WillisBack/dataset-financial-user-claim huggingface dataset:
Hello, I 'm writing to complain about the ADR group. They also go under the name Dispute Resolution Services. Yesterday I received a call from a man named " XXXX XXXX ''. He said he was an investigator with XXXX XXXX XXXX and that I was listed as a contact person for my husband, XXXX XXXX. He told me he would be coming to my house tomorrow, XXXX XXXX, between XXXX with the sheriff to serve summons to my husband. He also said that if he did not receive a stand down order and my husband was n't home, that my husband would be facing legal fines. He did not leave a company name and he did not give the mini-miranda about trying to collect a debt. He did leave a case number and docket number. He also left the phone number of the company he is working for. Of course now I 'm freaking out because I 'm worried that the police are going to come to my house and take my husband in front of our kids ( he would actually be at work during the time of this scheduled visit ). 

I did a little research and found out the company is called ADR. When I called the number back the system told me they were called XXXX. I went through my voice mails and found out they had called me in XXXX telling me there was a complaint filed under my husband 's name and SS # for fraud. When I received this call in XXXX I called them back and asked for number to be removed from their records. Of course they called again. They 've also called my parents with the same scare tactics. 

I do n't think it 's right that they threaten and use scare tactics to try and reach my husband. I talked to a friend who worked in collections and was told that this was absolutely illegal. That they ca n't threaten to sue, ca n't threaten arrest, ca n't misrepresent who they work for. They did all of these things!! Any help would be appreciated and if you need to contact my husband or I, please do! 

Thank so much, XXXX XXXX
I applied on XXXX XXXX online at Argon 's Credit Website. I was offer an approval for 20 % interest/ APR. I signed the document via electronic signature and submit all documents the same day. As I went through there application process, they used XXXX XXXX XXXX Bank XXXX XXXX to scan peoples bank account activity for 90 days. It asked for my online banking credentials. Uncomfortable giving sensitive login information online, I gave them my past 60 day bank statement. During this time, I have been very patient with this company. They state approval and verification takes " 48 to 72 hours ''. It had been almost 2 weeks. I 've given my last 60 days bank statements, XXXX and XXXX Tax Return, XXXX paystub periods, My Driver 's License ID, and a copy of my Personal Check Voided I recently received a call that I was going to be funded and it would take " another 48 to 72 hours ''. I await 3 days. I check my account and funds have not been disbursted. I call them again and they state it would be another 5 business days for funds to transfer. Please keep in mind my contract was signed on XXXX XXXX. My first payment is due XXXX XXXX and I still have n't recieved my funds in my bank account.
RE : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, FL-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX + XXXX, tax parcel # XXXX Dear Sir or Madam, I have purchased a lot at the above address in XXXX. I had planned to build a house and move there with my wife upon our retirement. However, XXXX XXXX refused to advance payments against the mortgage for the construction. XXXX bought this loan from XXXX, out of bankcruptcy. 

We had originally taken out a construction to permanent loan with the now defunct XXXX. The loan was saddled with very high fees and closing costs. Also, the interest rate was initially high at 7 %, despite my, at that time, very high credit rating. XXXX issued payments to the mortgage broker ( commissions ), the real estate agent who sold us the lot as well as an initial draw to the original contractor that was supposed to build the house. Those draws were issued against my loan with nothing in return to me, resulting in a much higher balance than if I had just bought the lot. The contractor never did any construction but pocketed the money advanced to him by XXXX. 

After XXXX went bankrupt in XXXX, XXXX Bank purchased the loan for XXXX cents on the dollar. Even though this was a construction to permanent loan, XXXX XXXX refused to pay for the construction of the house. At that point, I had already paid out several XXXX dollars out of pocket to the contractor for site preparation. So I got stuck with the sunk cost of not only XXXX of dollars in unnecessary loan costs, but also the sunk cost of the site preparation. 

Even though XXXX Bank reduced the interest on the loan, they have collected more in interest on this loan than what they had originally paid for the entire loan. Over the past 10 years, I had asked XXXX XXXX three times to reduce the outstanding principal or to take the property back ( deed in lieu ), but they had always refused. 

I am XXXX XXXX old and my wife and I only receive Social Security income and a few XXXX dollars in rental income per month. Our out of pocket medical expenses are mounting and in order to continue making payments on the above-mentioned loan, we will soon be forced to sell our home. 


Sincerely, XXXX XXXX
XXXX XXXX XXXX XXXX, SC XXXX CreditRE : Letter of Intent to SueTo Whom It May Concern : This letter serves as the formal notice of my intent to file a lawsuit against XXXX XXXX XXXX for {$20000.00} as a result of violations of FDCPA 813. Civil liability [ 15 USC 1692k ], FCRA [ Title 15 United States Code Section 1681 ], TCPA [ 47 U.S.C. 227 ]. 
In XXXX I contacted Rise Credit in regards to a fraudulent inquiry on my credit at which time I advised your company of the fraud and requested the inquiry removed. I received no response no justification via permissible purpose. I the realized in the months following your company listed a loan on my credit again I mailed your company copies of FTC Id Theft Affidavit, XXXX XXXX CID Memo, and a letter of dispute and requested validation documents so I can attempt to find out who is continuing to use my ID. I have now sent those documents to your company XXXX. Neither time were my issues addressed or responded to. Your failure to update the credit bureaus have caused me financial harm i.e. increased APR percentages on my loans/credit cards as well as being out right denied for lines of credit. Also your negligence in responding to said correspondence constitutes Willful Negligence as required under FCRA. A combination of all of the above constitutes actual damages. 
If you wish to resolve this matter without court action, a check or money order for {$6000.00} must be received by myself at the address listed above in addition to removing the account from all XXXX major credit bureaus within 14 days. If I do not hear from your company, I will initiate a lawsuit. I believe that is a fair and reasonable settlement considering a previous lawsuit I filed the business incurred legal fees alone in excess of {$5000.00} prior to agreeing to settlement. I can be reached by email at XXXXXXXXXXXX or XXXX : XXXX XXXX XXXX South Carolina XXXX XXXX XXXX XXXX XXXX of Suit Other Statutes - Other Statutory ActionsCause 15:1692 Fair Debt Collection ActCase # XXXX XXXX XXXX, XX/XX/XXXXYour prompt attention is appreciated, XXXX XXXX
I write this letter in great despair and fear. My home was wrongfully foreclosed and sold in auction by Bank of America.   I have been working with  XXXX   (    XXXX   XXXX   XXXX    XXXX   XXXX   XXXX ,  Tel (   XXXX  )  XXXX  ) to have my home loan modified to a lower payment.   On  XXXX   XXXX   2017, I received a  call from someone claiming to the vice president of Bank of America. She notified me to let me know that my appeal had been rejected. However, I did want to accepted because based on what she told me herself, my request was not reviewed as requested. I did not take the news well at all.   However, at the end of the phone call I was told by her that I can apply again for a loan modification if my circumstances had changed.   Since my wife was now working full time I sent all the information they requested by  XXXX   XXXX  , 2017. I   contacted them on  XXXX   XXXX  and  XXXX   XXXX  , 2017 via ph one and email letting them I had sent all the documents they had requested and asked them to inform me ASAP if the needed anything else. No one replied nor returned my calls.   On  XXXX   XXXX  Bank of America contacted  XXXX  letting them know the sell date of  XXXX   XXXX  , 2017 w as cancelled and there was no pending sell date. In turn  XXXX  contacted with the same information. The sell date cancellation was also reflected on the website  XXXX .   To my surprised and HORROR, I was then contacted over the phone on  XXXX   XXXX     2017 inf orming me that my home had been sold in auction earlier that day.   I did everything Bank of America asked of me. I followed their guidelines and rules. In turn, they steal my home. They steal my dignity.   I am desperate, I am horrified. I need help.   PLEASE HELP ME.   I contacted  XXXX . They can no longer assist me because now my home belongs to a 3rd party.   I contacted Bank of America and all they did was direct me their lawyer  XXXX   XXXX   XXXX   (   XXXX   )   XXXX .   The new owner of my home is  XXXX    XXXX    XXXX ,  XXXX   Tel (   XXXX  )  XXXX  Please fight for me and my family.   Do n't allow Bank of America to lie and the steal my home Do n't allow Bank of America leave me and my family homeless.
XXXX, XXXX XXXX, EQUIFAX CREDIT BUREAUS are reporting information regarding bankruptcies that they say that the bankruptcy courts reported to them. I have information from bankruptcy court that states '' bankruptcy court does not report to credit bureaus ". I have asked by certified mail, fax, online and verbally to bureau to remove inaccurate information. To no avail, they have not removed bankruptcy.
I am being called repeatedly because my name is the same as the debtor. I have called and provided the last XXXX of my social and the system has been updated repeatedly, but yet the calls keep coming up to 4 times a day. The issue should have been resolved last XXXX and the phone they are calling is used for my XXXX business.
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. It is now XX/XX/XXXX and it appears as if I have just bought my home. Through the course of this bankruptcy I have paid 12 to {$1300.00} per month which amounts to approximately {$50000.00}. My principle has not decreased and OCWEN states via mail they have only received {$8000.00} over the course of this process. They are threatening foreclosure if I do not pay {$8000.00} by XX/XX/XXXX.
I have had a mortgage on my current house and has always been on automatic draft out of my checking account. My mortgage company paid my county TAX bill late ( -- even after several phone calls to them advising them I was receiving late notices ) -This caused my county ( XXXX ) to put a tax lien on my credit report and now I cant get them to correct it. This has hurt my credit rating and I have dropped from an Excellent rating to a Good rating. I have made many documented phone calls and emails to CMC Funding/XXXX will not do anything to correct the situation. I have notified the XXXX XXXX agency and CMC Funding/ XXXX XXXX and nothing has been done in over 2 months. They have paid my Tax Bill late 2 Years in a Row and have not taken the issue seriously. The lack of response has been pathetic. Please Help
I make reference to my complaint number XXXX and several others before that, under which Ocwen keeps sending previous responses stating that they acknowledge that my loan # XXXX has been satisfied and that they have 'filed the corresponding documentation with the county clerk 's office ' ; however, Ocwen does n't include such filed documentation nor indicate with what county clerk 's office did they do such filing. 
I have recently had a title search done on property XXXX XXXX XXXX - XXXX - XXXX XXXX, NY XXXX and no recording was found. 
Ocwen keeps being oblivious to my request and keeps reminding me that the loan has being paid off, forgetting that I was the one paying the loan for 28 years and therefore, I am completely aware that the loan was paid off on XX/XX/XXXX. 
Ocwen does n't need to tell me nor remind me that the loan was paid off on XX/XX/XXXX but they rather need to send me the proof that I 've been asking for : i.e. Document they indicate have submitted to the county clerk 's reflecting the pay off of the loan. 
Ocwen 's letter dated XX/XX/XXXX, asked that I send a letter directly to XXXX XXXX via mail. They only provide a PO box address. They also provide a phone number ; however, no one answers. One has to wait at least 48-72 hours for someone to answer a phone call (? ). 
Something seriously wrong is going on with this institution : They do n't answer calls and when they answer any correspondence, they answer anything but the requested issue. 
I am sending a letter directly to XXXX XXXX with the hope that this time my request is understood and thus Ocwen provide me with the proper response and that Ocwen finally comply with its obligation. Should Ocwen still need further clarification to my request, please feel free to call me at XXXX.
Went to a bank to open a account and could n't because the information sent from ChexSystem upheld my request. This company never never contacted me. I have lived at the same residence for 12 years. How can they hold you hostage when you are not aware of any problem. Shot first, ask questions later?. How can they get away with this. There practices are un-sound.
I have received 10 robo calls from XXXX XXXX XXXX in the last 4 days. I do not have any debt to this company and never have. I have asked them to stop the calls. The call frequency has increased since I spoke with them.
I opened a TD premier checking account back in XX/XX/2017. I completed all the required actions for qualifying the account opening bonus ( {$300.00} ) as required on time, but have not received the bonus since then. 

Over the course of past one year, I have done everything I could possibly do to resolve the issue with the TD bank. I contacted either the branch, TD phone agent, or online secured message center almost every week. However, till today, I have not received my deserved bonus ( {$300.00} ) yet. TD has been forever kicking me back and forth even though they know the issue but just don't want to face and fix it. As a single customer, I feel so helpless and hopeless to confront such an arrogant giant company. 

I am now so exhausted and have to turn to you for help. Thank you so much for your attention and kind help! I highly appreciate it.
XX/XX/XXXX, I purchased furniture from XXXX XXXX XXXX for a 24 month no interest payment plan. First payment was due XX/XX/XXXX and the last payment due XX/XX/XXXX. 

In XX/XX/XXXX I started to have problems. I received a late payment charge. I did not dispute the charge but did call to inquire and the agent said that payments are posted the day the check is received even on weekends. Thus, I monitored my bank account to see when the checks cleared. Recently, I reviewed statements and this is not the case. See attached transaction and posting dates : XX/XX/XXXX and XXXX XXXX XX/XX/XXXX & XXXX XXXX XX/XX/XXXX & XXXX, XXXX I started to monitor my checking account to see when checks were clearing. All was well until XX/XX/XXXX when my check had not cleared. I called to make a payment on XX/XX/XXXX. The next month XXXX payments cleared my checking account on XX/XX/XXXX. 

I also pay a XXXX Bank payment ( to XXXX, GA ) the XXXX of each month form XXXX, NY and I mail both checks the same day. The TD Bank payment goes to XXXX, MI. The XXXX 's account has never drawn a late charge. Why only TD Bank? Due a day later. 

On XX/XX/XXXX I paid the account in full. TD Bank continues to assess a late fee and incomplete payment charge ( {$65.00} total ). 

I have made extra payments XXXX XX/XX/XXXX ) and have paid the account off early. I believe the extra and early payments should close out the account and that the fees assessed are in error. These early payments should not allow TD Bank to put me a position to penalize me. Therefore, I am requesting a reversal of the {$65.00} and that TD Bank stop mailing me solicitations. Yet, TD Bank says that the early/extra payments don't count as the are not submitted with invoices. 

A strongly disagree. 

To summarize : 1. I have proof that TD Bank does not post payments on transaction dates. 
2. I have been ahead of the agreed payment schedule since XX/XX/XXXX. 
3. I have paid the account in full as of XX/XX/XXXX, XXXX months early according to the agreement. 

I am requesting TD Bank reverse the {$65.00} and stop sending me solicitations. 

Respectfully submitted, XXXX XXXX
Some fitness company is calling claiming there is a problem with my account. I do n't have a membership. They call during my work hours non stop.
I closed my checking account at Chase Bank and an amount {$1800.00} was withdraw and used today balances on two credit cards which do not belong to me It was used to pay accounts ending in XXXX XXXX
MISHANDELED PAPER WORKOur mortgage servicer is Ocwen. Ocwen has ruined our credit by submitting negative reports to the credit bureau. We were on a trial period with lower payments prior to finalizing a modification. During the trial period we met all of the requirements. We signed the modification agreement in XX/XX/XXXX and have been current thereafter, somehow Ocwen reported to the credit bureau we were XXXX days late. This negative impact has a ripple down impact, much of our cards have been cancelled or reduced due to the erroneous information. We have contacted Ocwen several times only to hear it 's been escalated and we are waiting for the Treasury Department to make the corrections. We were also advised to write letters which they ( OCWEN ) have to answer. Some representatives have called in a threatening manner stating we need payment now or your house will go into foreclosure, and we always say we are on a modification plan and we are current, your records are n't correct. We are frustrated with the level of service received and are n't sure what federal programs monitor the servicing companies for FHA loans
Reference : Ally Bank Case # XXXX -- XX/XX/XXXX -- Spoke with Ally Bank Rep regarding incorrect monthly interest payment based on my current annual interest rate of 1.5 %. I was told that in 10 business days I would receive the interest payment, in arrears, from XX/XX/XXXX.
-XX/XX/XXXX-I followed up with Ally Bank Rep since I had not received the interest payment in arrears. I was told that nothing was done, but that it would go out this day, XXXX, at Ally 's expense, and that I could call back after mid-night for a XXXX XXXX tracking number, and that I would receive my check in 3-4 days.. 

-- XX/XX/XXXX-I followed up again to obtain the tracking #, but an XXXX Supervisor said  the recalculation was in process and that there was no tracking number yet. 
I was also told that I would be contacted by XXXX within a day with an update as to tracking number and check amount. 

-- XX/XX/XXXX-No update received
I 've been trying to refinance my loan with Nationstar Mortgage for about a year. I 've put in a request on their website several times, only not to get a response. Finally, I called the XXXX number for Nationstar Mortgage. I finally spoke with someone that took my mortgage refinance application online. I was n't charged an application fee or no upfront charges. I have a XXXX credit score with excellent income, over $ XXXX a year. The current loan is an adjustable rate loan and I was trying to refinance to a fixed rate loan. At every junction, it seem as though they were n't interested. I 've never been late on the loan in XXXX years, so they have no incentive to refinance, because it 's in their best interest to leave the rate as is. But, after several conversations with XXXX XXXX XXXX XXXX, I began to feel like I was purposely being discriminated against. I have audio recordings of our conversation that suggest such as well.
They are inquires on my credit report that I do not recognized. Never authorize or given my signed signature for my credit to be acces by these creditors. Wrote all these creditors XX/XX/XX/XX/XXXX, XX/XX/ XX/XX/XXXX and XXXX XXXX, XX/XX/XXXX and requested that they provide document with my signature and reason they accessed my credit report without my written consent. None of them replied back. This is frustrating and each day I loose sleep. This ordeal is affecting my marriage. Im the small guy and nobody care about my concern.
Advance Title and Loans out of XXXX Idaho has verbally abused and threatened my client on numerous occasions. The collection manager has stalking tendencies and has harassed the client numerous times to collect a debt including over twenty phone calls and or texts in a one hour time frame. In addition she continues to make allegations of non-compliance against her and broke into her credit counselor 's place of business.
My mortgage servicer sent me escrow analysis and notifiedme XXXX/XXXX/15 that escrow was increasing. I reviewed it and itwas incorrect. I called them and they agreed and were torecalculate it. They have not, and it has been a month +In the meantime, I get a cancelation notice from myHomeowners! Called them, they said they are sure it wassent! I called Ins. company, they said to have them callthem. I called Ocwen back, they said they do not call ins. 
companies. Called Ins back, they said XXXX, they do all dayCalled Ocwen back, they put me on hold for 45 min. Thencame back and said, oops, you we mailed to wrong addrss '' I still do not have the revised escrow analysis ''. I can not trustthis servicer at all! Terrible, service.
I signed up for a new Paypal account today. At the end of the sign up, the screen prompted me for the last XXXX digits of my social security number and had a button to click next to it. This appeared to be the regular process for creating the new account. The next page said I was approved for {$1500.00} in Paypal Credit. I immediately called the XXXX number to customer service to see how this happened. They told me that when I entered the last XXXX digits of my SSN and clicked on the button, I agreed to sign up for their credit service. I did n't see anything on the page about Paypal Credit until after I had been approved. It was very deceptive. They closed the credit account over the phone but said there was nothing they could do about the hard inquiry on my credit report. They said I could write a letter and fax it to Paypal Credit to request they remove the inquiry. This entire process was deceptive and confusing. It appears that you must fill your last XXXX digits of your SSN to sign up for Paypal, but what you are really doing is signing up for Paypal Credit.
The account for Child Support was placed in collections in the year of XXXX, I have filed multiple disputes and written letters with TransUnion and the account continues to reage. Now its showing on the report as closed but negative it was closed then replaced back on report with late payments Therefore this account should have been removed no later than XXXX.
Tried submitting a dispute online with Trans Union but the online system wo n't complete the dispute. Trans Union deleted XXXX hard credit inquiries and then put them back on a month later causing a major raise and then lowering of my credit score with Trans Union.
In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX, the vehicle was sold for XXXX which was a total of XXXX. this should immediately be removed from my credit report. it is the responsibility of both the credit reporting agency and the business to remove this from my credit in a timly manner.
batting ID theft for more than 7 years no will give me credit or help filed with ftc, police and cfpb and hippa