WillisBack/dataset-financial-user-claim huggingface dataset:
I was sued by XXXX XXXX XXXX. They took a default judgment against me for an amount way more than the original amount of debt as well as I was NEVER served. Now they are trying to garnish my wages. I finally got a copy of the affidavit of service which is beyond false. It is fraudulent. The affidavit of service states I was served on Friday, XXXX XXXX, 2014 at XXXX XXXX at my home. I was at work almost 25 miles away. It also gives a description of me having XXXX hair. I do not have XXXX hair nor have I ever had XXXX hair as I am XXXX and XXXX eyed. I feel this judgment was improperly taken. I also feel that the process server, XXXX XXXX XXXX ( XXXX XXXX ) should be held accountable for signing an affidavit of service before a notary public which is false.I have already paid {$1000.00} of this debt which is MORE than the original amount.
I am requesting information about the fines against Wells Fargo. My father had a retirement account at Wells Fargo in XXXX, Ca. However when he retired and went to access one of his accounts he was told that his account had been closed and his funds had been transferred to a different type of account. As a result of the money being " moved '' he had no funds left to him. My father had not authorized any such access, transfer or new account. He filed a police report but that was the end of it. He was unable to recoup his money. 

In light of the new information, I would like to know if there is a group or organization he could meet with about his previous Wells Fargo accounts.
I received a letter from XXXX XXXX XXXX stating that they are collecting a debt on behalf of XXXX XXXX  who has the original debtor, XXXX XXXX with a balance of {$790.00} that is supposedly owed by myself. I have not had XXXX XXXX   since XX/XX/2009and the account I have now with XXXX XXXX is open and paid monthly. This company must be a scam. I do not have a debt from XX/XX/2009. This is past the statute of limitation as well. This company is harassing.
Harassment, mocking me, nagging, does not record my calls! Does I have tried to pay in the past and the amount is never good enough
GM FINANCIAL STILL CONTINUES TO REPORT THIS AND NOW SHOW AS PAID OFF AND ZERO BALANCE. 

I CLOSE ON A MORTGAGE ON XXXX/XXXX/2015 AND THIS MUST REFLECT PAID OFF WITH ZERO BALANCE AND ZERO MONTHLY PAYMENTS ON MY CREDIT BUREAU. 

I WAS NOTIFIED THIS WOULD BE DONE BY XXXX/XXXX/2015 AND IT IS NOT DONE!. 

I NEED THEM TO FOLLOW PROCEDURES AND TO EXPEDITE THIS TO THE CREDIT BUREAUS TO HAVE THEM ALL SHOW THAT MY LEASE IS PAID OFF AND HAS XXXX PAYMENTS LEFT AND HAS A XXXX BALANCE. 

XXXX
Ocwen survices my Mortgage Loan and they have the worse customer service I have ever seen. I have had my loan on automatic payment since I have had my loan and last year I a got a past due notice that I had not paid my payment. after many hours of trying to get someone & answers they finally discovered that they had just deleted the ACH from my loan. I finally got that resolved and then on my statement a {$5.00} charge showed up for something I did not request. that was never resolved. and now yester day I got a late notice for my payment and when I looked it up on their system this payment was credited to my account with them on XX/XX/2016! I also discovered that the amount I prepay them with that payment is held until the XXXX of the month and applied. that is just wrong! I have been in banking for 25 years and we apply any extra amount immediately. I have been calling for 2 days and have yet to get anyone. also if you just call the customer service number you get someone in XXXX, XXXX, or the XXXX and all you get is their standard responses. THIS IS NOT RIGHT! I have looked into refinancing just to get my loan away from them but why should I have to pay closing cost again because they ca n't or want handle business properly! I paid closing a few years ago to get it away from XXXX XXXX and this is not right!!!!!!!!!!! I had not choice about my loan being taken over by someone else and winding up with these horrible, incompetent people handling!!!!!
This company stated that I would not be charged anything if I turned the car in ... I advised them that I was having financial problems and wanted to know what I can do because I could not afford the payments any more ... .they said that I could turn the car in and it would be a voluntarily surrender. now they are saying that i owe them extra funds on the vehicle.I told them to knock on my door and I would give them the keys ... ..
I sent a validation of debt letter to the company on XXXX XXXX and they received it on XXXX XXXX. Since I sent that letter I have yet to receive any of the information that I request from them that shows i owe them a debt.. I called in and asked why I have not received anything with the information that I requested and they stated that it is still in dispute mode. According to the FCRA dispute are only suppose to last 30-45 days and i have yet to receive anything from them.
I have been on XXXX since XXXX. Every year the date by which I must renew my application for this payment program changes. It 's been moved from XXXX XXXX, XXXX, to XXXX XXXX, XXXX, to XXXX XXXX, XXXX. This last date is particularly alarming because in order to complete the reapplication requires information from a completed tax return. However, the application renewal date is PRIOR to the IRS tax return filing date! Further, the notice I received this year did not provide a " reapply by date, '' but rather stated, " You must complete your application within 10 days of XXXX XXXX. '' Well, is this business days, calendar days, what? Why would n't they simply provide a specific date? And, why is it not the SAME RENEWAL date each year? It seems that the constantly changing renewal date -- which by the way, bears no relation to the date of my original grant of XXXX in XXXX, thereby often requiring that I renew in LESS than 12 months -- is a blatant attempt to catch borrowers by surprise such that they miss the renewal date. By missing their renewal date, Navient may force these borrowers to enter expensive rehabilitation programs before being allowed back onto the XXXX program, plus they will miss they credit for payments made outside the XXXX program! Renewal should be required not more than 30 days before the end of any 12-month payment program, and should NEVER be permitted to be required PRIOR to the standard XXXX XXXX deadline for filing tax returns! ( I attended XXXX, graduating in XXXX. )
I received an offer from chase Bank for a reward of {$300.00} if I switch my checking account to them. Based on this offer I closed my account with my previous bank and opened an account with Chase Bank Bank on XX/XX/XXXX and also had my direct deposit made to this account within 60 days as part of the offer agreement. The other requirement was a minimum of {$50.00} in the account. I complied with all the requirements.

I suddenly received a letter from chase some in XX/XX/XXXX that my account was going to be closed on XX/XX/XXXX for undisclosed reasons. Note that I still had my direct deposit into this account and as at the time of closure there was a balance over {$50.00} in the account.

The account was closed unceremoniously and my balance is yet to be sent to me as should any reputable should.

This is clearly a switch and bait strategy by CHASE BANK. I therefore demand that I be compensated for the injury I have suffered from closing my previous account and then having this closed shortly after I had opened. it.

2. CHASE BANK and all other banks engaging in this unwholesome practice should be stopped from continuing this unfair strategy. If there was a problem with my account why was it opened at all? Everything was verified before it was opened by one XXXX XXXX
I closed my business ( XXXX XXXX ) bank and credit card account ( with Wells Fargo ) in XXXX 2016,  but recently I received an unsolicited XXXX XXXX credit card. I did not activate it and a few weeks ago I received a letter from Wells Fargo complaining I did not activate the credit card that I did not solicit for an account I closed in 2016!
XXXX installed my cable services on XXXX XXXX, 2015. Initially they were suppose to install service on an earlier date, however no one showed up for the installation even though I was expecting someone to arrive. Due to this initial issue, my installation fees were waived and rescheduled for XXXX XXXX, XXXX. After having XXXX service, I was not satisfied so I called to cancel within the 30 day quarentee. When I called on XXXX XXXX, 2015, a XXXX representative told me the system was down and they would make sure it was entered when the system was up and running. XXXX has record of this cancellation call and all of the above information. Someone however did not enter in my call to cancel until after the 30 days and this is where the charges are coming from. I returned all equipment and did everything I was suppose to do, however this is an ongoing issue for 2 years now. I have spoken with numerous representatives that have told me that I do not owe any money. I feel like I am being bullied by this company.
Between XX/XX/XXXX and XX/XX/XXXX a new account in collections was added to all three credit bureaus on my credit report. The collection agency is XXXX XXXX XXXX. The original creditor says its XXXX XXXX XXXX XXXX. 

This account was added to my credit report with NO written notification sent to my address. Please send an original contract with my signature if this account is valid.
I got a phone call last week, the caller claim they are Wells Fargo Fraud department and I have a suspicious check that may be withdraw from my checking account. I ask the caller about the check number and withdraw amount because I written a check to the termite service recently. The caller reject me the detail information and keep claim this is privacy information. Then I ask them to send me an email to verify the information but also got rejected and claim they do n't have my email or other contact information. In addition, they ask me the date that I open my checking account which trace back to decades ago. Then I refuse to continue the conversation because the way they talk are very suspicious and can not verify my back account number and etc. I check the phone that leave on my cell phone, it is not a phone line on Wells Fargo bank. I also found out on internet that someone report the phone number is a scammer. Tel XXXX, The message on internet reflect they have been call many people who does not have WF account or business with WF and unable to prove their identity. I also go over WF website and found no similar number from them. Few days later, the termite company told me that my check is rejected even I have good balance on my checking account. I call the WF, they claim that the penmanship is unusual and check number is not consequent. I check my signature and there is nothing wrong and I had written XXXX dollar check to the car dealer without any problem. I am a former service member that is why I really aware identity theft. The way that WF fraud department did not mention any detail about the check on phone, they just threaten me the thing may ruin my credit rather than help me or the people who did my service. They claim it is not proper because it is a check pay to the business so the signature on the back of the check looks suspicious but there is nothing wrong for a person sign on the check back during the regular deposit. WF fraud department did not know what they are doing, they do n't even know how to clear a case rather than mess up the bank transaction. There are multiple messages on internet from 2015 claimed they are calling people randomly whether the person has a Wells Fargo account or not. They also leave a message in my phone with a case number but did not link with the Wells Fargo 's contact information that published on WF website related to fraud cases. Overall I did not receive notice like text or email before my check is being suspended and rejected, this is very rude and improper. WF fraud department just intend to interfere any transaction they want rather than verify the transaction is real identity theft or just general business. It does not give a credible source to verify they are not phone phishing or scamming and that refers to the general Wells Fargo customer service at all.
Disclosure verification of debt : Right to dispute notice not received On XX/XX/XXXX I several new negative accounts were added to my credit report. The accounts are listed as " Trident Asset Management ''. I was never informed of these alleged debts and never received a notice of right to dispute. This is a violation of the Fair Credit Reporting Act 623 - 15 U.S.C. 1681s-2 ( section 7 of pg. 81 has been highlighted in the attached document for your review ). Based on these laws I should have been notified by XXXX/XXXX/XXXX however this never occurred and I suffered financial damages as result when applying for credit. 


Excerpt from attached FCRA are below : " ( 7 ) Negative Information ( A ) Notice to Consumer Required ( i ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. 
( ii ) Notice effective for subsequent submissions. After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer. 
( B ) Time of Notice ( i ) In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). '' See also 12 CFR Part 222, App B 70 Fed. Reg. 33281 ( XXXX/XXXX/XXXX )
Portfolio RC is reporting me as a chargeoff to the XXXX major bureaus. This was not a chargeoff, we entered into a settlement.
1. On our about XXXX XXXX, I have been asking DiTech to provide me with an account of my payments, since the beginning of my loan, NOT since they took it over. I have yet to receive a response. 
2. XXXX XXXX, I received a letter letting me know that I qualified for my PMI insurance to be cancelled. I called and was told that according to the letter the PMI was cancelled as of XXXX XXXX. The DiTech representative advised me that thirty days from me receiving this letter an audit would be performed and I would receive a refund for the PMI paid from XXXX XXXX to XXXX XXXX. I have yet to receive that audit or refund. I have called and faxed several times and only receive letters letting me know that they received the fax and will get back with me. 
3. On my XXXX XXXX, statement there was a fee titled : Other XXXX. When I called to check on it I spoke with about XXXX people that all told me a different story. Story 1. It was for the insurance. All of XXXX, they took out of my payment enough to pay for insurance in the amount of {$1200.00}. On my insurance renewal I found a new insurance company and my premium was {$940.00}. Obviously, I had overpaid on my insurance by over four hundred dollars. Story 2. It was for my taxes. Taxes do not go up that much in our town. They did not have the proof for that story. Story 3. I was behind on some sort of payment but they could not tell me what it was because their system did not show it. Story 4. The company in charge of distributing the Escrow payments had that information. They could NOT transfer me to them. I had to send a fax to Ditech and advise them of my dispute. NO REPLY to date. Story 5. System error and I would see the credit on my next bill. I have that now and NO CREDIT. 
4. My payment was about XXXX. Since XXXX XXXX, my bank has been making a payment of {$440.00} every two weeks to DiTech. Obviously, I have been over paying my mortgage some {$140.00} dollars each month. Which is support to go to my principle. I am NOT sure that is happening, because each and EVERY time I speak with someone they tell me a different story. When I have spoken to XXXX whom is suppose to be my account manager she has to get off the phone or simply hangs up on me. Therefore, I do not see how I could possibly be late on a payment. XXXX of my statement for XXXX XXXX reflect a LATE FEE of XXXX charged to me for being late XXXX XXXX. According to my calculations I should have about {$700.00} in overpayments. I do not see them being applied to my principal. 
I am desperate for some help. I do not know whom to turn to. DiTech will not respond to a question they simply send me letters letting me know that they are looking into it, however an explanation is NEVER provided. When I call, since I have been waiting for a response for over 5 months, they simply transfer me to different people, whom give me a different answer, or simply hang up on me. 
If you can not assist me would you kindly provide me some ideas as to whom could possibly look at this for me? I appreciate any help you can give me.
I applied for a refi in XXXX XXXX. Freedom Mortgage has been completely unorganized. They continually are switching my account to different employees ... Losing my documents.. Requesting and re-requesting documents. They have lost information. It has now come down to where they wo n't honor my locked in interest rate and want to charge me additional fees. Freedom has caused the delay, with hiring and firing and losing documents. 
No one is on the same page. It has been 6 months. One person will tell me that the Quick Claim Deed does not prove that I am not financially responsible for another home in my name.. While another will tell me different. I am completely frustrated and feel like they are pushing me around because the rate has changed and want to charge me more fees. I have all emails since XXXX XXXX and all documents that I have provided up til now XXXX XXXX. Is there something that can be done? If I drop the refi.. They will bill me for appraisal and I will lose out on rate???
This complaints involves an offer to receive XXXX Delta reward points if I applied for the American Express credit card and spent {$1000.00} in 3 months. 

XX/XX/XXXX I applied for this promotion. The offer was if I spent {$1000.00} within 3 months, I would receive XXXX on my sky miles account. On XX/XX/XXXX, I was going to plan a trip using the XXXX sky miles that I expected to be available on my account. When I looked, the promotional offer was not applied to my account. I contacted American Express this morning and spent 33 minutes with a gentleman, who began to look into this matter. After 33 minutes of holding and not hearing anything more I hung up. I called right back and got a lady who gave me a complaint number of XXXX. She indicated that my inquiry would take 6-8 weeks to investigate. 

Please look into this for me. Since I met the requirements, It seems that the sky miles reward should have been applied in a timely manner as advertised. 
Thank you, XXXX XXXX
Hello, I have dealt with this same issue with PayPal since I was credit the amount of {$15.00} back on XX/XX/17. Every billing cycle since, I keep getting charged {$15.00}. I have called every month to have PayPal handle this, and I have gotten all kinds of reasons why it was charged again ; that it will be handle and I will get the credit, and yet it 's has not been taken care of. I have also been charged a interest fee of {$2.00}, as I did not pay the {$15.00}, so now it showing I owe {$17.00} ( on top of what I actual owe ). I mention to PayPal that if this is not rectify by the next billing statement ( which I just received ), that I would be making a formal complaint with other agency, and here I am.
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I have attached several statements that I have added notes to, to keep track of, along with the most recent emails. I need for PayPal to credit the {$17.00} once and for all, as I am tired of the runaround I have been receiving. <P/>Thanks, XXXX
To give truck back first and they would n't accept it. Then I became  XXXX  so I was n't able to pay anything. Then my husband sign a paper for the insurance to pay they paid it all but {$340.00}. Those bills have been there ov er seven years it has reached statute of limitation for Georgia. I 've also heard about the double dip where they change numbers and go back or a letter for it to go another seven y ears. That 's not right to the consumer. And the fair debt collection practice Act.This has been open  XXXX   XXXX ,  2010 .
I made a reservation via credit card for a hotel stay the night of XX/XX/18. I arrived at the hotel about XXXX to be told " I'm not seeing a reservation ''. No big deal, technology errors happen. I simply re-booked a reservation while at the counter, paid via same credit card, signed my name, and stayed. I received my credit card bill the next month and noticed being charged {$91.00} ( price without dog ) for the initial reservation ( # 1 ) and also the stay I signed for about XXXX ( # 2 - price with dog ). I disputed this as a duplicate charge with Bank of America immediately. The dispute was denied and I received photo copies of the receipts with signatures on XX/XX/18, then I realized what happened. The hotel mistakenly checked in a stranger under my name about XXXX and receipt # 1 was signed for by stranger on my bill, all when I was hours away from the hotel. This makes sense about being told " no reservation '' ; stranger was already in my room. The signature from the receipt is absolutely not mine or even close and again, I was hours away. The signature from the bill around XXXX ( # 2 ) is easy to see it's mine. To make things worse, when I did arrive about XXXX, the clerk was a visible nervous mess. He misspelled my name on the correct receipt while physically holding my ID and credit card. I'm thinking he realized that there was a mistake was too embarrassed to admit it. Easier to just let me pay again instead. I was road-weary and failed to notice the misspelling at the time. 

The hotel has refused to budge and refund me. They intend to unjustifiably keep my money. 

Upon finally reaching a human to talk to at BOA on XX/XX/18, I was told that BOA isn't handwriting experts and that the charge stands as valid. BOA refuses to acknowledge the common sense of this false charge ... .hours apart. If my card is on file ( which is required to hold the reservation ) and the hotel makes a mistake, it's BOA 's good faith responsibility to back me. I can't control a hotel clerk making a mistake, intentionally/fraudulently or otherwise. I can only imagine the stress to my life if the dispute was in the thousands of dollars and BOA refuses to do their due diligence. 

The notes next to " XXXX '' on the scanned images are from the hotel representative. The handwritten " pet fee '' note and the odd page numbering. The others indicating time, total, dog fee, and signatures are mine.
Transition blocked me from getting report and credit score. It asks to verify auto loans and bank accounts I never had prior to giving access. There must be identiy theft of my account.
There is a delinquency on my report which is not mine and this needs to be corrected by Experian.
I got charged {$130.00} for " Credit Balance Refund '' on XXXX XXXX 2015, of which I have no idea why I got charge for as I did not make any purchse last a few months. At the same time, I was sent a check for {$130.00} issued by the same credit card issuer, Department Stores National Bank. I called the card issuer at XXXX and they told me that I have to send the check back to them so that they can wipe off the balance of {$130.00}. ( By doing this, I have to spend some postage fee addition to the time I have to waste. ) Please help. Thank you.