WillisBack/dataset-financial-user-claim huggingface dataset:
For the last FOUR years, I have been receiving multiple robo-calls to my home " attempting to collect a debt '' however it is not a debt that I personally owe. The person who had this phone number before me owed many debts, and I have managed to remove myself from the list for being contacted by all the other companies/agencies that have been calling, except for XXXX. I do n't even know the reason for the debt or the name of the company, but I have called them back at the number given many times. Most of the time I can not be connected to a real person when I call, but when I have been able to speak to a person, I have given my name and contact information and explained that the person who owes this debt is NOT me or anyone I know, and asked that they stop calling. It has been more than a month since the last time I called, and I am still receiving phone calls from this agency. Their phone number is XXXX. They do not give any other information in the automated message when they call.
To whom it may Concern : I am a US Veteran in a active Bankruptcy. In XXXX XXXX, I submitted a request for a payoff from my lender Wells Fargo Home Mortgage. Wells Fargo responded to my request and sent over the payoff for the mortgage. I noticed that it was interest in the amount of {$7000.00} plus. I called and asked why do I have this much interest if I am up to date on my bankruptcy payments and I am still making monthly payment on the mortgage loan? I was informed from a representative that I am past due on my mortgage since XXXX XXXX. I explained I have been paying more than required for my mortgage and need to know if the funds have been applied? The lady told me the funds have been applied and I just need to catch up on my mortgage. I explained I am confused if I am behind on my mortgage payment would n't Wells Fargo file a motion to dismiss? She said no it will just keep accurring late charges. I said that does not make sense. Then I was forward to an escalation department regarding the issue. I asked for a payment history which I was not able to receive as of this date. Senior Vice President sent me a letter regarding they are looking to resolve this issue by XXXX, XXXX. I called to find out what is the status and was advised by XXXX ( employee of Wells Fargo Escalation Team ) that they are looking to see when I started becoming late with the mortgage. I explained to XXXX that my lateness is not the issue but the interest on the payoff. I am confused with what have they done with my monthly payments I have been making in the amount of {$1900.00} per month. The reason for the payoff is to refinance my primary home and get a lower interest rate from 6.375 to 3.875. I want to pay my debts but need to understand why I am going through this dilemma. My Bankruptcy Attorney and he was not able to get an answer. I ended up in this situation of Bankruptcy because they did not complete my modification in a timely manner. I do not want to get to the end of my bankruptcy and still owe a past due balance. Can some explain where is my monthly payment going and why is the interest so high on the payoff. It seems like I am being cheated or robbed.
I have a CRA billing and payment problem with Chase Amazon Card # XXXX issued to me, XXXX XXXX. Chase notified XXXX only that I paid my bill " more than thirty days late in ithe XX/XX/XXXXbilling cycle. As a result, I had my perfect payment record destroyed and two creditors closed their credit accounts! Chase made a mistake. Under FCRA rules, Chase Card must mail me a statement each month so I know how much I owe. they did not mail me any statement. Chase claims to have sent electronic statements but, I did not receive any. Since last XX/XX/XXXX, I have been treated for XXXX and in the hospital. I do not see any computer statements at all. Under Federal and NYS consumer safety rules, I am not liable for any debt that is not mailed to me timely each month. However, I did pay the bill due during the XX/XX/XXXX ( attached ) statement cycle. I called up on XX/XX/XXXX and made a payment for {$210.00} by phone with Chase. However, Chase did not attempt to collect this check by phone. Chase just returned the check after making one attempt to collect it on XX/XX/XXXX. Federal and state consumer laws prohibit creditors from punishing consumers until they have collected the check at least twice. A check in NY is not considered NSF until it has been returned three times. Just to make sure I did make the payment, I called up and asked why the check was returned. Chase advised me to speak with a manager. I asked the manager on XXXX XXXX to accept a check for two payments for {$480.00} so the XXXX and XXXX cycles were paid. Please know the manager at Chase agreed to manually apply the {$210.00} due on XXXX XXXX and apply the balance due for XXXX XXXX cycle for {$270.00}. SO CHASE GOT THEIR MONEY AND THE STATEMENT PROVES THAT. The XXXX XXXX attached statement shows that I paid {$210.00} on XXXX XXXX. The XXXX XXXX attached statement shows that I paid {$500.00} which covered two months of payments. Please remove the creditor statement that states " more than 30 days late '' on the XXXX Credit Report for Chase Amazon Card # XXXX.
I filed a complaint with the CFPB on XX/XX/XXXX in regards to accounts on my credit report being needing to be validated. The only account that they stated they had was a XXXX XXXX XXXX XXXX account for {$360.00}. They stated that this account would be deleted from my credit report. You all are still reporting accounts for XXXX XXXX on my credit bureau and it's negatively impacting my score. *see attached reporting documents*.
I have contacted both Nation Star Mtg. and XXXX on numerous occasions to get this rectified. I closed on a previous house that I owned on XX/XX/XXXX, with Nation Star as the mortgage holder and XXXX holding the flood insurance. I contacted XXXX and sent them documentation to show that the loan was closed in XX/XX/XXXX, because I received documentation saying that a bill was due for the year XX/XX/XXXX - XX/XX/XXXX. I was told that Nation Star made the payment in XX/XX/XXXX for the year XX/XX/XXXX - XX/XX/XXXX, who has changed their name to Mr. Cooper. Nation Star,  was notified in advanced from the attorney of the property and myself about the closing of the home. XXXX, advised me to send the closing statement to them again, which I did. I still received statements, showing that a payment needed for XXXX - XX/XX/XXXX. I called XXXX main number and I was told that there was not anything they could do, but the individual agent. I then called Nation Star and they said that once payment is made it is out of their hands. I am asking for help to have this rectified.
In XX/XX/2005 I went looking for a remodification of my loan I was told I could not do this because I was current and was advised the only way to remod was stop paying my mortgage I was on an interest only loan afrer I stopped paying my interest only payments and was granted a remodification my principal was increased from {$600.00} XXXX to {$680.00} XXXX  without me having any knowledge of this happening I feel this is a very unfair practice and considered predatory lending practices for the last 13 years I have been paying interest on top of interest in essence paying double interest. this doesn't seem fair .as I was not informed
I have received repeated calls from multiple phone numbers from a company representing themselves as dynamic recovery solutions. they always call at obscure times and I get a call every day of the week and its always from a different number and they call my cell phone. they never state my name in the message which makes it very suspicious.
After the transfer of my mortgage loan from XXXX XXXX to Selene Finance. A payment was not credited to my account. Furthermore, the loan, at the time of transfer was in payment 4 of a trial loan mod. All of the payments had been made and cashed early : between 8 and 26 days early. Instead of receiving permanent modification documents we received notice of the transfer of the loan to Selene Finance. We continued to make payments under the terms of the modification. Selene offered a modification but with terms substantially different than those in the program we were in. The terms are very unfavorable to us with the interest bearing amount they want being {$170000.00} on a principal balance of {$100000.00} and a house valued at {$110000.00}. They now have rescinded even that offer and have asked for the total amount due because they say that payments are late. In fact all 9 payments have been early - an average of 22 days. Selene Finance has not credited one of the payments - that for XXXX, and therefore they are saying XXXX, XXXX, XXXX and XXXX were " late. They returned the XXXX payment which was made XXXX XXXX and returned XXXX XXXX. They have rejected the payment because they will not accept a partial payment and want the entire delinquency. After the transfer we contacted Selene several times using for a permanent modification under the terms we were offered. They have this trial modification documentation. I know this because they sent it along with other paperwork to us. We have asked them, in writing, for an accounting several times of the Attorneys fees and corporate advances totalling over {$10000.00} together. To date we have not received and answer.
In  XXXX    XXXX  , I tendered payment-in-full as per UCC article  XXXX , to the mortgage servicer via  USPS certifi ed mail with return receipt green card. The valid negotiable instrument was dishonored by refusal, nonperformance, and not returned to me. In accordance with UCC  3-603 ( b   ) there was discharge. After numerous communications and legal Qualified Written Request, I was told that my mortgage was sold. The entity converted the mortgage into a  XXXX  to a company that is in conservatorship by the  US  Government.   In the telephone conversation with th e General Counsel  of the ( " originator '' ) servicer, I stated my claim to become the holder-due-course as per  Uniform Commercial Code.   The conversation ended stated that Non-full disclosure is considered  Fraud  in contract law, with make any contract void and a nullity at law.   The company attempted a wrongful foreclose on my mortgage on  XXXX    XXXX  , but the sale was cancelled. The advertised Sale stated that  XXXX  Gateway Mortgage Group  was the foreclosing party. During the litigation process for libe l ( slander )   XXXX  replied via answer to complaint, that they had nothing to do with to foreclosure trustee sale.  XXXX  inactivated my account. There is a fraudulent assignment recorded at my  local county r ecorders office that was sign by a  XXXX   XXXX ,   VP and Secretary   of  XXXX . The same Looking signature of a  XXXX   XXXX   XXXX  of Gateway Mortgage Group , LLC was the in the record from the previous cancellation and satisfaction of my first mortgage loan with the lender. Both signatures where notarized by employees of Gateway Mortgage Group , LLC.   This is constructive fraud and an attempt to defraud and unwitting accommodation party ( Borrower ). No beneficial interest is held by the loan servicing. Therefore, it does not have the RIGTHS of sale on a contract.
I deposited a check on XX/XX/XXXX. The bank placed a hold on it without notifying me by email or telephone. They subsequently bounced 8 transactions based on that hold. The hold was ostensibly because they " received notice from the paying bank that the check may be dishonored. '' They refuse to provide proof of such notice and have used this excuse in the past on other large deposits to incur fees for uncollected and dishonored funds.
I have 5 hard inquiries on my credit report that are hurting my credit that I did not authorize. XXXX on XXXX, then XXXX, XXXX, XXXX, and XXXX all in XXXX. From credit plus ... I did not authorize any of these pulls and I want them removed from my report.
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against JEFFERSON CAPITAL
In XX/XX/XXXX, XXXX XXXX started garnishing my checks on the behalf of Navient. In addition to the garnishment I also had to voluntarily pay {$5.00} per month, for 5 months to satisfy the program. The final payment was received on XX/XX/XXXX but they continued to garnish my check up until XX/XX/XXXX. I have been in contact with this office since XX/XX/XXXX, both XXXX XXXX  and Navient, attempting to remedy the situation. In XX/XX/XXXXI received two reimbursement checks for that months overages, while still being garnished. Per the supervisor I spoke with today, I am still owed {$590.00}. I've been told the checks would be sent to me after 30 days of the garnishment but that has not happened either. I was told the remaining checks would be sent to my employer, unlike the others that were mailed directly to me because my account has been transferred to a 3rd company known as XXXX XXXX XXXX   whom I have no dealings with at all, no contract whatsoever. The only reason my check was not garnished this week is because I'm working for a different company now but I'm being told the checks will be sent to my former employer instead of being mailed to my home like the previous ones were. I would like some assistance with this because I have been dealing with this for 3 months now only to be continuous told " we understand '' but nothing is being done to return my funds. This is theft and I'd like some assistance in remedying the situation. Thanks.
Public records on credit reports are invaild and all three credit bureaus refuse to remove them ; they have not furnished me the source of where this invalid information is coming from and its all wrong the date filed, dismissed, amounts, reference numbers are all wrong ; I have request validation from court houses and was advised they do not valid public records for consumers or credit bureaus ; I have disputed this information and have not been processed correctly Child support should not be on reports at all and the bankruptcy isn't valid failure to remove will result in civil case such as Civil Case # : XXXX XXXX XXXX v. Equifax and child support violates Public Law 805-C3. need bankruptcy and all 3 child support accounts removed.
I 've repeatedly requested that   XXXX   and Transunion correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However,   XXXX   still reflects and inaccurate collection status in  XXXX  of  XXXX , in  accurate written off $ amount/status, and an inaccurate " Date Opened ''. Transunion still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by  XXXX  and Transunion and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.
I received an alert from my credit monitoring service informing me that I have two accounts in collections on my credit report from two different payday loan agencies,. XXXX XXXX and XXXX XXXX XXXX. I contacted each of them and they both stated that these accounts were opened in 2013. Until know, I have not heard from them via mail, phone nor email. I have not opened either of these accounts but I do recall closing a bank account after discovering fraud after a move and losing a checkbook. I have filed a police report in my city and reported this incident to my bank,, I don't like the fact that I have not heard from these agencies to dispute but it appears on my credit report at a critical time as I am attempting to buy a house and it seemingly came out of nowhere. My credit score has dropped almost 70 points due to this.
Recieved several calls from  XXXX   XXXX  regarding a file number and account in my husband 's name. They called him, me, and his ex-wife. I called them back and spoke with a representative named  XXXX   XXXX  at  XXXX . He told me that my husband had and  XXXX  mastercard that was opened in  XX/XX/XXXX  in  XXXX  County that he was active with and making payments on until  XXXX  of  XXXX  but then had an outstanding balance left of  XXXX . He gave me his social security number and his former addresses, including  one that w ould be accurate at that time. Figuring it was a legitimate debt I agreed to pay it, he emailed me a contract and I signed that electronically and then gave him information to make the payment. I then contacted my husband to follow up. He never had a credit card at that time, it was not his debt. He also checked his credit report to verify that this charge was not on it. I called  XXXX  back and told him that it was not a valid debt and that they were not allowed to collect those funds. He was able to list everything on my husbands credit report and claimed that that the account he told me about was the same as the account listed there, however I paid that account in full a couple months ago, and the amounts and dates did not match up. He told me that i was committing a breach of contract, that he has me on a recorded line agreeing to pay the amount, and that they would file ligation against us to collect the amount and more because of that breach of contract. He back pedaled and tried to claim that if i provided him with the paid in full information they would just clear the debt, when i told him that the account on the report is not the one he is claiming to collect on he said that there is just a discrepancy in the amount, he also said that they pulled the charge off the credit report to pursue it. So not only was there just a discrepancy in the amount, but it was not really even there. He called me idiotic, rude and argumentative, and consistently contradicted himself. I explained that we would not be paying that amount, contacted my back to ensure that no charge would be approved by them and informed him that I would be reporting them for fraud.
I sent a debt validation letter to Erc in regards to a debt that appears on my credit report. i have no knowledge of this debt and i do not owe, its been 40 days since they received my letter & I have not received a response in reguards to my validation request. I want this debt deleted from my credit reports as a final resolution due to noncompliance
PNC BANK HAS STOPPED SENDING ME STATEMENTS EFFECTIVE XX/XX/2018. I DID FILE BANKRUPTCY 7 YEARS AGO BUT NOT ON THEM. SPOKE TO SOMEONE FINALLY YESTERDAY THAT SAID THEY INSTALLED NEW SOFTWARE AND ANYONE IN BANKRUPTCY WILL NOT RECEIVE A STATEMENT. I TOLD THEM I NEVER FILED ON THEM. PNC SAID IT IS NOT LEGAL TO REQUEST PAYMENT ON A DEBIT ... ..ETC. I SAID BUT FOR 7 YEARS THE OLD SOFTWARE SENT ME STATEMENTS???? U TOOK MY MOMEY??? HE HAD NOTHING MORE TO SAY.
I have called the bank multiple times over the last six months about the foreclosure. i can say it is nearly impossible to speak to a human being and after the answer i am transferred to three more departments. I've tried to work a payment option with the bank ( Wells Fargo ) but they told me i have to pay the whole back payment in full f i wanted to keep the house. I am trying to find out  information about the foreclosure. There is nothing posted on any website. I want to keep my house.I feel like I'm not getting services from the bank that I should be receiving.
First Bankcard appears to be out of compliance with the law. I 've tried discussing this with them on multiple occasions, however they do not want to hear it. XXXX examples : They do not disclose promotional interest rate expiration information on periodic statements, as required by law. I went so far as to send them this link, XXXXconsumerfinance.govXXXX however they do not care. They honestly seem incompetent and like they do not even understand what I am talking about. 

Furthermore, they do not apply anything about the minimum payment to the highest interest rate as required by law. I have paid well over the minimum payment amount on numerous occasions, however they always apply it to my promotional interest rate. They do not apply it to my purchases being assessed higher interest rates. I 've wrote them and e-mailed them about this, even specifically asking that my payment be applied to my purchase balances, and they refuse to do it. 

They seem to feel like they are exempt from the law. They honestly do n't seem to even understand the law. I told them I 'd be contacting the CFPB with this, and they are so arrogant they just kept saying " We comply with the law. '' and refused to look at the specific provisions of the law that they are not complying with. Please help. They need a wake-up call. I 'm sure it is not just me that they are pulling this against.
I received a phone call from XXXX today XX/XX/2018 @ XXXX. 
I do not know what the call was about except an attempt to collect a debt and they left a robocall voicemail on my voicemail message system. 
I don't owe anyone any money. 
I want all these calls to stop asap!
Several of their employees has violated the Fair Debt Collection Practices Act and are extremely rude in behavior Specifically, the employee disclosed information concerning my wife 's (  XXXX   XXXX   XXXX  debt to me   XXXX   XXXX   on   XXXX   XXXX   XXXX    . My wife faxed in authorization to speak and represent on her behalf on  XXXX / XXXX /  XXXX   and I placed an outbound call at   XXXX    XXXX    XXXX   XXXX   at which time the representative of central Financial Control spoke to me concerning all accounts sent to their office for  XXXX  party debt collection. There was a settlement discussed on the accounts in question. Disclosing amount of debt, services provided and dates, as well as agreeing to settlement terms. I inquired about credit bureau deletion and was informed that deletion of accounts from credit bureaus is falsifying credit reports which are an inaccurate statement and misleading, further violating the FDCPA.   I returned the call to  XXXX  on  X/XX/XX    and was informed that the authorization letter was not valid per guidelines, therefore violating the FDCPA in the previous conversation. Further to this point the agent  XXXX  was extremely rude and intimidating further violating FDCPA guidelines. It was stated on a recorded line by your representative  XXXX  that your company is in clear violation of the FDCPA statues. I called again on   XXXX      XXXX  and spoke to  XXXX   XXXX  who transferred me to a  XXXX ,  XXXX  and was extremely rude condascedning and said the phrase that " I do not talk to him like that '' also stated " that I will be transferred to a voicemail and " is that what I want '' when I clearly asked for a live supervisor, then he just transferred me with out saying anything. He transferred me to a  XXXX   XXXX  who I left a message with and still I have not received a call back from this company. I then called back on the same day at  XXXX  and spoke to  XXXX  who transferred me to a supervisor  XXXX  and I repeated what the agent said was clearly their internal violations. He did not resolve the issue and then said he could n't discuss because still their was not an authorization again, even though  XXXX  faxed it, he was also rude and condescending. This company has several violations against them filed by numerous consumers as well as an F rating with the   XXXX  , how are they still allowed to operate. They are rude and do not know collection law.