WillisBack/dataset-financial-user-claim huggingface dataset:
The Weinberg Mediation Group called me about a debt that I owe. I told them I needed to talk to my wife about the settlement offered and would call back. LESS than 40 minutes after speaking to XXXX XXXX, she called my wife with a very demanding tone asking for our debit card information. My wife asked her to verify the debt and provide the settlement in writing, XXXX XXXX refused to do so. She stated that the debt had to be taken care of right then. My wife told her she would call her back. The next day after my wife and I talked, my wife called back and left a message to pay the offered settlement. No one called back. XXXX XXXX then called her back on XX/XX/XXXX while she was driving. My wife told her it wasn't a safe time and they agreed that XXXX XXXX would call back on Saturday while she was in the office. On Saturday XX/XX/XXXX, XXXX XXXX did call back but at XXXX and XXXX. These times go against our rights as consumers, given to us in the Fair Debt Collection Practices Act. My wife called XXXX XXXX back to let her know that she was ready to pay but that she was also going to file complaints with the proper offices. At this time XXXX XXXX refused to take payment and told my wife she would note the account and disconnected the call. My wife called back and asked to speak to a supervisor, she spoke to XXXX XXXX. XXXX refused to answer my wifes question about the law regarding the times a creditor can call. He also refused to take payment for the settlement and disconnected the call. We would have liked to have settled the debt today. But we also feel that this " agency '' has handled themselves unprofessionally and has broken more than 1 of the Acts protective features for the consumer. And they have refused to take our payment for the settlement of the debt at this time, once we stated we would be contacting the proper offices about their wrong doings.
I have checked my credit and do not show any balances in this amount, and do not know of any accounts that are past due with this amount. I have no Idea of what this is.
I made an online purchase using my very infrequently used PayPal account. I thought that the charge would immediately come out of my bank account. Instead, PayPal defaulted the amount to their Bill Me Later credit that they extended to me. Looking back at the e-mail account I use for services like PayPal and online retailers, I see they messaged me on XXXX XXXX before they charged me interest and a late fee, but did not message me again when they actually did charge me. I did not receive a message about a statement or the charges until XXXX XXXX when they called me with a pre-recorded message which was after they issued the charges. I have begrudgingly paid the fees since they only amounted to just over XXXX dollars, but the fact that PayPal automatically put the money onto the credit line, without any clear indication that it was doing so is frustrating to say the least.
In 1996, XXXX I was a first time home buyer and I was forced to pay PMI because I did not have enough money down. The address of my house is XXXX XXXX XXXX XXXX XXXX ca XXXX and the lender was American Corporation.
XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.
I have historically found XXXX to be very unresponsive to any questions i've had about my loan and found their interest rates to be excessively high, so in XXXX of 2018 I refinanced my student loan with another servicer. The balance on my account was paid off, and yet on XX/XX/2018, XXXX continued to autodebit my monthly payment of {$180.00}. My XXXX account currently shows a negative balance of {$180.00} ( yes, {$9.00} more than what my autodebit charge was ). I sent them a message asking how and when they would refund me this negative balance and to confirm that the auto payments would be discontinued. Because my account is paid off, I don't have access to all the normal features on my online account ( for instance, i can't see my payment history to confirm when the balance was paid off and became negative, and I can't access the autopay settings to confirm whether it's still active ). I have messaged them twice and not received any responses other than some automatic email responses with some " FAQs '' ; the auto response didn't even say that someone would respond within 24 hours. It has been almost a week and I have not received any formal human response or confirmation from XXXX. I have spent an inordinate amount of time trying to get in touch with them and find it impossible to get a human response ( I shouldn't have to spend hours on the phone during my work hours trying to fix their mistake ). I just want my money back and to make sure that they never try and access another cent from me.
I asked to apply for XXXX for my private loans since my federal loans were dismissed and they customer service from Navient stated he would send me the documentation to fill out. Since that call I have not received any letter. Just been receiving continuous calls from XXXX to XXXX Monday through Sunday on multiple numbers. When I spoke to one representative I guess they do n't annotate the call and I get atleast 8 to 10 more calls after. Another issue is that they have n't sent me the paperwork I requested and said that the XXXX paperwork will be DENIED automatically. This harassment must stop I told them many times if I could work to pay it off I would but I am a XXXX veteran who is still dealing with medical issues.
My wife used to send money to XXXX. she died XXXX 2015. I continued to send money but did not delete her name or add mine. requested refund of XXXX due to non contact of recipient. Faxed copy of death cert, XXXX forms of gov id and notarized signature. WU req Letter of Probate. Assets devolved to me and probate not necessary and did not occur. My wife died in XXXX and could not have sent money in XXXX. Common sense should prevail.
Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
<P/>
Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
There is an acct. Listed as being " open and in collection '' on my credit report. The collection company is XXXX most and they list the original creditor as XXXX XXXX dvd. I have never done business of any sort with XXXX XXXX dvd, in fact I have never even owned a dvd player. The claim that I owe them money is completely erroneous and should be removed from my credit report.
In XX/XX/2015 I called Bank of America to start the process of modifying my 2nd mortgage on my principal residence. By XX/XX/2015 we had reached an agreement on a modified loan and payment that worked for me. During this process I was told by my account rep. ( XXXX ) and another acct. rep ( who I did not get her name ) that because I did not payoff the loan amount of $ 500k which matured on XX/XX/2015, to keep making the interest only payments on time, but they would be counted as late payments since I did not payoff the loan in full. They also said that once we get this loan modified that Bank of America would go back and clear up and remove all of my " late '' payments. I trusted what they told me, but now that I have done what was asked of me ( to make the 3 trial payments ) they now are telling me that they do not do that. They will not remove the 39 late payments off of my credit report. I feel like I have been mislead and lied to by Bank of America. About 30 days after the loan was modified I called BofA and the rep at that time said to give it more time for them to do that, and now I am being told they just do n't do that.
The debt reported does not belong to me. The debt belongs to a business in which I have never been a manager or owner and can in no way be held liable for such debt nor should it affect my credit report. 
XXXX has no responsibility over the debt of XXXX. My credit report and score should not contain collection accounts belonging to a business of which I am not an owner or manager and by no means responsible for its ' debt.
We applied for a XXXX mortgage through XXXX in XXXX it was transferred to Ocwen. We paid the loan off in XXXX XXXX. The initial loan was for a property on XXXX XXXX XXXX in XXXX, OH XXXX in XXXX in XXXX we requested if we could move the loan to a new property we wanted to purchase. the address was XXXX XXXX XXXX XXXX, OH XXXX. The loan was paid off on the home on XXXX XXXX For some reason Ocwen Acct # XXXX phone # XXXX sent the mortgage to a collection agency 2 months before we paid the loan off we had never been delinquent on any of our payments. They did n't release the loan to the county when it was paid off. When we contacted them to release the loan they kept sending us back to the collection agency. At that time we contacted your organization to clear the loan off of the property. They complied and released the loan. 
The reason why were contacting you again now is we are trying to do a deed in lieu on the property on XXXX XXXX. The mortgage company is XXXX mortgage Acct # XXXX our contact person is XXXX XXXX XXXXXXXXXXXX. She is trying to clear the title of the property to finalize the deed in lieu. She has found Ocwen opened a second loan when we transferred the mortgage from XXXX XXXX XXXX to XXXX XXXX so it looks like we took out XXXX loans on that property. When I notified them of this the person I talked to at Ocwen which I did n't write his name down on XXXX XXXX at XXXX did n't start a ticket to figure out the problem so I waited until yesterday XXXX XXXX at XXXX I spoke with XXXX operator # XXXX she said she would look into it and call me back this morning with more information, she never called. 
The email I received from XXXX XXXX stated the record release we recieved from Ocwen was recorded incorrectly or was not the correct release. The release we need is book XXXX page XXXX and was recorded in XXXX for {$35000.00}. The release they provided was for mortgage from XXXX with book XXXX page XXXX for {$35000.00}. I did forward this email to the male on XXXX XXXX but obviously nothing was done with it. XXXX emailed me yesterday telling me to file another complaint with you. The deed in lieu is in jeopardy of not being finalized. I need your helpThank You XXXX XXXX
This debt is from XXXX XXXX and I do owe for one last month of service, nothing more than that. 

I received a letter from a new collection agency called Diversified Consultants, Inc., explaining that I owe a much larger sum and also added a " Collection cost '' to the balance.
Euqifax shows my mortgage with XXXX as being resolved/included in bankruptcy : it was not ; is still current today with 3 plus years of perfect payment history. Also, had XXXX other small loans successfully through XXXX in last 3 years that are not on the report. Also shows XXXX XXXX credit card account as being resolved in bankruptcy. It was not, and along with another XXXX XXXX credit card, and XXXX other credit cards, are not listed with their perfect payment on-time history.
MY BANKRUPTCY SHOWS THAT IT WILL COME OFF MY RECORD ON XXXX MY BANKRUPTCY STARTED IN XXXX SO IT SHOULD BE DISCHARGED XXXX AND ALSO IT SHOWS 2 SEPERATE BK ON MY REPORT AND ALSO I PAID ALL DEBTORS OF BECAUSE MY BANKRUPTCY BACKFIRED
I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.
we are the XXXX ; on XXXX we ( XXXX ) found XXXX XXXX usages in XXXX, XXXX notified the bank of America branch office here in XXXX, XXXX. they removed XXXX. then there was {$60.00} with draw on same day after they canceled all cards. next, they move deposits after they subtract money from account. makes XXXX overdrawn. when you look again the transaction are gone.correct this and return all monies back.
I am repeatedly being called by Nationwide Recovery. The preliminary call is a robo-call asking to return a call to XXXX. I have received these calls 1-2 times per week for several months. On 3 occasions I have called back to speak to a representative. In each case I have been informed that they have no debt associated with me. On one occasion I asked to speak to the supervisor. I was transferred to a voicemail and left a message explaining my situation and my concern that I was being harassed. I left contact information to get back to me to discuss my concerns. I was never contacted by the supervisor, however, the robo calls continue.
Nationstar is my mortgage servicing company since home purchase XX/XX/XXXX. I escrow my taxes and insurance and have done so with no changes in HOI company or escrow status since I purchased the home XX/XX/XXXX. This year my XXXX renewal was due XXXX/XXXX/XXXX and nationstar failed to make payment on my homeowners insurance. The policy lapsed as payment was not issued until XXXX/XXXX/XXXX and not received by XXXX until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX i recived a letter from Nationstar regarding forced placed insurance. When I called I was told my HOI had not been paid this year. I ESCROW MY HOI WITH THEM! After escalation I was told the reason it was not paid was they did n't get a renewal. They also said the only attempts they made to get the renewal were the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My policy lapsed on XX/XX/XXXX and they made no attempts to obtain renewal or make payment on my HOI after the 2 calls to my insurance agent on XX/XX/XXXX and XX/XX/XXXX. My HOI had not changed, same company they made payments to in prior years. They never called XXXX to get renewal and didnt notify me until the forced placed letter arrived on XX/XX/XXXX. When i called them XX/XX/XXXX they advised payment was issued XXXX/XXXX/XXXX. That was a lie! Payment went out on day of call XX/XX/XXXX ( regular mail ) and was not received by Acuity until XX/XX/XXXX. There was nearly a 1 month lapse in my HOI coverage due to Nationstar 's incompetence.
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXX verification that you utilize is faulty ...
XX/XX/XXXX18, XXXX XXXX XXXX XXXX contacted my spouse gave him specific details on my account, such as lack of payment, non payment dates, threats to shut his card off, My spouse is not on any of my accounts nor am I on his. When i spoke to rep she continued to talk over me even after i informed her of bankruptcy. calls. Would come form restricted numbers several times daily.
I called to get information on my account and a woman by the name of XXXX Extension XXXX decided she wanted to have an attitude and yell and get smart with me. I asked her what her name was and she proceeded to say her name was XXXX, she then said " XXXX XXXX '' and hung up in my face.
There is some hidden fees that I was not aware of. Instead of rejecting invalid and unexpected transactions, bank has processed and charged me for those transactions.
In XX/XX/XXXX XXXX XXXX located in XXXX XXXX informed that they were closing the bank for good and that I would have to call in order to close my account and retrieve my funds. I contacted them several times until they finely sent me an online document to sign in order to retrieve my funds. They told me that a check would be mail within 10 days, but I never got the check. I contacted them again in XX/XX/XXXX and received the same answer that they will have someone call me. So I waited until XX/XX/XXXX and called them again and got the same answer. In XX/XX/XXXX they finely told me that a check was sent out and cashed. I asked them what address the check was sent to and who cashed it, but they refused to tell me. They told me that they would be issuing another check and that I would have to contact the fraud department. When I asked to be connected to someone in that department, I was hung up on. after making several more calls over the month I decided to contact the Attorney General Department. To this date, I have not received a copy of the cashed check or been contacted by XXXX XXXX.
This fraudulent company ( XXXX XXXX XXXX  ) calls repeatedly, using an application to go directly to voicemail, and leaves a threatening message regarding an unspecified debt. When you attempt to call them, they refuse to answer any questions or remove the number from their calling list. They instead threaten you further and then hang up. They're just trying to scare people into giving them money with phony claims of debtors prisons. 

I kept calling back every time they'd hang up on me, they ironically threatened to report me for harassment. However, eventually they agreed to stop calling if I agreed to stop calling them. Give them a taste of their own medicine, and mention this bureau, they crumble like a dry cake.
I have a loan with this company that is violating Arkansas usury law by charging an interest rate that is above the cap. I will like to pay off my balance but at the legal interest rate. I have tried to contact them get the changes made. They refused to help.
Equifax data breach on X/X/17. Listed as potentially impacted causing me to take time to take preventative measure against identity theft.
Since I opened my account with synchrony bank last XXXX They had a clarical error on my last name and I was n't receiving any bill that was n't certified mail Since XXXX iv been asking them to change my last name so the post office would deliver my bill so I could rightfully pay the payments They have refused to I finally talked to someone today on XXXX Who would look in too it but at this point I 'm so frustrated that they could n't take care of it months ahead when I initially asked
XXXX   XXXX   Bridgecrest received a certified payment from me in the amount of {$300.00} attached to the payment was a contract written and highlighted that stated : Accepting and applying this payment your company agree to remove ALL LATE PAYMENT REPORTED TO THE  XXXX  CREDIT REPORTING AGENCIES T  XXXX   XXXX   XXXX   XXXX   The payment was applied and accepted I also received and email confirmation thanking me for the payment as well. Since applying the payment under the term noted on the money order payment BridgeCrest has yet to honor the terms of applying the payment. I am requesting that ALL (  7  ) LATE PAYMENT REPORTING BE REMOVED FROM MY REPORTS.
In  XXXX  I opened  XXXX  accounts with Wachovia Bank ; a checking and a savings account. I also used the free safety deposit box offered. Sometime between   XXXX   and  XXXX , the checking account was closed although the savings account stayed at over {$1000.00}. I did not use the bank during this time. The  XXXX   XXXX  Bank took over  XXXX  and my savings account persisted and I received notices every month but now I find that they confiscated my checking account. I recently had to reopen a checking account and the bank tells me my money is lost.   I want it back. It is not as if they did n't know where I was. They were dealing with me all of that time and they had my property until late  XXXX   XXXX .   Checking account Routing # now  XXXX  Checking account Routing # then  XXXX  MY  XXXX   XXXX   XXXX   XXXX  was  XXXX   XXXX   XXXX   XXXX   XXXX  MD  XXXX  Address is  XXXX   XXXX   XXXX   XXXX   XXXX  WA  XXXX  ( moved  XXXX / XXXX / XXXX  )
After reviewing my credit file I have come across information reported from Department of Education/Nelnet that is incorrect. On XX/XX/XXXX I spoke with XXXX at NelNet Department of Education and was informed that all my accounts were current in the amount however an account in the amount XXXX and XXXX has never been late because it does mot exist.XXXX also stated that NelNet has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed.XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and XXXX and they both informed me that these 2 account never existed however the ones that I do have are current and never been late. Yet all 3 credit reporting agencies are still reporting this inaccurate and based on XXXX and XXXX fraud info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6500.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans do not exist or could be a result of identity theft as I have been a victim of.
I filed a complaint against PayPal with CFPB in XX/XX/2018. I received a letter today stating that they issued credits to my account on XX/XX/2018 for XXXX XXXX dollars and XX/XX/2018 for XXXX XXXX dollars ; which are not true. I checked with my bank, XXXX XXXX and they confirmed there were no credits issued for the unauthorized transactions that occurred on my account by hackers and fraudters they have on their platform. PayPal allowed almost eveleven thousand dollars to be sent to a person in the XXXX for donations which I never approved as I live in the USA and have no idea who would donate that kind of money to a total stranger in a different country in 5 uneven installments.
My home loan servicing company changed. The loan originated with XXXX XXXX  and was changed to Flagstar effective XX/XX/2018. I received a notice from XXXX, who has been my homeowners insurance company, on XX/XX/2018 saying that the mortgage company did not pay. Just now on XX/XX/2018 I called Flagstar to ask if they would be including my insurance payment when I start payments. I was transferred to their insurance department and phone rep., XXXX, who stated that they did not have knowledge of my loan and that they did not know when they would have it.