014 with Chase Mortgage from filing a chapter XXXX bankruptcy. Chase has filed my home in foreclosure after telling me numerous time not to make payments and then make payments to only certain representatives. I had to come up with funds to pay to get it out of foreclosure due to their specialists advice to me on how to make payments. They keep asking for a Quit Claim Deed of which XXXX XXXX no longer allows to be filed. I was told that I had to draw up the document and get my Estranged Ex Spouse to sign it and file it to submit to them. After telling them the judge in my divorce hearing said I only had to file my recorded decree at the county to show ownership of the property. Their specialist called XXXX XXXX Clerk to confirm this, and then called XXXX XXXX XXXX and they said they do accept Quit Claim Deeds, she informed me to go file it in XXXX XXXX? My property is in XXXX XXXX?? After numerous attempts we finally got a trial period set up. I was told to make a payment once I signed the documents to only find out I was kicked out the trial period because of making that said payment. I filed a complaint and they arranged for another trial period. Now I have made the payments on time, and now no modification documents. I am being asked for the same documents required for the trial period. My recorded divorce decree has been on file with them since XXXX 2014. And they are asking for a Quit Claim deed still?? I believe Chase and its investors are just trying strategies to take my home for resale value. I was told once you come out of a trial period, the modification documents should be drawn up to process and sent out to me. That is not happening with Chase. No one can tell me why its taking so long - just either to make the trial payment. And then others say not to make the payment to hold off. The same scenario over and over - NO one knows what they are doing at Chase Mortgage. I am so frustrated at this point. The Escalation managers call you back only to say they will find out what is going on and investigate. Last year after investigating all they sent me was copies of letters that were sent to me regarding my payments. But never sent me the Recorded Line conversations with their specialists giving me the wrong information. Now every conversation I let them know I have their names and dates of every conversation. Today I was told they will go back and listen to the last week conversation of specialist telling to make the trial payment even though the modification documents had not been processed. And then turn around and say hold off on doing so, because if I make the payment, it will only go into a suspense account and be applied to the principal after the modification payments are made. So I would be making payments back to back without a 30 day break. So I went ahead and made the payment today - and finally my specialist calls me back after numerous messages to inform me that it is still in process and holding due to my ex spouse name still on title????
I had paid {$15000.00}. cash towards a floor model vehicle in XXXX, I purchased a 2013 Hyundai Genesis. My credit rating was not the best, so I attempted to build and est. a good loan to build the credit, the dealership enrolled me with Ally Auto. However, they did not give me a loan minus the total down payment I placed on the car instead they financed me for the total value of the car at the time, which was overpriced, and the financing rate they have me in ranges from 10 to 12 %, I can not afford these predatory rates they have me locked in, the car is not even worth the same value of the loan, not only that, but the late payments because I am always trying to catch up accrue and they have taken more money from me for the financing charges than ever the actual loan. It is more than 50 % They have stolen Thousands of dollars from me, at least {$20000.00}. and I need help in getting out of this and away from them. Please Help me, they are bleeding me dry every month and even when I was paying early it did not matter they penalized me even then it seems the rate went up even more. These guys are so crooked I am truly a victim of predatory lending practice because they view me as a minority due to my low credit score, that never even went up anyways when I was paying on time or well in advance of my due dates for more than a year. I really need help?
I could n't find another appropriate option. The debt was not paid ; the debt is/was not owed. XXXX overcharges for data services and I had only XXXX cellular phone account with only XXXX cellular phone but they would claim that my bill exceeded $ 300 monthly, which is outrageous. They falsely advertise an unlimited data plan. I was at my wit ' send and disputed the validity of the purported enormous balance. I canceled my service and they retained my deposit of {$400.00}. They have yet to properly handle my bill disputes. In fact, they have willfully ignored my correspondence disputing the purported balance. Today I received notification that they have reported a debt owed of {$780.00} to the credit bureaus which is a direct violation of the Fair Credit Reporting Act. The bill is at best under dispute for overcharging with XXXX directly. To report it as a valid debt that has not been under claims is effectually premature. I have no negative collection accounts and their report to the credit bureaus has resulted in denial of credit today. I demand that they are enjoined to immediately remove the reported collection account from all XXXX bureaus and correct the excessively high bill. They have been found liable for unfair business practice of overcharging for data and this is exactly what they are doing to me. 

I only had XXXX account, XXXX phone, and the phone was NOT on an installment plan. I owe no balance for the XXXX XXXX, and I owe no balance for the cellular account. If they were to process my innumerable billing claims and correct the bill, a XXXX balance account will be the result, especially considered that they remain in possession of the {$400.00} I deposited with them to start service.
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.
The debt for XXXX college through the collections agency williams and fudge has never been validated. This account has been removed and readded TWICE without any notice to me, as well as no validation of the account sent to me at all. The collection agency has my phone number, home address and email address and has never notified me of readding this account. I want this account removed for good and blocked from ever being readded as they have broken FCRA laws while trying to collect an unverified debt and ruining my credit worthyness under false and inaccurate information.
On Thursday, XX/XX/XXXX I was served at home with a subpoena titled from the XXXX County Court commanding me to appear at XXXX XXXX XXXX on XX/XX/XXXX and signed by XXXX XXXX XXXX XXXX, XXXX. of XXXX and XXXX regarding a XXXX judgment. I am too ill to travel and had explained this to XXXX XXXX XXXX XXXX and XXXX in writing in back in XX/XX/XXXX after he had me served with a subpoena on XX/XX/XXXX. I sent a motion to the XXXX County Courthouse on XX/XX/XXXX to quash. The XXXX County judge called me at home and in a three way conference call with XXXX XXXX XXXX XXXX and XXXX granted my motion to quash and stated that I did not have to appear regarding this matter. XXXX XXXX agreed. 

I called both the XXXX County Courthouse and the XXXX County Clerk on Friday, XX/XX/XXXX. Neither of them had any record of this XXXX subpoena and stated that the XXXX subpoena had been withdrawn on XX/XX/XXXX. I faxed the XXXX County Courthouse a letter and the XX/XX/XXXX subpoena on Friday, XX/XX/XXXX for their records. 

Because of being served the XXXX subpoena on Thursday after the XXXX subpoena had been quashed by the XXXX County Judge and withdrawn and previous asking multiple times for XXXX XXXX XXXX XXXX XXXX XXXX and XXXX to cease and desist all contact with me, I filed complaints with your Attorney Grievance Committee, the New York State Attorney General 's Office and now with CFPB.
ServiSolutions is my servicer. They paid taxes of {$3300.00} on XXXX/XXXX/XXXX for parcel # XXXX. My tax bill for XX/XX/XXXX was {$590.00} and my property parcel # is XXXX. This error created a negative balance in my escrow account. I received my statement and contacted them in XXXX XXXX to correct the error. It was not corrected until XXXX XXXX, XXXX when they paid {$650.00} on the proper tax parcel. This payment came out of my escrow account and included a {$45.00} penalty for late payment and {$23.00} interest charge on late payment. 
They did an escrow analysis at the beginning of this year and determined I owed a lot of money for the negative escrow balance which was inappropriately withdrawn. The escrow payment has gone up to {$490.00} a month from {$110.00} a month in order to fund the inappropriate disbursements. 
I have contacted them multiple times to fix the escrow account and my payment. They are telling me they will not credit my escrow for the amounts they fraudulently disbursed but are waiting for the county to refund them the first tax payment. Until then, they will not adjust my payment to the appropriate amount and will not accept any payment other than one that includes funds to cover the negative escrow.
Ba nk of America  refused to issue a fraud charge against  XXXX   XXXX   XXXX   XXXX , Massachusetts.   XXXX   performed unathorized and unnecessary services on my  XXXX   XXXX . In addition they damaged the rims to the extent they had to be replaced. The tires they applied where inferior and they were replaced with the proper ones.   I am demanding a credit to  XXXX  on Bank  of America  for {$1700.00}. and {$1400.00}. for the rims/tires that were replaced.   Bank o f America ke eps sending me copies from  XXXX   XXXX   XXXX   XXXX  that were doctored/forged. No originals were ever given to be.   I demand Bank  of America Regulatory Complaints cease harassin g me.
XXXX and XXXX have both removed the judgments from my credit report due to inaccurate reporting. I am asking that Experian do the same, as the judgments were never reported as satisfied under XXXX v. Equifax Information Services, LLC Civil Action No. XXXX and XXXX XXXX XXXX v. XXXX XXXX XXXX , Case No. XXXX, U.S. District Court, XXXX District of Virginia. Both credit reporting agencies have removed the judgments for reporting them inaccurately.
I had a car loan with Wells Fargo Dealer Services, that ended up in a total loss after a car accident on XX/XX/XXXX. The insurance company sent over payment to Wells Fargo, but due to the time it takes to process, it wasnt received in Wells Fargos system yet. I was advised by a representative at Wells Fargo to make an additional XXXX payment even though the car was a total loss and the insurance had already paid the loan off. I sent the payment on XX/XX/XXXX. I was told that the additional payment would be immediately reversed as soon as their system reflected the pay-off being received. Towards the end of XXXX, I had not received the reimbursement, so I called back and discovered Wells Fargo sent a check by mail ; which I NEVER received. I called Wells Fargo back again in the middle of XXXX, told them I did not receive it, asked them to confirm that it had not been cashed ( which they did and it HAD NOT ). At that time, they told me they would re-issue a check, but that they could not overnight it, but that I would receive it in 7-10 business days. Instead of receiving a replacement check in the mail as promised, I received a letter with the subject : Action required to reissue payment for check number XXXX in the amount of {$470.00} and instructions on how to submit and Affidavit agreement which I had to have notarized in order for them to re-issue a check. I completed the Affidavit, had it notarized, and faxed AND emailed it to a supervisor named XXXX ( XXXX ) on XX/XX/XXXX. After having the issue escalated to supervisor XXXX, I requested to have Wells Fargo overnight the re-issued check to me. XXXX explained that this isnt something that they normally do, but that he would escalate it further to see if they could make an exception. XXXX advised me to call back this morning for a status on the exception, and that if he was unavailable to have the representative that answered instant message him. The representative that I spoke with today, would not give me any information, would not instant message XXXX, but would only put me through to another supervisor, XXXX employee # XXXX. XXXX gave me the same run around and said that she checked with XXXX and his supervisor would not approve the exception to overnight the check ; that they could not do that unless I supplied the XXXX acct #. I expressed that this is VERY POOR customer service. It should be the cost of doing business at this point and they already attempted to send me a check by mail that I did not receive. XXXX advised that she could not authorize this and I explained that she needed to get me someone that could. This is ridiculous and that I want my money. Supposedly, they somehow approved overnighting the check to me, however, it will take 48 hours for them to process ( how or why would it EVER take this long?? ). I told supervisor  XXXX that I expected a call back after it is processed to provide me with the tracking information. I have called at least 10 times and spoken to at least 10 different people over the course of 2 months trying to obtain my money. EXTREMELY FRUSTRATING AND VERY POOR CUSTOMER SERVICE.