WillisBack/dataset-financial-user-claim huggingface dataset:
Due to an error in my bank account, a scheduled mortgage payment could n't be processed and was returned to the mortgage company, Flagstar Bank. Unfortunately the payment was scheduled while I had some funds coming in and some going out. This was the first time this happened. I have since received a letter from the bank informing me that I can no longer make online payments, and now funds need to be received in certified funds. The problem is, my mortgage payment is so high that when I go to either purchase a money order or send money via XXXX XXXX it is flagged as suspicious activity or exceeds the amount I 'm allowed to send. It seems incredibly unfair that, not only do I get slammed with a Non Sufficient Funds fee, but then the easiest way to pay the mortgage is taken away. I spoke with Flagstar Bank and they refuse to restore online payment, despite my explanation of how this is complicating sending my payment in.
Chase has been calling in reference to a Debit Card. I opened the Account in the XXXX XXXX. There was an error on the account. The Bank told me not to worry about the account. The account was still open. Now, I am being harassed for {$84.00}. Please have the Bank explain what happened. I did not put the {$84.00} in my account. I spoke with the bank about it and they told me not worry about it. So, I am just wondering why they are calling me stating that the account has been charged off. Can you help me?
In XX/XX/2018 I made an additional payment of {$1100.00} to Chase in order to have the PMI removed from my account. I was told that the payments are made in the rears so I will still have to pay an extra {$81.00} in XX/XX/XXXX even though I am under the 78 % loan to value ratio. Then in XX/XX/XXXX they still took the {$81.00} out of my account but didn't label it - {$81.00} PMI. I called to find out why and was told it was a mistake and that they would refund my money, this was the beginning of XX/XX/XXXX. I waited about 10 days with no results so I called them back again. This time the guy said he would send it to the escalations department and It should be resolved in about a week. After another 10 days and nothing from the bank I called again and basically got the same runaround. Its now XX/XX/XXXX and I just called Chase and asked to speak to a manager about the problem. When the manager got on the phone and I explained the situation and asked why it was taking so long to give me back my money she told me " Its your fault, your the one that set up the payments ''. I told her I have a letter from chase telling me that XX/XX/XXXX would be the last month that I was charged {$830.00} and in XX/XX/XXXX my payment would be {$750.00}. Instead they charged me {$840.00}!!! I explained to this lady that with their auto pay feature, It withdraws the amount that they charge me. Not any number that I put in, so how is this my fault?? I told her I was going to report them and she snickered and said report us to who? Apparently Chase thinks they are above the law and can do whatever they want, whenever they want. I will NEVER open another loan or any other accounts with them. They have the worst customer service I have ever dealt with.
To Consumer Financial Protection Bureau : XXXX/Rash Curtis & Associates, a collection agency, collected more than the amount that was billed/posted with the credit bureaus and defaulted on their promise to me that they would delete their collection postings ( the original collection and hard inquiry ) on my credit reports. On top of these, they posted an extra hard inquiry for collection purpose for the same collection item that I paid on the same day. According XXXX, hard inquiries impact my credit score negatively and can be seemed by all other creditors. I believe what XXXX/Rash Curtis & Associates did were unfair and unlawful. Please help me. 

Below are the background details : 1 ) I owed XXXX {$1800.00} back in XX/XX/XXXX. At the time of my hospital visit, I was studying for a XXXX exam and was unemployed. I moved four times since then. The hospital forwarded my unpaid balance to XXXX/Rash Curtis & Associates for collection. 
2 ) On XX/XX/XXXX, through XXXX, a credit bureau, I realized I had a twenty-three hundred some dollars collection item on my credit report posted by XXXX/Rash Curtis & Associates on XX/XX/XXXX. 
3 ) On XX/XX/XXXX, I called the collection agency and told them I wanted to pay the collection amount. The man who took my call told me the balance due was {$2500.00}. I questioned him about the increased amount. He said with the extra amount, he would delete the collection from my credit report right away. I paid the collection agency {$2500.00}. 
4 ) On XX/XX/XXXX, through XXXX, I saw a collection notice by XXXX/Rash Curtis & Associates for the same collection item showing up in my credit report again. I called them the next day. They said it usually would take 60 to 90 days to have a collection notice removed, and if I would want the process to be expertized, I would have to pay them more. I was very upset. I had already paid them almost XXXX dollars more than what they billed me for, through the credit bureaus. 
5 ) I filed a dispute for the collection notice with XXXX on XX/XX/XXXX. 
6 ) On XX/XX/XXXX, I received a report from XXXX which shows all my credit histories and realized that they not only did n't delete the original hard inquiry for collection on XX/XX/XXXX, they posted another hard inquiry for collection on XX/XX/XXXX on the same day that I paid them. 
7 ) On XX/XX/XXXX, I called XXXX and learned that only XXXX/Rash Curtis & Associates had the ability to delete/remove those hard inquiries. 

Sincerely, XXXX
I have a Perkins loan which is currently held by the Department of Education, and serviced by ECSI, a division of Heartland Payment Systems. I am a Massachusetts resident. 

ECSI has failed to register with the Commonwealth of Massachusetts as a 3rd-party loan servicer, as required by 209 CMR 18.01, despite acting as one as defined by 209 CMR 18.02. According to 209 CMR 18.22, this constitutes an unfair and deceptive trade act or practice, and is a violation of M.G.L. c. 93A, 2 and is subject to the penalties contained in M.G.L. c. 93A. 

Despite having brought this to the attention of ECSI quite some time ago, they have taken no remedial action, and continue to demand that I pay them, even though it would be illegal for them to accept such a payment. 

I have already filed complaints about ECSI and their unlawful business model with the Attorney General of Massachusetts, and the Student Loan Ombudsman. 

Before this note was assigned to the Department of Education, it was held by XXXX University, who also had it serviced by ECSI. After explaining to their counsel that ECSI was violating the law in their name, the university made the decision to assign the note to the Department of Education, rather than have it serviced by a company that operates within the bounds of the law.
I was working with XXXX XXXX XXXX on a XXXX student loan debt. I asked if they would not contact me until after XXXX an calls still came at anytime almost everyday leaving a voicemail everyday. I spoke with a manager today day who said if I dont work worth them I will have a problem which is very threatening.
My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers
I defaulted on this loan almost two years ago. I called to notify them I would be defaulting. When they called I attempted to make arrangements that I could afford, they said the amount was unacceptable. I repaid the loan amount, not the interest. 
Today a company, ARA, called my mother and told her I 'd used her information to get a loan and fraud charges were being brought against me in XXXX County tomorrow. 
I called them and said I needed info sent in writing. 
Then my mom notified me the same company, ARA, called her stepson and told him fraud charges were being filed against me in XXXX County. 
I called ARA again and asked that they not contact anyone else because they have by mailing address and phone number.
I bought a mattress from XXXX XXXX XXXX in XXXX XXXX, Florida. I financed {$1100.00} with Acima Credit. I paid the balance before the 90 day deadline. I had a credit report last week that says I owe {$1600.00} to Acima. I called Acima yesterday and they said I do not owe anything. I never owed {$1600.00} to Acima. This is fraud.
Allied Collection services have an account listed on my credit reports from a company called " XXXX XXXX XXXX '' I have never done business with a company by that name. I called them to validate the debt, they could not, I sent them a 609 letter demanding documentation and validation of the debt, they did n't respond. I sent a letter to the credit bureaus, asking them to validate the debt - they responded saying " verified '' but were unable to provide a contract, account number, or anything that I signed with a company by that name. 
I then filed a complaint with the BBB, asking them to make Allied provide documentation of said debt - they asked for my personal information on a form, I filled it out and sent it back, and since then, have not responded. I have spoken via email with BBB several times, and they just keep issuing the company 3 day extensions to respond. But as of yet, they have not.IT HAS BEEN OVER A MONTH! 
They are breaking the law at this point. They are required to provide validation of the debt if they are collecting it. I truly have no idea who this company " XXXX XXXX '' is, and need this removed from my credit asap.
Account : XXXX Contacted Wells Fargo to ask them to please stop calling the referrals and family members provided when we applied for loan, we were on the understanding that it was to verify our data. They are now calling relatives and family for my wife and myself harassing them and providing personal information on our loan. We understand that we are a month behind. When I called XXXX this morning, the rep would not provide name nor guidance to make our account current. The rep was trying to belittle me by stating that I should be embarrassed that I 'm behind with no empathy or sympathy for our family current situation. The rep would talk over me and not allow me to explain my case. 
I 'm very disappointed as this is my second request to the CFPB.
I previously filed a complaint against McCullough Payne and Haan, who obtained a default judgment against me per I was not notified of the court date. I spoke to the clerk of court, who confirmed the hearing information was mailed to an old address. This company has began garnishing my wages, and claimed in my previous complaint that they were waiting for the judge 's decision regarding my motion to dismiss, and that they were closing my complaint in their office. This is not true because I spoke with Judge XXXX XXXX in XXXX County on XXXX XXXX, 2015 who rendered the default judgment, and she informed me that she was unaware that I opposed the judgment until I left a message with her office on XXXX XXXX 2015. I have called the lawfirm and was informed that I would need to speak with XXXX XXXX. I asked her to confirm the account number for the account in question, and she stated that it is XXXX XXXX XXXX XXXX, and that it is for an XXXX credit card. I informed her that this does not match any account that belonged to me, and informed her that I had proof, and faxed it to her. I asked her to call me to confirm receipt. I never heard from her, and she would not return my calls or voice-mail. I escalated the matter to XXXX XXXX, the collection manager, and my calls nor messages have been returned. I faxed my documentation to him as well, which was a copy of my credit report dated XXXX/XXXX/2015, which shows that the account numbers are not the same. My credit report shows a XXXX balance, and the account was closed per this credit card company was shut down by the FTC, and was forced to close all consumer accounts. Furthermore, this lawfirm improperly issued the wage garnishment. They were supposed to send the notification to me within 3 days that they notified my employer, via certified mail, which did not happen.
i dont know who is capio partners llc is or have ever done business with them .... i do not know who they are and how they got my info
In 2004 I created a deposit account with Wells Fargo at a Colorado XXXX location. The account representative offered a service for an additional overdraft protection credit card with the opening of my account. I partially competed the form and decided to forgo the overdraft protection credit card and asked the form to be destroyed. After I closed my deposit account with the bank I was notified that I had unsettled account balances on a credit card I never authorized. After much back and forth with various representatives the bank had agreed to drop the card and charges which were never authorized. The issue remained as a negative account on my credit bureau for many years. After hearing the unfortunate news that this has happened to others, I wanted to share my experience that predated the recent news article regarding the creation of false accounts and I highly recommend a more thorough investigation be performed as the issue has a longer history than what is currently known.
We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.
Company : American Express Card : SPG Problem : Did n't get my welcome bonus for nearly 3 months. Tried to contact the company in earlyXX/XX/XXXX, and they said my issue would be resolved in 6-8 weeks. I contacted the company again on XX/XX/XXXX. They said again that they would fix my problem in 6-8 weeks. 
Today ( XX/XX/XXXX ) I contacted them again, they still tried to prolong the process.
I applied for a Delta American Express card in XX/XX/2017 with an offer of a XXXX bonus point offer if I meet a minimum spend requirement within three months. I met the minimum spend requirement within three months. I had the account open for another three months after that. I never received the bonus. I followed up with American Express multiple times and they told me they will have to investigate the case. After six months of having the card I did not want the card anymore and closed it. Finally once I closed the card they told me the investigation has closed but they don't have a place to send the bonus due to my account being closed. They have my Delta account and can send it there as they always do but they told me I would need that card to be open.
First Federal Control shows up on my XXXX credit report several times as my owing them funds that was discharged in a chapter XXXX bankruptcy. 
Please see that they also show up as unknown just to report to the credit bureau, XXXX, to make my life horrible. 

Section 609 of the CFRA states that the only debts that should be reporting on my credit report are those that have been accurately verified. 

They should not be showing up at all as this debt was dismissed via a chapter XXXX bankruptcy back in XX/XX/2015. 

Also these are unverified debts which have also exceeded the statutes of limitations for the state of Ohio.
I filed a complaint on XXXX number XXXX I since received the following letter from BOA I want to know how I " benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? BOA rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter.
EXPERIAN, On XX/XX/XXXX I received a notice from Experian that my FICO had changed. I found this puzzling since the only negative items were the same from XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. My score was XXXX as reported by XXXX XXXX on XX/XX/XXXX. OnXX/XX/XXXX It was noted that my score had dropped to XXXX and dropped by 16 points by Experian. On XX/XX/XXXX it was noted that my score had dropped by 19 points and was XXXX by Experian. It may be noted that it is recommended that I purchase some of their services, fraud and credit reporting. I found this strange and believe that this is extortion to purchase their services. Let me be perfectly clear that nothing has changed to that would impact my score negatively. On XX/XX/XXXX I will face XXXX XXXX XXXX XXXX in court for submitting improper information on my credit report. This will be followed by XXXX XXXX XXXX.
I purchased a vehicle from the XXXX drive time dealership and was cheated out of my money. I 've have had this vehicle for two years and was never provided a title. I have been basically bad mouth, insulted and mistreated by their customer relations department. I have now file a complaint with the state attorney general 's office as well as the department of motor vehicles and the XXXX and the CFPB. Your customer relations department never offered me an option and is now trying to settle under the table even though I 've requested an arbitrator to have this placed on record. After doing a vin check I found that the title has a lien against it. I have gotten multiple tickets and fines for failure to register the vehicle and was told by the state highway patrol to stop driving the car. Your dealership sold me a car even though my license was revoked and expired, took my down payment and had the XXXX fraudulently sign off on the deal. Drivetime never offered to put me in another vehicle, or fix the situation and in fact started to become rude as if I was bothering them. It was n't until I spoke with an Attorney, filed a claim with the state Attorney general 's office, the XXXX, CFPB and the department of motor vehicles thAt your customer relations department contacted me with a bogus offer. The offer was to return the vehicle and they will erase any dealings by removing the tradelines off my credit and any record of the sale. I asked about refunding my down payment and they basically started bad mouthing me as if I was ungrateful. Your company is trying to steal my money by taking the car back, erasing my good payment history, keeping my down payment and basically putting me on the street in a worst situation than I was in before dealing with them. I am asking you in good faith to refund my down payment and I will not pursue any other avenues. This has also been communicated to the local media as well.
XXXX XXXX aggressive debt collection became deceptive and dishonest. Resulting in incorrect negative credit report. 
XXXX XXXX deceptive collection activities allowed for a specified number of days to pay outstanding balance before sending the account to collections as per their billing statements. 
XXXX did not honor their disclosures and pushed my account into collections, resulting in the incorrect information reported on my credit report. I requested my service to be disconnected for the reason of going with their competitor. XXXX never closed my account and allowed it to run into disconnection for non payment. Once XXXX was advised they were in error, they continued to treat my account as a non payment, and the amounts were not correct, and have not been given a clear amount due as of yet. XXXX did send an adjustment amount, which I could not verify as valid. XXXX never advised me the account was going to collections, XXXX sent XXXX letters for demand of payment, both were for the wrong amount. 
Clear violation of the FDCPA 15 USC 1692e at the least. 
The closing bill was never sent, the account was never corrected from disconnection for non payment to consumer request to close and a accurate closing bill sent. Instead XXXX adjusts the erroneous inflated amount due to a lower amount and allows XXXX days to pay, without notice they send it to collection and way before the XXXX days were up as per their billing statement. XXXX was paid within XXXX days of receipt of the adjusted bill, which still is a questionable amount.
Good Afternoon, On XX/XX/XXXX I spoke to an Equifax representative via phone and explained that there were several unrecognizable inquiries on my credit report and needed to discuss getting them removed. The representative was very rude and refused to help. <P/>On XX/XX/XXXX I decided to fax a letter to Equifax in regards to inquires on my credit report that are unrecognizable. Equifax sent a generic letter stating the inquires were " factual record of file access '' with not intent to assist me with the related inquiries below : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I understand that credit bureaus are powerful corporations, but it is unfair for me as a consumer to suffer from a result of their negligence. I 'm interested in purchasing my first home in a shirt period of time, and I 'm pleading for your help to clear up this matter.
I have previously disputed the entry of a tax lien # XXXX from the XXXX XXXX XXXX XXXX Court and have received a confusing response to the investigation of case # XXXX on XXXX XXXX XX/XX/2015. I am again asking that the provided documents be looked at again and that the lien record be removed due to the filing of a null and void of the judgment issued by the Ohio XXXX XXXX XXXX and XXXX XXXX courts. This decision vacating the judgment was due to the lien being filed in error, as indicated in several sources, and public record. I recently tried again to have this corrected by Equifax and it is currently pending under case # XXXX. Both XXXX and XXXX have removed this entry, and I feel that Equifax should also do this and work towards improving their response to these issues as there are a plethora of complaints on the internet about this same issue.