WillisBack/dataset-financial-user-claim huggingface dataset:
Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company
I did not sign any contract with the following companies.. Given the growing cases of identity theft, I'm sure that you'll agree with me that verification will protect both my interests and this company 's interest 01 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, XXXX/XXXX XXXX XXXX, XXXX/XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX, XXXX XXXX   XXXX/XXXX XXXX
I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
In XXXX XXXX I moved into an apartment complete at XXXX XXXX XXXX XXXX XXXX XXXX MA and received electric services through XXXX. In XXXX XXXX I moved from the apartment into a new apartment located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA and called to close account, but account was never closed and billing remained in effect until XXXX while new tenants during that time were receiving services. The creditor has refused to work with me on this matter by recalculating what I owe and is reporting as a collection to all XXXX credit bureaus even with verification that I was not a resident during the months billed XXXX XXXX XXXX. I have filed numerous disputes through the creditor, collection company and all XXXX credit bureaus but have been unsuccessful. I recently filed a compleint with the Department XXXX XXXX XXXX who has denied my claim because it is in collection status.
On XXXX/XXXX/15 I sent a payment to Bank of America for reinstatement in the amount of {$19000.00}. When I spoke to a Rep. named XXXX, in the Credit and Collection division, he said that since it has not been received yet, and I wanted to be absolutely current, I should stop payment on that check, and walk a payment into a Branch in the amount of {$19000.00} bringing me absolutely current to the few days that already transpired from my previous payment. I did so on XXXX/XXXX/15. 
Since then I have been in a payment agreement with the Bank to pay the Periodic Finance charge monthly. I did not receive the XX/XX/XXXX statement, so in XX/XX/XXXX I paid {$1000.00} for XX/XX/XXXX and XX/XX/XXXX. XX/XX/XXXX I paid {$540.00} for Finance charge. In XX/XX/XXXX my statement asked for a {$1400.00} payment. When I questioned why, they explained that I omitted XX/XX/XXXX payment, and now also XX/XX/XXXX and also a {$340.00} LATE FEE. 
They said that this late fee is stemming to before my reinstatement. When I said that I was told that I was totally current when I paid the {$19000.00}, but they insisted and I paid {$1400.00} they asked for. My payment on XXXX XXXX went towards the XX/XX/XXXX payment. On XXXX XXXX, 2015 I paid on line for my XX/XX/XXXX payment. All this while I made payment on line, and only for the Periodic Finance charges. I was billed by Bank of America for an additional {$340.00} and when I questioned they said its for late fees. 
On XXXX XXXX I spoke to XXXX, she understood my issue, and transferred me to XXXX, who transferred my to XXXX, who then tranferred me to the Manager XXXX. All with conflicting answers as to why they keep billing me for the additional Late Fee. They acknowledged the receipt of the payment on XX/XX/XXXX which included the Late fee amount of {$340.00} but claimed that they allocated that payment elsewhere and that they have a right to do that!? 
I believe that if I already paid this amount for late Fee, after inquiring what that charge was for and consented to pay it, It should be credited for just that. Charging again for the same is fraudulent. 
On line Bank of America shows the amount due, the periodic Finance amount for current payment due, omitting the Late fee, but the Total minimum payment due does include the same Late fee amount {$340.00}. 
I am continuously paying the Periodic finance charge due. 
I LIKE TO BE IN COMPLIANCE, AND FEEL VERY MUCH CHEATED WHEN THEY DO NOT ACKNOWLEDGE THIS. 
Since the employee that recorded my payment for LATE FEE which was paid in my XXXX 2015 payment inaccurately, they should adjust my account and should read current, without the additional charge of {$340.00} again and again. 
I HAVE SUBMITTED THIS COMPLAINT ON XX/XX/XXXX. but when I called your representative today, he asked me to resubmit, since they could not locate my original. 
THANK YOU IN ADVANCE FOR YOUR ATTENTION TO THIS MATTER, and I am looking forward for Justice to prevail. 
Sincerely, XXXX XXXX
In XXXX 2016 I realized that a paypal account had been opened in my name with the information of my bank account. I contacted pay pal and they advised me to contact my bank which I did. XXXX  deposited the amount of XXXX plus all transfer fees and overdrawn monies. About a month later I saw that they had reversed the deposit which again began charging me overdrawn and transfer fees. I contacted Pay Pal on XX/XX/XXXX because they had advised me that they would be sending me a check back in XX/XX/XXXX and I went online to check. It showed a XXXX balance. I asked the supervisor I talked with XXXX ID # XXXX what was going on and he advised me that the funds had been transfer out to someone else and was actually refunded to a XXXX XXXX of XXXX, AZ in two payment of {$360.00} and {$300.00} on the XX/XX/XXXX. I advised them that I did not know this person and that the money was mine, in my name with my information. After much waiting on line and talking to several people I was informed that the account was not mine and that they could do nothing. I then contacted XXXX again and was told that the reason they denied the claim was mainly because Paypal stated that the account was in fact not mine. The money came out of my account and I can give you my bank statement showing that it was from my bank account. To me the fraud was started by someone using my information to open the account and that Pay Pal did not actually verify that it was me. Also how can they send it to someone else after they told me that they could NOT send it back to me. The first pay pal deduction from my bank account was XX/XX/16 for {$4100.00}. I want to know how my money was taken out of a limited account which denied me access and then sent to someone else and why the bank refuses to honor their policy of refunding fraudulent monies to me when I can show them where it was taken out and by whom. I fill that both Paypal and XXXX are at fault in this case and wish it resolved ASAP. There should be some type of recourse that I can do to get my money back. I am a senior citizen on a fixed income and this is a great deal of money to me. XXXX XXXX XXXX
On XXXX XXXX, 2017, Equifax announced a cybersecurity incident potentially impacting approximately 143 million U.S. consumers. Upon visiting equifaxsecurity2017.com and entering my credentials, I received the following message : " Thank You -- Based on the information provided, we believe that your personal information may have been impacted by this incident. '' This indicates that some or all of my personal information held by Equifax has been compromised, which places me at significant risk of identity theft and/or financial fraud. This situation is made worse by the apparent incompetence of Equifax in its digital security practices, which indicates possible gross negligence of their handling of personal and financial information of consumers.
I open a checking Account with Capital One Bank. I received a refund from a merchant for a couple of purchases. The bank put the refund into my account more than once and after they made the mistake, they then charged me over limit fees. I 'm on a fix income of SSI. I refuse to pay these excessive fees. This is a form of swindling. Which I consider a White Collar Crime.
I took my fiance 's XXXX year old XXXX XXXX to XXXX XXXX XXXX in XXXX Ca, with Dr XXXX XXXX on XX/XX/2018. We went in for XXXX issues as the XXXX was not XXXX correctly. Well the XXXX charged us a whopping {$800.00} on my care credit card and the XXXX only found a XXXX   which I already knew he had and my XXXX  still has not gotten better. I have gone to other XXXX before and have never paid {$800.00} for a XXXX. The XXXX  did not find what is wrong with XXXX and charged us an outrageous amount for a XXXX   when other times we have gon the XXXX  for that and we get charged under {$200.00} for the same problem. I did ask the XXXX if there was a way to reduce the bill but declined and the credit card company have not done any better and have not heard from them.
I have been dealing with IQ Data and they were refusing to send me the information as I explained I gave my previous apartment complex my forwarding information two times and was sent to collection. I explained I had gotten the proof and literally had to beg them to send me the information. The calls were supposedly recorded and they were condescending and questioning fact I have background in collections and they called me yesterday before I got the information again saying I explained the bill so you should pay and I said not till I see the exact documents. The collector questioned because I have been in the business then I should know what the deal is. I had initial call for representative on XX/XX/18 and when I asked for a manager I got one indicating they were going to report to my credit bureau and I indicated I hadn't even received information. I called back and got a receptionist who hung up on me as wouldn't put me through to a manager. On XX/XX/18 I called yesterday and asked to speak to XXXX XXXX the director based on all the problems I had with the agency and was told the director doesn't talk to debtors and I offered to give my name and number so XXXX could call me and the representative refused to take my information. I ended up paying the water portion of bill but I informed XXXX XXXX the Operations Manager all the issues I had with their collectors and the smart allic answers and the fact not waiting for me to even see proof of bill
I called into the company and gave nothing but my name told them I had called in recently and was attempting to find out how many accounts the company had for me. The representative who answered did not ask a single question to verify I was who I said I was, but she released my full name, who the account was with, and how much it was. This was a clear violation of my personal information. I then requested a supervisor to ask what the company 's verification process for protecting clients he as well released my full name, who the account is with and how much it is without any sort of verification either. The way this account has been handled has been absolutely horrible and makes me wonder if the fraud issues I 've had have stemmed from this company. If it was n't actually me calling in I have no doubt that someone would have my full name and the information associated to the account in collections. Upon attempting to reach the company prior to filling this complaint they have hung up on me three times when asking for a manager to settle this issue.
I had a American Express platinum and the company got my information illegally with my social security.We are receiving promotional applications like 5 days a week me and my wife told the company stop sending the pre-approval letters they still keep sending the them.I called multiple times they keep being unprofessional.I believe this is a data breach .Because retrieved the information from my social security number.I spoke to a rep on the phone going back and she they can not stop sending the marketing material.I am in a community property state so if I am asking stop sending to stop material it means stop.Reps were being unprofessional kept hanging up the phone and transferring to different departments not getting things resolved.
I had an on the Job Injury. XXXX did not pay {$700.00} while I was going to XXXX XXXX XXXX XXXX. XX/XX/XXXX It was sent to Ray Klein Inc. dba Professional Credit Service. I was then put on SSI. 
XXXX XX/XX/XXXX Ray Klein Inc. dba Professional Credit Service Garnished my savings from an out of XXXX Credit Union for {$1400.00}. I spoke to An Attorney XXXX XXXX an was told this was illegal. 
Spoke with XXXX XXXX employee of Ray Klein inc. dba Professional Credit Services he said to fax copies of bank statements showing my SSI direct Deposit and copy of Bank statement showing where I sent the deposit into savings. I would be refunded. I did send copies. I am contacted by XXXX XXXX Ray Klein employee dba Professional Credit Service she asked for the same thing I refaxed paper work. I told her I want a " Refund '' of {$500.00} for the reimbursement of my SSI she said it would have to be a Loan I would need to make payments on. Now they have all my Bank info an I have to change to a XXXX card instead of a bank so they wont have my information. I have been lied to regarding this and I Want my monies back.
I 'm a single mom. My primary house that I live in withMy daughter is in foreclosure. I have been tryingto modify the with Kondaur Capital corporation loan # XXXX .. I complied with all the demands but theyrefused the modification and only gave me option toeither to do a short sale or foreclose on the house. 
I accepted to go for short sale because I cant afford thelawyer fees. Even with the short sale they pressured meto use their own agent and to sign a document that denyme all my rights in the house and when I complainedand wanted to use my own agent they cornered mewith a high listing price that is higher of the market priceXXXX more .. which makes it impossible to selland they limited the time and commission to the agent. 
that if I do n't sell in the given short period they are notapproving the short sale and they are going to courtthey keep pressuring me to give up my house and pushingme to pay lawyer that is costing me lots of moneythis is my primary residence and my daughter goes toschool .. it is very hard to relocate now.
I have inquiries on my credit report from Experian that I do not recognize. I have contacted Experian and the companies to resolve the issue but have been unsuccessful. Below are the inquiries in question that I would like Experian to provide me with the information that proper procedures were used to obtain my credit by these companies and that they had my signed consent or a recorded IP address from the source. 

1. XXXX XX/XX/XXXX 2. XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XX/XX/XXXX 12. XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX/ : XXXX XX/XX/XXXX 15. XXXX  XX/XX/XXXX 16. XXXX XXXX XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX
I have noticed that Chase Card have placed an inquiry on my XXXX  and XXXX   credit file dated XX/XX/2018. When i was aware of this i contacted both Credit Bureaus and was told by the fraud team they cant dispute unauthorized hard inquiry 's. 

As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. 

Both XXXX  and XXXX report that you pulled a hard inquiry. 


Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are {$1000.00}, whichever is greater ; '' You are civilly liable to me in the amount of {$1000.00} for your willful violation of the law -- performing a " hard inquiry '' on my XXXX  and XXXX   file without my permission. I do hope that we can settle this matter amicably. 

You can remove the inquiry within one ( 1 ) business day of the receipt of this notice. Or, we can meet in court where you will end up removing the inquiry, paying me the civil liability fine, punitive damages for my score drop, plus court and attorney fees.
I was directed to fax a waviers letter on the late charges to the correspondence inquiries dept. Put their to me to talk with them. I ask that their put and listens to all calls from XX/XX/XXXX and XX/XX/XXXX was told if I pay {$2200.00} that XXXX later charges would be taken of my Seterus Account each was {$26.00} my Seterus Account would be even this was okay by the supervisor but only {$78.00} was taken off my account. I only owe {$26000.00} on my loan. Seterus is trying to take my home. In XX/XX/XXXX I find out Seterus dropped my flood insurance XXXX XXXX I had over 20 years and added their own flood insurance for almost three times over XXXX price. I nor XXXX was never notify on the renewal their paid XXXX in XX/XX/XXXX why not in XX/XX/XXXX. Now I must pay for a flood elevations certified to go back to high point XXXX insurance which cost over {$600.00}. Now XXXX/XXXX/XXXX I 'm being told I have to pay the extra which was never discussed with me.
Filed Chapter XXXX bankruptcy on XXXX XXXX, 2016, this information is readily available on my credit report, through subscription services, and public record. Whether or not a debt is dischargeable or not, it is a requirement that all creditors abide by the " automatic stay '' instituted by the United States Bankruptcy Court. This particular collection agency did not follow this rule, nor can they claim ignorance of the filing as the proof of filing is readily available as previously mentioned. In fact, proof exists that the original creditor is listed on the bankruptcy petition. This agency made 11 phone calls and left the same scripted message during the " automatic stay '' provision, from number XXXX, the recordings have been saved. The dates and times are as follows : XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX, XXXX/XXXX/16 at XXXX.
On XX/XX/2017, fraudulent charges were made using my card that was either lost or stolen, and paid by PNC Bank without being questioned. The fraudulent charges totaled {$790.00}. 

I reported the lost or stolen to PNC in a timely manner. PNC Bank refused to return the money. 

I have a attached a detail letter, with documentation.
My name is XXXX XXXX XXXX I have an active Case number : XXXX, XXXX # XXXX. I am in need of immediate intervention. XXXX XXXX XXXX @ WELLS FARGO ( WF ) is not returning any of my messages and a TRUSTEE sale is scheduled for XX/XX/XXXX. I believe would be unlawful and deprives me my right protected by the XXXX Am.. [ XXXX ] or shall any person be deprived of life, liberty, or property, without due process of law. 14th Am.Sec. 1 [ N ] or shall any State deprive any person of life, liberty, or property, without due process of law. I can not afford a lawyer so my court filing process is slow and unsure. I Received a fraudulent response to my QWR rec. by WF on XX/XX/XXXX ( ex.a ) from XXXX XXXX XXXX XXXX @ WF ( ex, b ) on XX/XX/XXXX, clearly a violation of the 30 day required response pursuant to sec. 6 of the RESPA. The cover sheet document was back dated XX/XX/XXXX, clearly suspect, since it was mailed on XX/XX/XXXX 8 wks. after. WELLS FARGO ignored my QWR. Instead XXXX XXXX XXXX posed XXXX questions of his own ( 1. Who is the investor of the account? 2. Why are you calling us? 3. What are my options? ) all of which I never asked, falsely attributing said questions to my QWR. He also sent me copies of closing doc 's which I already have and did n't request for. I need proof they have proper standing and authority. Total disclosure, especially since WF has a vast documented history of fraud and criminal activity regarding mortgages. Reviewing the " NOTE '' XXXX, endorsed XX/XX/XXXX Specifically sec. XXXX. BORROWER 'S PROMISE TO PAY, it states " In return for a loan that I have received, " past tense " We received no such thing on or prior to XX/XX/XXXX. Evidence the purported lender failed to satisfy their obligation as to the specific terms and requirements spelled out in the purported AGREEMENT/CONTRACT/ NOTE/ DRAFT. The purported lender failed to perform their obligation to the terms stated. It is presumed, XXXX XXXX XXXX has been intentionally withholding vitally important information regarding the purported loan, WF 's claim to be the holder in due course and alleged TRUSTEE NATIONAL DEFAULT SPECIALISTS CORP.S authority to execute said TRUSTEE SALE, depriving me of my right to due process. For 10 month 's I have been asking for information, and have gotten nothing, from XXXX XXXX XXXX @ WELLS FARGO. NOT EVEN XXXX single phone call, that I 've requested for many times in speaking to other WF employees after getting XXXX XXXX XXXXvoicemail XXXX, extension XXXX I 've asked them many times, to record our conversation and send it to him so he can prepare himself for our conversation, I realize he may have a busy schedule and this would ensure efficient use of his time. He has had many opportunities to speak with me ( 10 months worth ). It appears he will avoid contact and elude his legal responsibilities until after WF steals my home. I am requesting intervention if at all possible to stop this TRUSTEE SAle. Thank you.