WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX/XXXX/XXXX Wells Fargo notified us via mail they had sold our Reverse Mortgage to XXXX XXXX of XXXX, TX effective XXXX/XXXX/XXXX. We are not in default and have faithfully paid all taxes, insurance and upkeep to the property. We have ask how to go about making lump sum payments to reduce our loan but never received an answer. We now find XXXX XXXX is a substandard company and has a lawsuit filed against it by XXXX XXXX thru XXXX. The XXXX of Texas list them as " F '' and advises XXXX XXXX not to deal with them. As a result of Wells Fargo 's actions we are now forced to deal with a company who has a history of preying upon XXXX XXXX
MCM- company you sued is non compliant in the court proceedings. Last XXXX MC was contacted via XXXX third party to rectify my credit- and they decided to harass me about it. When I set them straight and a another DV letter- legal balked and tried to place dodgeball with me- knowning they got sued from you potentially months earlier. They have not removed the bad debt, they continue to post it as resold from XXXX- which also violates people in the same mannerisms as MCM. MCM will not remove the credit slander which has been disputed from day one from both companies as soon as collections began. The debt is not accurate and was bought for pennies on the dollar ( ~XXXX ) in this case. Yet I am extorted ea mo for over 1200 USD. THIS MUST END. XXXX lures consumers into a net and when it backfires, as is the case in bad housing areas- consumers take the fall for it for years- even after fixing eviction problems with paid off ( look the other way ) courts. I have been denied a home 2x and credit multiple times because of this. I demand immeadiate compliance or these company be held in contempt of court. ( US v XXXX XXXX )
XXXX, Chase card agreed to have me pay partially on an account since I had XXXX XX/XX/XXXX XXXX XX/XX/XXXX, and was embezzled by an employee using my card during the time I was XXXX injured. They also agreed to not put bad marks on my credit score. I assumed it was taken care of and they would do what they said they would do. Chase bank reneged on that. Their reporting to the credit agencies is erroneous and the credit agencies reports are inaccurate. I have disputed this and they are relentless. I wish I would have filed BK, but I paid them. They also continue to make hard inquires on my credit report which further lowers my score. They are harassing me and damaging me financially.
In XXXX XXXX, I disputed an address and balance on my credit report. A background check was submitted for employment on XXXX XXXX, XXXX and the same incorrect address appeared several times. 

Due to this incorrect info, I was denied a application for housing. 
The address in dispute is : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX, apt XXXX, apt XXXX, XXXX XXXX I never resided at any of these addresses
Calvary SPV is reporting a collection account for XXXX XXXX Bank opened on XX/XX/2012. I did not have a XXXX XXXX account at that time. I have disputed this collection activity previously and have not received any information regarding this account opened in my name in 2012. I have made several attempts to get information from XXXX XXXX regarding this account and they do not have record of the account.
XX/XX/XXXX  - One month after getting a consolidation loan for $72,xxx, hit with a capitalized interest fee. That's how it started.

-Challenges with payments, they did not keep me on income-based repayment plans, instead, pushed towards capitalized interest and using forbearance. 

-Declared bankruptcy by   XXXX   XXXX   after a full year of unemployment and still not notified of better options for income issues. Consistently referred me to forbearance.   XXXX   XXXX   customer relations staff often did not have American English as a first language, making it even more difficult to understand options.

-Asked multiple times on Public Service Loan Forgiveness, and was told they knew nothing about it. Found out on my own finally in   XXXX   and lost a full 7 years of potential service and turned down positions which could have helped.

-Dates of forbearance pile ons via capitalized interest:
  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  

-From   XXXX   -  XXXX , 20 months of consistent standard payments, of which  XXXX  went towards capital.

-Total Capitalized Interest with fees since  XXXX : $17,xxx

-Current principal owed 12 years later from loan origination date: $80,xxx, or + $9,xxxx more then when I started in  XX/XX/XXXX 

-Original College Payoff Date:  XXXX , age approximately   5 XXXX  making regular payments for 30 years Current College Payoff Date:   XXXX  , age approximately     XXXX  , making regular payments for 30 years
On XXXX XXXX,2017 @ XXXX I was contacted by Capital One regarding my wifes debt owed on her Capital One Auto Loan. I am not on the account and the representative XXXX continued to discuss the debt with me. He did not give the mini miranda to me or ID any recording of the call until 2 min into the call. And after he already discussed the debt with me. Privacy Laws The Fair Debt Collection Practices Act governs the behavior of the debt collection industry and its representatives. It protects debtors by prohibiting debt collectors from utilizing abusive techniques when recovering delinquent debts. The FDCPA states that a debt collector may only discuss the details of your debt with you or your attorney. Collection agents can call you at home and can ask to speak with you if your spouse answers, but they can not inform your spouse of your delinquent account, as this violates your consumer protection rights under the FDCPA.FDCPA Violations Although the FDCPA notes that collection agencies do not have the right to discuss an individual 's debts with his spouse, that does not guarantee that all debt collectors will abide by this rule. Should a debt collector violate your rights by giving private information to your spouse or any third party, the FDCPA gives you the right to file a lawsuit against the company and collect damages of up to {$1000.00}. Should you choose to sue, you must file your lawsuit within one year of the date the violation occurred.
They contacted my employer in XX/XX/2018. I do not owe money to this company but yet told my NEW employer of less than one month that there was a court order against me.
I am receipt of Transworld Systems letter informing me they are handling the collection of an account that is a debt. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Transworld Systems and me which makes them entitled to enforce a commercial claim against me. Transworld Systems have not provided any proof of contract to substantiate their claim. Such as providing me with a certified copy of an original contract with my signature, specifically naming Transworld Systems as a company entitled to enforce a commercial claim against me.
I am having issues about Merchants Acceptance leaving a charge off on my credit report that should not be on there I am paying this company every two weeks in the amount of XXXX which they are reporting one as in good standing and then stating I had a charge off on another which I did not as I am paying for only one item and I pay every two weeks and have bank statements to show this. XXXX tried to get them to remove it with the proof I sent over and they said no they would not even though I am current on all my payments. The product I also got from them was faulty and even started my carpet on fire I called them several times to come get it before I would owe for it and they never returned my calls. This information needs to be taken off my credit report as it is not a charge off it is an account that I am paying for. See below Details Account # XXXX Original Creditor - Company Sold - Account Type Installment Sales Contract Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Usage - Balance {$1900.00} Balance Updated XX/XX/XXXX Original Balance {$3500.00} Monthly Payment - Past Due Amount {$1900.00} Highest Balance - Terms 36 Months Responsibility Individual Your Statement - Comments - Contact Information XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX
We have spoken to both American Express and the merchant, XXXX, on numerous occasions to attempt to correct this issue. We purchased an item through XXXX, and returned the item. Tracking information for the return was presented to both XXXX and Amex, and there is no dispute that the item was returned, to our knowledge. For some reason a charge, reversal, and a second charge for the item appears on our Amex statement. So, in essence, we are being charged for the item even though it was returned ( second charge for same item ). When we contact Amex, they tell us to contact XXXX. When we contact XXXX, they tell us to contact Amex. The amount of the charge is {$290.00}. If the amount were small, we would have just let it go at this point because of the hassle. Unfortunately, the amount is sizable, and we want the amount credited to our Amex account. ( Again- no one is claiming that the item was not returned. They just can not help us with the faulty accounting / secondary charge to the account for the same item that has been made in error, and apparently no one at Amex is willing to do the research to correct it. )
Credit card after I reported it lost or stolen and that I didnt do any cash withdrawals still charging me cash advance fee several times each month.
I have a collection company CCBA stating they are threating a lawsuit of a payday loan i supposely had a year ago. They sent me an email about it and payment plan. I have never received any documentation in the mail stating the debt owed and a chance to respond to the original creditor. XXXX XXXX has not sent any documentation. They are wanting banking info and setup a payment plan but i am scared to give out any information with out a offical documenation of the debt and verification sent from the original lender. Once that is done, then we can work out a payment plan.
Beginning XX/XX/XXXX, I started contacting XXXX and XXXX XXXX about the credit card THEY HAD ISSUED BASED ON A PURCHASE. 

I have contacted via email, phone AND USPS ASKING FOR A DETAILED STATEMENT. 

I've been told verbally that one is being sent but I HAVE NEVER RECEIVED IT. 

On XX/XX/XXXX, a " XXXX '' called and left a very threatening message about the account. I called her back and noted that I had neither received a card OR a statement so I was not making a payment on anything. 

Purchases totaling LESS THAN {$600.00} ARE NOW totaling {$1800.00}! 

XX/XX/XXXX, I received another call threatening with ESCALATION IF I did not call and make a payment immediately. the calls state that I am being " warned that escalation will occur if I do not call by XXXX XXXX
I 've had a checking, savings, pre-paid cards and business checking for 1 year with Fifth Third. I have had issues with the bank the entire time I had an account. The bill pay did n't work correctly and I called several times because the bills did n't get paid on the correct date that the bank GUARANTEED. I received debit cards for the business checking that never worked. One night we were in the bank in the winter, going in and out the branch because they did not have an inside ATM XXXX another disadvantage ) and the representative could not get the cards to work. They sent the cards several times and they never worked, meanwhile, we opened up other accounts elsewhere to service our business needs. We could never utilize the Fifth Third business account as we wanted to. I went in to close the account on XXXX/XXXX/2015 and the representative told me she could NOT close pre-paid cards at all. Also, she suggested I should wait a week so that the business account is 1 year old and I could avoid the {$50.00} fee. I call the XXXX number provided by her to close the pre-paid cards and they say I have to close the cards in the branch. I was very frustrated at this point. I go inside the branch on XXXX/XXXX/15 to close the pre-paids and speak with XXXX and she tells me that she can close the cards. I ask her to close the business and she tells me she can not waive the {$50.00} fee. I explain to her that the other representative told me I had to wait a week and the fee could be waived. She puts the disclosure dated XXXX2015 in my face and say 'you have to pay the fee '. I tell her about the unsatisfactory service with this branch, how we never got to use the account, and how many monthly service fees we have paid that should cover the closing fee. She does n't care, she 's quite arrogant, and refuses to help eventhough her staff mislead me into thinking the fee could be waived. It was not disclosed to me at the time of opening the account there was a closing fee indefinitely.She should have taken into consideration the inconvenience of going back and forth to the branch due to her staff lack of knowledge. I filed a complaint over the phone that night and I called XXXX/XXXX/2015 and there 's no proof of a complaint being filed and the representative states I have to go into the branch to file a complaint ... AGAIN! This branch is totally unprofessional and the manager is not training her staff properly.
XXXX  I received the first call, I asked them not to call me at work, they continued and my  manager  even had to speak with them to let them know that I could n't receive calls at work but he continued to call saying he was an attorney at a legal office. So I put the request in writing and faxed and mailed over the cease and desist calls. The calls are now back as of  XXXX   XXXX   XXXX ,  two  calls back to back to my employer  XXXX  and  XXXX  and then my cell phone at  XXXX
Collection Bureau of FWB XXXX XXXX XXXX. 
XXXX XXXX All three of these companies have threatened legal action against me for services rendered for medical treatment. These companies had said that they will ruin my credit rating by notifying all credit bureaus of amounts due. 
I am on Medicaid and a fixed income and not able to pay any amount over what Medicaid pays for my medical treatment of XXXX and other major health problems
From XX/XX/2018 I have been disputeing two account with Equifax XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX please note including your Method of Verification. I do notconsent to XXXX   or any means of automated verification. yet Equifax allowing XXXX XXXX and XXXX XXXX XXXX XXXX  to report Verfied over and over after a re- ivestigation. also Account on my Credit report not showing the Full acoount number is inaccurate .FCRA section 611 ( a ) ( 1 ) ( A ). FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .The credit reporting agency must give you the method of verification information within 15 days of your request.A third party database was likely used to verify the disputeditem automatically, which is insufficient. XXXX XXXX  and XXXX XXXX XXXX XXXX  File have not provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. i have also file a Identity Theft report with the Federral Trade Commission Report Number XXXX  and place a Fraud Victim alert on all my credit report. yet they file to remove these account.
My mortgage servicer is Roundpoint. I have had ongoing problems with their escrow and insurance department. Recently, they increased my monthly payments, claiming it was because my insurance rate went up. However, my policy with my insurance agent was set to expire on XX/XX/XXXX, and I am not renewing with that company. I notified Roundpoint of this, and the agent I spoke to on XX/XX/XXXX, XXXX, claimed that their insurance department received a statement from the insurance saying that my insurance was going up {$200.00} per month. 
I contacted my insurance agent and confirmed that this never happened, and that the renewal estimate they sent me ( not the Mortgage company ) was nowhere near a {$200.00} increase per month. 
When I spoke to XXXX in the insurance department on XX/XX/XXXX, they claimed the increase was for another home owners insurance policy from another carrier ( XXXX ). I had trouble confirming the policy with that carrier, and had never authorized Roundpoint to pay them. My policy had been through XXXX the whole time. I asked Roundpoint for some proof that I authorized them to make a payment to XXXX, and they could n't produce it. The agent event stated that there was no record that they ever sent me any written documentation or confirmation of the change ( email or regular mail ). She stated they had left me a voicemail message 4 months prior, and because I had not responded to that, they decided to pay and enact the new policy because it was a lower premium, despite no authorization from me. Then they claimed that they were increasing my payments {$200.00} per month to cover the money they sent XXXX, again which I never approved, never authorized, and they NEVER sent me anything in writing to document the change.
My wells Fargo account online was apparently breached by some scam artists and this comp is trying to blame me. Why on earth would I tamper with my own finances??
Subject : Your submission, [ Case  number :  XXXX  ] We wanted to let you know that the company responded to your complaint.     ( They really did not unless you consider getting a phone call " response ''. Please see below.     In short it was more obfuscation. Please do n't close the file yet!      I tri4ed calling your number but its always busy, so. I also tried the link you posted but its taking me to a page that says 's " erro r '' What happens next?    Review the companys response : - Log in to https : //help.consumerfina nce.gov/app/account/complaints/list to read it online, or - Call us at  ( 855 ) 411-CFPB ( 2372 )  and well share it with you.     The companys response should include the steps they took, or will take, in response to your complaint.     If youre okay with the companys response, then youre finished! If you arent okay with it, we want your feedback. You can call us to dispute it, or select dispute and share your feedback when you review the response online.    XXXX   XXXX   XXXX ,   XXXX    XXXX  morning from  XXXX   XXXX , Connecticut.     And Thank you for the follow up for it is crucially important as it speaks volumes about the seriousness of purpose of your agency.     I was contacted last week by someone from  Chase  who introduced herself as calling from the office of the president.     To be certain of whom she was calling for and the reason for her call mindful that I Did Not write to the president of   Chase, I asked her if it was about the complaint, I had filed with your agency and she said yes.
After that I said, let us cut to the chase and tell me me if Chase would now allow me to increase the automatic minimum payment to which she replied that Chase was still compiling sufficient data ( or something ) before making that decision to which I then remarked " that is complete BS ''.
Chase    I said is one of the major CCard issuer and if the other   companies such as Capital and   XXXX   XXXX   XXXX   XXXX  ould allow us to set the minimum, why couldnt Chase, unless of cour  se Chase wants to continue gouging us, to further increase its profit.
( Yes I was unkind with my words but I made sure she is aware that it was not personal ; that I am alluding to the senior management ).
Knowing we could be going b  ack and forth and still accomplish nothing, I asked her pointedly what the purpose of her call was.     Th  at if all she could tell me was that Chase is still looking at the issue then both our time is being wasted, for clearly, Chase made the point to call me just so it could say to your agency, that they responded.
I also compared Chase to a loan shark ( and many more unpleasant words ) and   each time, reminding her that it was not directed to her, but to her employer so she would know it was not personal.      XXXX  I say   Chase very clearly knows what it is doing and that they can continue to get away with it unless. So the question then is what could we do about it.
For whatever its worth, I am willing to participate in any effort by your agency to force Chase to change its policy.
Thank you for reading this.        XXXX   XXXX .
I was added as an authorized user to Chase credit card which appeared predatory for emergency purposes only. As per my recent credit report the account shows 1 30 day late, 1 60 day late and 3 90 days late from a period of XX/XX/XXXX to XX/XX/XXXX with a chargeoff balance of {$8000.00}. I was not aware account was being paid late by creditor and I want these late payments removed because this debt does not belong to me as well as I want this collection account deleted from all three credit bureaus remove my name as authorized user. I did not co-sign on this debt. This negative activity has impaired my credit and I need all negative information removed from the three credit bureaus.
On Wednesday XX/XX/XXXX, I set up a sales post on XXXX to sale my vehicle. XX/XX/2015 XXXX XXXX. ( This was my first time ever posting anything to sale on XXXX ) At XXXX the same day, I received a text notification to my cell phone from an individual who claimed the name XXXX XXXX from Indiana, who said she was interested in my sales ad to purchase the vehicle. She texted that she could not talk over the phone due to XXXX of being XXXX. So we communicated concerning the vehicle via text. She agreed to purchase the vehicle as the said price of XXXX by way of XXXX deposit. However, at the time of purchase, she sent me multiple emails on behalf of XXXX, that for security purposes between the buyer and seller, that I had to pay XXXX upfront to cover the fees for car pick up, shipping, and delivery, which she claimed was included in what she transferred to XXXX ( total of XXXX ). The assumed claimed agent over the account was XXXX XXXX. After transferring the funds through Walmart2Walmart money transfer, no funds were officially sent to my account and she took the {$1300.00}. In addition, she asked for another {$920.00} to cover insurance costs in having the vehicle sent. The entire situation was very frustration and deceiving. I was totally thrown off by this and really want justice from this. I have saved every email received and receipts.