WillisBack/dataset-financial-user-claim huggingface dataset:
Since XX/XX/2018 i have been charged an excessive amount of bank fees, in the amount of $XXXX dollars. Some of which were not caused by personal error, as well as some caused by account minipulation on behalf of the bank. Flip flopping transactions day to day to cause a bank fee is common practice. I changed my mortgage payment, through XXXX XXXX, to come out the XX/XX/XXXX instead of the XX/XX/XXXX. XXXX XXXX made a mistake and withdrew the mortgage on the XX/XX/XXXX causeing a domino effect of bank fees. I was able to have XXXX XXXX retract the withdrawl, but citizens bank will not return the charged fees on my account. I am opted out of overdraft "protection", so the only method i can incure a fee is from a preauthorized debit or check. With that said, Citizens bank minipulates my account activity to cause a negative balance to charge me a fee. This has happened to me before by this bank, and they have previously returned fees to me, but refuse to return the fees now.
FIRST AND FOREMOST THE DEBT IN QUESTION IS REGARDING MEDICAL DEBT! As a Medical Debt it falls under the provisions of HIPPA Laws and FDCPA. I never in my sober and contious state of mind ever gave my permission for my medical records to be disclosed as i know under HIPPA laws .... Can only be accessed via a court order by a judge or I myself give written authorization to realease my medical history or any documents related to medical treatments!!! Required by the XXXXealth Insurance Portability and Accountability Act, 45 C.F.R. Parts 160 and 164. 

XXXX XXXX XXXX XXXX .Has willfully and maliciously broken FDCPA LAWS AND HIPPA LAWS. LET THAT BE CLEAR!!!! how you ask? easily- fdcpa 808 ( 1 ) under unfair practices of collection of debt clearly states : The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. A CONTRACT IN OTHERWORDS ... 

AS STATED IN THE BEGINNING I NEVER GAVE THESE CROOKS ACCESS TO MY MEDICAL INFORMATION, OR UNLESS THEY GOT A COURT ORDER I DONT KNOW ABOUT!??? how then are they adding interest to an alleged debt, WITHOUT HAVING THE INSTRUMENT/CONTRACT, MEDICAL FORMS THAT CAUSED THE DEBT? 

ILLEGAL, UNLAWFUL, AND DECEPTIVE MEANS HAVE BEEN USED AND I FULLY INTEND TO SUE FOR TWO COUNTS OF DAMAGES MADE UNTO ME! 

BE AWARE I INTEND TO SUE YOU, I WILL TURN ALL THE FOLLOWING DOCUMENTS TO COURT CLERKS AND SEEK IN DISCOVER MOTION the instrument/contract you used to add interest to this alleged debt. Unless your willing to falsify documents, perjure your whole company, and lie in front of a judge then by all means let 's go to court. ill pay my {$50.00} filling fee to serve you a court summons.
On XX/XX/XXXX, a collections account from " Wakefield & Associates '' was added to my credit reports ( XXXX, XXXX, & XXXX ). I did not recognize this accounts and immediately contacted the collector. I was told on XXXX occasions that I owed a collective balance of {$5000.00} to a hospital in XXXX. I was not provided with any information to verify the debt besides a hospital name as the Creditor. I contacted the hospital and it was confirmed that I do not have a balance with the hospital. I contacted Wakefield again with a telephone no. for the hospital to verify this and the agent refused to assist in verifying the absence of the debt they claim I owe. I asked for specifics on the debt ( it was stated that they are trying to collect on XXXX visits to the hospital ). I was told they could not disclose the information on the specific accounts, only the amounts - no dates of service, etc. I have never received any written communications in regard to the alleged debt, although I did provide my current mailing address. I have verified with my insurance co. and the hospital that there is no balance owed. The collector refuses to provide an account number or proof of debt. The original creditor states there is no existing debt, that it was paid by my insurance company at the time of service.
I received a phone call from Capital Management Services on XXXX XXXX and the representative stated I had an account with XXXX and the balance is {$1000.00}. The representative stated the original balance was {$350.00}, but with court cost and fees the balance is now {$1000.00}. The representative stated I would need to pay settlement balance in full of {$300.00} in 10 days or I will be subject to arrest or property seized. I immediately hung the phone up on the representative. Capital Management Services called my phone back to back, but I did not answer.
I requested that the credit bureau explain or prove how they verified the accuracy of a public record on my credit report. They did not send me copies of documents used to verify the account information. They did not give me the name of the person who verified the information as I requested, yet continue to display unverified information on my credit report.
Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks!
XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX- Unauthorized Inquiry not my account XX/XX/XXXX XXXX XXXX Unauthorized Inquiry not my account. 

I have contacted Transunion about each inquiry that was Unauthorized not did I know about it till I actually pulled my credit report. I sent them a letter disputing each inquiry and they sent me a letter back stating they needed to know why I was writing them and they denied my dispute. I would like for these inquiries to be removed because they were not made nor authorized by me. I have uploaded my ID and social for proof of identity.
TSI repeatedly tried to collect a debt that was not mine. I repeatedly asked for an invoice, which they are legally required to provide. After 6 months of going back and forth, their calls stopped. I found out this week that they had reported this to the credit agencies without any action on their part to resolve or provided the required backup documentation. After it was on my credit report, I went back and found my date book which showed I was out of the country and was able to confirm by the stamps in my passport.
This complaint is a follow up complaint to XXXX I submitted in early XXXX against US Bank. In XXXX I closed my bank account with US Bank, which was connected to a credit line for overdraft protection. In XXXX of XXXX I was notified through a collection caller that I was past due on payments with US Bank. This was puzzling because the only account I had with US Bank was the XXXX I closed in XXXX. I contacted US Bank that same night and they informed me that from XXXX XXXX somebody had made multiple purchases online for around {$1.00} using my account. This triggered the credit line to kick in as overdraft protection ( because again the account was supposed to be closed in XXXX, so it did not have a balance ). I submitted a fraud claim that night for both the fraud on a checking account ( that should 've been closed in XXXX ) and the balance on the credit line, which was triggered because of the fraud committed. US Bank recommended I make a payment to stop the collection calls to my father 's house. So in early XXXX I made a payment of {$70.00}, a couple days after that US Bank decided to contact the credit bureaus ( only after I made the payment under their recommendation in XXXX ). I am not sure why it took US Bank 11 months to decide and report this to the credit bureaus, or why I did not hear from US Bank until XXXX about these charges. 
After making several calls to US Bank and visiting a branch office, I contacted CFPB because US Bank was not responding to inquiries around my fraud claim. Once CFPB contacted US Bank, US Bank finally provided me a respond that raised more questions than it provided answers. Thus, I contacted XXXX ( my point of contact ) from US Bank and NEVER heard from her. I left various messages. I then contacted costumer service multiple times a week for two weeks straight, and all they kept saying was somebody will call you within XXXX48 hours, but nobody has. I am frustrated with the time I 've wasted in trying to resolve this issue with US Bank, while US Bank ignores me and continues to report incorrect information to the credit bureaus ( my credit score dropped from a XXXX to a XXXX ). I am infuriated that US Bank has so easily destroyed the years of work I 've put into raising my credit score. 
CFPB please ask US Bank to : 1. Complete its investigation of my fraud claim ( both to checking account and credit line ), according to their policies they have 90 days from when I submitted my complaint to investigate. I submitted my complaint in XXXX and still have not received a substantive update. 
2. Respond to my past and future inquiries about the investigation in a reasonable time frame ( XXXX hours ). 
3. Eradicate the charges made to the credit line and any interest that has accrued. 
4. Remove the negative reporting to the credit bureaus regarding my credit score. As mentioned, the credit line was triggered by the fraud committed on my checking account ( which again, should 've been closed in XXXX ). 
5. Refund me the {$70.00} that I paid to stop the collection calls as recommended by US Bank. 
6. Certify that no accounts under my name continue to be open.
Wells Fargo is breaking the law in multiple ways as identified below. Wells Fargo is currently being sued for these issues and if this isn't resolved we will move to form a class action lawsuit. 

Violation of law # 1 - CA XXXX has been expanded as of XX/XX/2018 to forbid dual tracking on short sale requests. Wells Fargo verified this property was under short sale review and illegally continues to have a scheduled foreclosure sale date. Stating the foreclosure is suspended while having a posted sale date is illegal, duplicitous move who's intent is to violate non dual tracking law. 

Violation of law # 2 - ( acting in bad faith regarding a real estate transaction ) Wells Fargo countered buyer to XXXX on short sale request. Buyer countered Wells Fargo to XXXX and provided a bid of XXXX showing significant damage to property. A value dispute was requested and performed by Wells Fargo. At the end of the value dispute Wells Fargo is legally required to advise buyer of their final result after value dispute is completed to allow buyer to respond. In this instance Wells Fargo decided to stay at their counter of XXXX however closed the short sale request prior to telling buyer they were staying firm. They informed buyer AFTER they closed short sale request causing harm to buyer and seller. Wells Fargo is legally required to allow buyer to respond to final offer which they did not. Wells Fargo did this due to an illegal pending foreclosure pending sale date of XX/XX/18 so Wells Fargo could charge foreclosure fees and act as a foreclosure mill. 

Wells Fargo has significant ongoing issues with non compliance. They continue to have these issues and should have their license pulled in CA rather than just freeze their ability to grow. Breaking laws and not doing anything about is unacceptable.
I been receiving calls from   XXXX   XXXX   several times a day including at work when they know I can not be on the phone at work its just keeps on getting worse! Especially  XX/XX/XXXX  I received a call from  XXXX  She refused to tell me why she was calling until i told her my name and she was very rude. I told her I would pay the account if  XXXX  would delete it from my credit file she went on saying it will be on my credit until  XX/XX/XXXX so she went on and said lets pay it. I never received any notifications from  XXXX  in writing or any notifications on how to dispute this debt with them. I went to   XXXX    website located at https :   XXXX   I chat with a person and she told me i would have to call the rude people I let her know this company would attract more bees with honey than vinegar and my experience with this company has been alot of vinegar. She went on and open a complaint with there internal department but that all she can do. I did look at the accounts they claim I owe them online in there portal and the only information it has the name of the original creditor and the balance owed to the original creditor and the last payment the original creditor got and that 's it. There is no proof that they bought the loan from the original creditor. They might of only purchased the information such as name phone number last 4 of ssn and account info name and last payment but again there is n't proof of that either. I also want  XXXX  to stop calling me off of an automatic dial system such as " ROBO CALLS ''.
Mr. XXXX XXXX CAM Escalations Analyst you stated in your response to me that " 22 property inspections fees of {$14.00} each assessed by XXXX due to delinquent status of your mortgage loan between years XXXX and XXXX ''. However, a review of my mortgage history shows my mortgage payment was made for the months in that year. I can't see the justification of these excess illegal fees. My mortgage was not in foreclosure and not was it excessively delinquent. What are these ( 22 ) {$14.00} fees for?
A recent job loss cause me to fall behind on my mortgage, and my mortgage company offer me a loan modification to help but the payment from the modification was the same or if not more than what I was paying before my hardship. so I made the down payment but fell behind again. I contact the mortgage company and they sent me a package to modify again so I did it promptly and when I called to follow up they told me that my house is in foreclosure status already and the person who sent me a package via email and thru the mail sent the info by mistake. I thinking that I had hope to find out I was given out false information. Please vacate the premises in 30 days. I had the house since 2004.
I just applied for a XXXX capital one, Im always very careful to read all the conditions. With this card I took the same precautions especially with the annual charge. They are charging me at the beginning of the year when clearly in the terms and conditions it says that it is an annual charge. This is misleading and disrespectful to consumers.
When I bought the car from the dealer, they gave me {$2000.00} for a trade-in. And, I sign the title over to them. But, the terms of the loan were such that they gave me an interest rate as if I had put down {$0.00}. But, I did not put down {$0.00}, I put down {$2000.00} based on the trade-in. 

I only noticed this as I was going over the terms of the loan extremely carefully. But, by that time it was already signed.
I had paid my auto loan on time, and in full according to the terms and conditions of the loan. However, at the time of occurrence, this auto loan was being paid by a business, that I helped start, and managed. After sometime, I decided to part ways with my partner, and decided to leave the business. While I was doing my due diligence to transfer all of my business expenses, from my old business account, into my new business account, my old partner got upset, and decided to contact XXXX XXXX to notify about me not being authorized to pay this account from our business account, so XXXX without investigation and validations returned all of the payment that I made for the car. Soon thereafter I called them to complaint and to resolve this issue, but nothing was done. This forced me to take XXXX to court for not property investigating the payment, and notifying me since I was the the personal guarantee of this account. I have explained this to the CRAs, and I have also provided statements, validation my claim. I am currently being denied my XXXX mortgage license due to this issue. Without this license I wont be able to work, thus feed my family. Please help me.
For my account # XXXX, TD bank decided to close it for no reason, I am unsure why and the representatives I spoke to ; XXXX XXXX in security and then XXXX  XXXX ( who swore at me and called me a profane name ) refused to assist me. In addition, TD bank sent a check without my permission for {$19000.00}. I tried to stop payment and they refused to. Now I am in the hole financially.
In XXXX of 2015 I was sold a banking product by XXXX XXXX of Bank of America. The various products were attached to an incentive of {$1500.00} in account credits after the account was opened and conditions were satisfied. These credits were never received, and on XXXX XXXX I inquired and received no response. On XXXX XXXX I inquired again and was told it was overlooked and would be sent within 15-20 days. On XXXX XXXX I asked for an update and was told the check would be sent by the end of the month. To this day nothing has been received and the bank is engaging in a classic baiting scheme.
The account was open in 2014. I am not sure who open an account, but it is reported and I am having trouble opening any account. I call the back to see if I had an account with them, but they said they do not have any record of me having an account with them. It report the account was pay in full and it was close for account abuse. 
Also the address they have on file is the address my sister use to resign as a resident not me.
Greetings, I have a credit card for XXXX ( XXXX XXXX ).  approximately back in XXXX 07, I was charged for the authorized amount of {$950.00}. After I received the statement I called the credit card to inform about the unauthorized transaction. They proceed with the cancellation of the credit card and posted a temporary credit until doing the investigation. Few days later, they assessed the charged back on my account without giving me the proper results from the investigation where it shows that I was the person or consequently I signed an authorization for this parties to use my credit card. Therefore, I called and initiated another request. They apologize because the first request it was opened under a wrong category. They again closed my account and sent another credit card. To my surprise, the charge was posted back on my credit card. At this point and totally frustrated I called back to have them proof that as a cardmember I have made or authorized the purchase. They have neglected to provide any f the following : 1 ) The creditor don't have the receipt of the transaction signed by me where I take responsibilities for the amount. 

2 ) The creditor don't have any documents where I shown that i have signed any contracts with the legal office and where there is an amount due under my name for {$950.00} 3 ) The creditor is lacking of any documentation where I have authorized a third party to use my credit card with my signature stamped and date. 

In other words, the credit card company represented by Walmart -XXXX XXXX neglected from providing any documentation where I have made or authorized the use of my credit card to anyone for the amount of {$950.00}. 

This company has broken there values and standards where they claimed to protect the cardmembers from fraudulent or authorize charges. I am a clear example that they have no taken their promises seriously and they have ignored my multiple phone calls where I have begged to have a resolution and have them proceed my interests as they should have.
Something that caught my attention is how they handled the payments I made to my account with this new car XXXX XXXX, I took this car about 13 months ago, and before had a lease of a XXXX XXXX XXXX XXXX, which then fund a XXXX XXXX XXXX. Apparently the numbers here is not correct and I ask for a review of the read of the XXXX XXXX XXXX XXXX that I did, I want a review of how were those payments, the initial, charges in order to review the full contract and if the correct charges were applied to the other to make the trade IN Complaint to the sling by with the XXXX .. since I see not doing the correct reports or in time to have the exact numbers, likewise I want you to review the the XXXX XXXX XXXX that was then financed with honda finance to be sure that I was not charged fees and payments as it should be and that there was no misinformation to make me pay more money than normal, since there have been many problems with loans in this dealer and d and how things have been done in this place.

On the other hand I decided to change the XXXX XXXX on the XXXX  of this month of XXXX, and I noticed some adjustments that do not add up. The experian credit report says that the last update of the XXXX XXXX XXXX  payments was on XX/XX/2018 with a balance of {$40000.00}, and when the car changed for a XXXX  at the XXXX dealer it was requested the total payoff of the sling, which went for about XXXX   I think .. I do not understand how it is that this debt is there if the payments are made on the XXXX  of each month, since XXXX  has not correctly applied the total balance to be paid, He should be less.

We paid XXXX dollars and a few cents per month ... then if we paid on XX/XX/XXXX, XXXX  dollars and on the XXXX of this month of XXXX, another XXXX dollars, and XXXX due toXX/XX/XXXX, according to the last update of the sling in the credit report experian ... these last two payments have not been applied to the debt .. creating that with the total balance requested by bmw then in the trade in that we did, in the balance we ended up paid two payments more than normal, the account should currently running at about XXXX,, approximate with a few cents difference ... more or less.

We contacted honda financial, and they told me to visit the dealer. That was where I bought it. I went to this place today and I told them about this, they told me that this is already a XXXX XXXX, not with them. they ... that they only sell the car ... that they could give me back the gap insurance .. that they can do it but they do not know how much they would give me..they sent it to the insurance and they decide how much it is .. and that it would arrive by mail ..

Then here are so many problems ... that no one wants to face.
Portfolio Recoveries has been contacting me repeatedly on both my cell phone numbers as well as my home phone number daily, for over a year regarding an aged debt. After verifying the original date of delinquency from an older credit report, I then compared it to a more current XXXX and saw that the debt had been re-aged. I immediately disputed the validity of the debt with the credit bureaus who moved the account earlier in 2015. The calls had stopped temporarily, then started again and it began relentless. I even told the person the debt was aged and they continued to call. At XXXX point, I said that debt was no longer mine with the though process that since the debt was no longer collectible, that would be the correct tactic. To no avail, the calls will not stop.