WillisBack/dataset-financial-user-claim huggingface dataset:
On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.
They not only THREATENED to sue me on debt that is too old to be sued on, THEY IN FACT DID. XXXX XXXX XXXX, XXXX and their attorney XXXX XXXX ( XXXX, CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account XXXX had purchased that was originally a credit card from HSBC XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices, harassed me in XXXX County Court in Colorado, and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices, and if I did n't, they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact, they almost got away with obtaining a judgment against me, illegally so, except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA, and fully believe they can bully monies by their `` gangster-like '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers, out-lawyering consumers, and willfully and wantonly ignoring federal and state debt collection practice acts and laws that are in place to protect consumers.
I applied for an apartment at XXXX but my application was denied for an apartment. I received a letter stating I was not approved. The apartment complex is saying I owe administrative cost because I was approved and did not move in. I have forwarded the debt collector my letter where I was denied and they continue to try to collect and the apartment complex wo n't remove the debt either.
I opened an Everyday Checking Account with Wells Fargo on   XXXX     XXXX , 2017 ( with an opening deposit of {$50.00} ). I did so with the promise that were I to meet certain conditions I would receive a bonus of {$250.00} ( see attached documents ). The conditions were that I direct-deposit more than {$500.00} into the account and that I make more than 10 purchases with my WF debit card -- -both actions to be taken within 60 days of account opening. As can be seen from the attached statements, I indeed fulfilled the requirements within 60 days of my application. Given my performance of the terms of the agreement under which I opened the account, I should have received a bonus of {$250.00} well before the date of this complaint (  XXXX - XXXX -2017 ). Lamentably, I have thus far received no bonus.
I received a bill from this company LVNV Funding regarding a debt, they are contacting and stating to file judgment against me in 30 days and I can not recall having this debt! How old is it? And who are they?? I reviewed my credit report and the debt does not appear on it!
The whole series of events transpired when we signed up to training with a company ( XXXX XXXX ) who subsequently been taken over by FTC for in appropriate operation of the business and we were mislead by XXXX when we signed up and made the necessary payments in to thinking we could get what was promised to use, which was a business model that was taught, mentored and created for us providing we paid for it. 

Unfortunately XXXX had lawsuit filed against it by the FTC and was taken over and shut down of all its assets and operations ( Please visit website following this link ) - XXXX XXXX XXXX We paid the following amount for each course : Home Business Summit ( XXXX XX/XX/XXXX XXXX {$490.00} By Debit Card XXXX XX/XX/XXXX ( By International Bank Transfer ) TIT/PLA Combo -  {$26000.00} The Home Business Summit XXXX - {$490.00} Inner Circle - Diamond Annual XXXX {$2300.00} Diamond Mastermind - {$30000.00} Sub Total - {$59000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Accelerator Mentorship - {$24000.00} XXXX XX/XX/XXXX ( By International Bank Transfer ) Outstanding amount : Accelerator Mentorship 1 {$480.00} Total {$85000.00} We have asked FTC to ask XXXX XXXX to reimburse us and we have not had a response from any party involved with or associated with FTC or XXXX XXXX Our bank where we conducted the payment of funds via card and bank transfers say that they are not responsible with this there for can not accept out claim or follow it through. 

Our Contact details are : Mr XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX
When using the www.annualcreditreport.com website, Transunion link only offers a " sign-up '' for {$1.00} for use of the website. 

Pasted web page ; TransUnionFree Credit Score & {$1.00} Report Unlimited updates to your TransUnion credit score and monitoring Email alerts of any critical changes to your TransUnion credit Personalized debt analysis and credit trending Up to {$1000000.00} in Identity Theft InsuranceGet my ScoreDo n't worry, checking your score wo n't lower it. 

Offer Details : Your FREE TransUnion Credit Score & {$1.00} Credit Report are available as part of a XXXX-day trial of our subscription-based credit monitoring service. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed at the low cost of only {$17.00} per month ( plus tax for NY residents ). 

XXXX Get Your TransUnion Score 3 Achieve Your GoalsGet my Score
I was told to send in my bank statement so they can see that I check did clear. I sent my information on XX/XX/18. I was told that they were going to garnish my bank due to a returned check on XX/XX/18 and I made a payment on XX/XX/18 to make up for that payment. So I was sending my statement to avoid garnishment. I called XX/XX/18 to check on the status of not having a garnishment because of this returned payment because I sent a cleared one. XXXX a representative stated that I had a garnishment on my bank account since XXXX of XXXX. Because I made a payment of XXXX and another one for XXXX. I have been sending in payments. I did not know of any garnishment until XX/XX/18. I told XXXX she did not know her job. I wanted to avoid a garnishment so who can I send the payment to? She stated that my bank is going to be garnished anyway so no point to send a payment. XXXX than called me right after I hung up because she felt the need to harass me at XXXX XXXX pm. After I hung up on her. Why garnish my check when I have been making monthly payments. I know it is unfair. Fenton Law Firm sent me a notice XX/XX/18 stating that my check was returned if my attempt to make this payment give them a call. I called XX/XX/18. To resolve this situtuation.
We bought a new house in XX/XX/XXXX We began paying our mortgage in XX/XX/XXXX. In XX/XX/XXXX from our escrow statement our taxes changed a little. We continue to pay our mortgage on time ( also about {$400.00} extra each month towards principal ) until now. Today a received our escrow statement and our escrow account is {$12000.00} short. I have no clue how it could be this short. There is now way we can come out of pocket for this amount at this time. They also gave us an option to spread it out over the next 12 months but that is also impossible as it would double our monthly payment. Someone clearly estimated our taxes and we now have no way of paying it. If it would have been correct from the beginning we could have been paying the correct amount each month and not be in the unfortunate situation.
Hi, I have been called American Express reward card service to add 2 additional card holders in mid XX/XX/2018. I have been informed that upon adding them via phone I will be getting the card for them and XXXX points for each card holders. I have been provided personal information of my parents including passport numbers. After several weeks the cards did not arrived and I called back. I have been told that there was no audit trail of my request and this was confirmed also after an additional investigation. None apologise or try to solve the issue. It is so scaring that I have provided Amex with personal information and none recorded the call or the request. I am really scared. this is not the way my data or the data of my parents should be used.
XXXX of XXXX complaints regarding same company. ( SLS recently purchased XXXX of our mortgages. ) Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!
I divorced in XXXX. A home was settled in divorce through XXXX XXXX XXXX as my ex-husbands. He did not pay the debt. XXXX mortgage was XXXX, XXXX was Capital One. House was sold in Sheriff 's sale. In XXXX, I received a call from XXXX XXXX to " settle '' the debt which was previously Capital One 's, the XXXX mortgage. I " settled '' with XXXX XXXX for {$28000.00} on XXXX/XXXX/XXXX. Capital One has NEVER acknowledged that the debt was settled. It is my understanding based on my personal research, that it may have went to XXXX from Capital One then XXXX XXXX bought it from XXXX Capital One has continued to say I owe them the full amount yet they can not seem to provide any records or trail of what happened to the debt. I hired an attorney as Capital One decided to start putting it on my credit report in XXXX I think and would n't work with me towards resolution. 3 days after my attorney contacted Capital One, they sent a letter to me saying the account would be shown as " closed '' now. I thought this meant it was resolved yet now Capital One has sent me a XXXX for the full amount of {$44000.00}. I ca n't file my taxes now until this is resolved and they will NOT return my attorney 's call.
I paid a bill using " bill Pay '' through my local bank checking account. The bill was to the XXXXXXXX XXXX XXXXXXXX for {$150.00}. This was a utility bill payment to the XXXX XXXX XXXXXXXX, OK. The bill pay check was printed and mailed but stolen during the mailing process. The stolen check was then cashed at a Chase Bank even though the check was clearly made out to the XXXXXXXX XXXX XXXXXXXX. Chase has decided to not share ANY information regarding the check cashing transaction. 
Date of stolen check : XX/XX/XXXX Date stolen check was mailed : XX/XX/XXXX Date stolen check cashed at JPMC XXXX XX/XX/XXXX I have filed a police report. 
I have filed an electronic debit dispute with my local bank. 
My complaint is with Chase Bank carelessly cashing a stolen check clearly made out to a municipallity and should immediately reimburse those stolen funds.
I have unsubscribed from all marketing and commercial emails from XXXX. However, they sent me a commercial email today with no option to unsubscribe.
It all started when I applied for a modification, I had not been 30 days late on my mortgage in over 2 years plus. On XXXX XXXX I spoke with my relationship manager XXXX and specifically asked if I needed to make my XXXX payment he said NO due to the fact that I had been approved for a loan modification and the trial period was going to start XXXX XXXX, I said to XXXX again are you sure that I will not be reported late to the credit bureau because I 'm a stickler for my credit, and XXXX said yes, you will not have to pay until XXXX XXXX. XXXX Ocwen Mortgage reported me late for XXXX as 30 days and my score declined on my credit report by XXXX points on my XXXX credit report. I contacted my relationship manager XXXX upset about the bad report and the dropping of my credit score, XXXX informed me to see a copy of my credit report showing that Ocwen had reported me late because his recording was not showing that, XXXX asked me to submit the information to the Research Dept, I faxed the information over on XXXX/XXXX/XXXX. I received a letter from Ocwen dated XXXX/XXXX/XXXX stating that I had not paid my XXXX XXXX payment. I called XXXX on XXXX XXXX disputing this and he said that they would have to pull the call to see if he had informed me that I did not have to pay XXXX & XXXX payment. XXXX XXXX XXXX agent ID # XXXX informed me that I would have to make XXXX & XXXX payment when I called in around XXXX pm to check on the status of correcting my credit report. I received another letter from Ocwen dated XXXX XXXX, in forming me that they made a mistake and that they would be correcting my credit with the credit bureau as paid as agreed. On XXXX XXXX, XXXX I was reported once again as 90 days late and my credit score dropped by XXXX points this time, which affected me from applying for a refi, and credit line increase in which I needed for my parent XXXX XXXX anniversary, and one of my credit cards decreased my line of credit. On XXXX XXXX I called in and spoke with agent ID # XXXX around XXXX am and told her the spill on everything and she stated that she did not see that Ocwen had reported me 90 days late her records was showing me current, then she asked me to fax over a copy of my credit report that was showing late I refused because I had just gone through this and mentally and physically this was affecting me, I then and asked for her supervisor. Supervisor XXXX XXXX agent ID # XXXX took over the call, and told me that they had to report me late, and I said to him I have a letter stating that I was not late and my relationship manager told me that I would not be reported late. I explained to XXXX that I was a supervisor and this was taking me away from my job as well as employees, he then wanted someone as to join the call but they could not get on the call, I decided to end the call, before we hung up the supervisor stated that once the modification period was over and I had not been late that they would then correct my credit to current. NOT HAPPY
On or about XX/XX/XXXX, I discovered that my credit card has been fraudulently used and taken, so I reported to XXXX  and that I had never used this credit card since XX/XX/XXXX, and the person who used my card was making payments on time. However, the credit card was maxed out to the limit, I found out when i tried to get a loan and was informed that i had my XXXX card maxed out, however with no lates, just that it was a debt ratio ( high ).  XXXX then issued a new card, but I'm still seeing that neither the credit bureaus nor discover seem to do anything about it or remove that from my credit. I do have a police report that I submitted to XXXX  investigation dept, and up to present nothing been done. I just want my credit profile back, please assist
I sent letters, along with my identification, and a Federal Trade Commission Identity Theft Affidavit to the 3 major XXXX, TransUnion, and XXXX on XX/XX/2018 and XX/XX/2018 asking that they remove or block all accounts and inquiries that were showing as a result of identity theft.
I am a victim of identity theft. I am filing this complaint to request that you block the following fraudulent information from my credit report : The 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 and XXXX XXXX XXXX XXXX XXXX XXXX This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report.
submitted my retirement check to bank through mobile deposit next day funds were available. XXXX afternoon, funds were put on hold due to orginator returning check ( XXXX ). Called massmutual who said check was fine. Called wellfargo back and did conference call, massmutual could n't find any reason for return. Well fargo placed funds on hold for XXXX days. Started paying bills and now bouncing.
I opened a 1-year certificate of deposit with XXXX XXXX The account was opened online even though I lived in XXXX. In XXXX, we received a letter reminding me that the CD was about to mature and I needed to take action to receive my money back, otherwise it would roll over into a new CD. I called the number listed on the letter to ask to withdraw money but was told I had to go into a branch to receive the funds. I told the adviser that I had moved 6 months ago and getting to the branch would take a 2 hour drive. I was told that there was no way I could get my money without driving to a branch and no further assistance was offered. I called back 4 times over the next few weeks and no one seemed to be able to help me. I am sure I am not the only person who has moved away from the XXXX area. I was directed to call a branch and they directed me back to the call center. This happened multiple times. Finally, in XXXX, I was given an address in Rhode Island to mail a letter to that would authorize the money to be returned to me without going to a branch. I mailed the letter and about a month letter, I was told that I missed the 10 day window to withdraw the funds. I missed the 10 day window because no one knew how to help me. I was told to either pay {$50.00} or wait until 14 months to get my money. This is not fair - please help!
I began writing letters to the credit bureaus and specific creditors reflected on my credit report beginning in XX/XX/2017. I believed items on my credit report reported inaccurately an not in compliance with the FCRA and FDCPA. The accounts in question are Capital Accounts LLC, XXXX XXXX XXXX and XXXX XXXX.
I purchased a new Cadillac Escalade in XXXX of 2006 and took out a loan through GMAC. The loan was paid in full, see attached title and pink slip but Ally Financial,. who bought GMAC, is showing on my credit report an outstanding balance of {$4200.00}
XX/XX/XXXX, I received my annual escrow account disclosure statement. On the statement I was notified of a XXXX increase in my monthly mortgage payment. The statement references a current negative balance and 12 month payment plan to bring my escrow into a positive balance. 
When analyzing the reason behind the increase in monthly due, I discovered that payments made in XX/XX/XXXX were higher than what they should have been. The account history indicated that no payment was made in XX/XX/XXXX when my county taxes are typically due. However they list two ( 02 ) payments made in XX/XX/XXXX for the normal amount ( {$2300.00} ), and a third payment to county taxes in XX/XX/XXXX for the amount of {$2500.00} ( a {$230.00} increase over normal taxes ). According the country website that tracks taxes on every property, a late fee was charged to my account for XXXX for an unexplained reason. 
I wrote a Error Resolution Notice on XX/XX/XXXX and received a response letter dated XX/XX/XXXX. In their response they admitted to inadvertently paying an extra XXXX from my escrow account. However, they also indicated that this affair is my responsibility as the escrow disbursement form I signed indicated no payment due till XX/XX/XXXX. While this is technically correct, what is missing from their thorough Investigation is that their company financed the XX/XX/XXXX taxes into my home loan. The money was financed with the explicit purpose of property Taxes Parcel # xxxxxxx EST to XXXX County Recorder. Further, {$1200.00} was financed with the purposes of frontloading the escrow account for the XX/XX/XXXX tax and Hazard insurance payments which was to be paid in XX/XX/XXXX as agreed per the afore mentioned disclosure statement. 
A phone conversation was conducted with an Official at the XXXX County Treasurer Office on XX/XX/XXXX.  During this conversation he confirmed all taxes paid on my property. He also confirmed that all tax payments in XX/XX/XXXX,  prior to my refinancing with loan care, were made on time for that year ( XX/XX/XXXX and XX/XX/XXXX in the amount of {$2300.00} ). He then confirmed that no tax payments were received after XX/XX/XXXX until the 3 payments were made in XX/XX/XXXX/XX/XX/XXXX. This means that the {$2400.00} that was financed for the purposes of paying my taxes was never sent to them as intended. Since there is no record of it being placed into escrow or back into my account. I must assume that Loancare has misplaced these funds. 
The XXXX County official also stated that the refund was noted in his records as sent to Loancare on XX/XX/XXXX.  As of the date of this writing ( XX/XX/XXXX ), no funds have been shown to have been reimbursed to my account. So they have either misplaced the refund, or have taken an abnormal amount of time to credit and fix my account. 
It should also be noted that this refinance was done through Loancare to refinance a loan held by Loancare. No other companies were involved.
I requested a validation of a debt verbally from Hunter Warfield on   XXXX   XXXX  , 2017 regarding a debt that I noticed on my credit report. I also requested a validation of a second debt from Hunter Warfield on   XXXX   XXXX  , 2017 both verbally and in writing. In both cases, I requested that Hunter Warfield cease and desist collection activity during a 30 day period while I investigate the debt.
I received further information from Hunter Warfield regarding the first matter, which is currently under dispute in writing. A complaint has also been filed with your agency regarding to this debt. I have not yet received a validation of the second debt. However, today I received a debt collection call from Hunter Warfield despite my statements to Hunter Warfield that collection activity must cease and desist during the investigatory period of 30 days ( which has not expired ).