WillisBack/dataset-financial-user-claim huggingface dataset:
collection agency called my place of employment and asked receptionist to transfer them to my manager. Company proceeded to interrogate my receptionist until I was able to take the call. Once I spoke to the rep he yelled at me stated he was in process of garnishing my wages and filing a lawsuit unless I paid {$500.00} of a {$700.00} debts that is over 6 yrs old. If I did not agree to terms they stated I would be arrested at my job. I tried explaining that this was the first time I heard of this debt. Person continued to yell and when I asked for their name and name of supervisor I was told that I need to learn to pay my bills. I asked the rep to stop speaking to me in that manner and he continued to talk over me and yell. I explained that I had never been contacted on my personal phone and even provided number and rep continues to call my employer asking to speak to anyone who works with me. They also threated to call my HR director to tell her I do not pay my bills and start garnishment process. They even said everyone in my agency will know I do n't pay my bills. I got very upset and told person on the phone that I can not continue to speak to someone so disrespectful and hung up. The company kept calling me back and yelling at me. I have never in my life been spoken to this way. I am concerned as they stated they are calling back to speak to the head of my company. Company wanted me to set up payments of an amount I could not agree to and I was told " What is wrong with you? You ca n't afford {$70.00} bucks a month and you work. What kind of job do you have. '' At this point in conversation I declined to speak to them and hung up. they have since called my place of employment 3 more times in one day.
Debt is old. It dropped off my credit report after 7 years on XX/XX/2015. In Alabama it is 3 years for statute of limitations and it has been XXXX.
SLS servicer for loan XXXX is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on XX/XX/XXXX 2nd lien approval came XX/XX/XXXX ( received XX/XX/XXXX ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on XX/XX/XXXX. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. XXXX 's lender has had less than 30 days to do this loan and SLS is bulling us and threatening us to not let us close. We asked for an extension to XX/XX/XXXX but they gave to XX/XX/XXXX we asked for 2 extra days but they refused and sent a nasty email. Values are good for 6 months. Sls is sabotaging this closing because they have ego problems with in the staff. We are asking you to please get involved to help us get a normal extension period. 
Both approval letters are attached. as you know the buyers lender will not start the buyers loan until both approval letter are received by the short sale lenders. In this case the XXXX lien approval letter lagged by 11 full days so buyers lender could not start loan until XX/XX/XXXX. SLS Mtg. was told via phone conversation of the 2nd lien date of approval and are now Sls is refusing to help their investor close instead they would rather do a foreclosure. We need help please. 
Thank you
My ex wife has claimed this debt with XXXX XXXX XXXX ( where the debt originated ) and also with Senex ( the debt collector ). Senex continues to attempt the collect the debt from me.
Inquiries despute XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Cap one XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Last Friday ( X/XX/2017 ) I went to a Bank of America located in XXXX XXXX XXXX Florida. I asked to withdraw XXXX to make a purchase from a private party and the teller told me that I could only withdraw XXXX. I had over XXXX in my checking account. I let the teller know I 'm actually a Vice President for Bank of America and I 've never heard of such a policy. <P/>I would not keep so much cash on deposit at Bank of America if I knew that I could n't get it out when I need it. Someone brought me into a Merrill Lynch marked office after the teller said he 'd get someone to help me. I 'm a ML client so I was hopeful that the Financial Advisor would be able to help me but it turned out that I was talking to the Branch Manager who was illegally working out of a Merrill Lynch office which is clearly against Bank policy. <P/>The Branch Manager " XXXX XXXX '' told me he could only let me withdraw XXXX. I ask him to give me an explanation of why I can not withdraw my own money and he told me since I work for Bank of America I should know what the policy is. I vehemently protested to the idea of limiting my teller withdrawals and if this was the case it would need to be disclosed properly to the consumer. <P/>I asked to see this supposed policy in writing and the Branch Manager refused to show me anything in writing. I let him know that this was a major offense and a breach of contract that I do not take lightly. I asked him how to submit a formal complaint against him and once again he tells me that since I work for the Bank that I should know how to complian against him. <P/>I ended up withdrawing XXXX since I had no choice and I immediately called the Bank HR department to complain. Bank HR forwarded my call to XXXX XXXX XXXX XXXX who they claim is an independent 3rd party. I have good reason to believe that XXXX XXXX XXXX XXXX is actually a associate for hire that is paid to hide and even to suppress complaints. It has been 3 business days and I have still not heard back from either Bank of America or XXXX XXXX XXXX XXXX. <P/>I have been on a medical leave of absence for a few months and prior to going on leave I tried to report several compliance violations that I 've witnessed while working for Bank of America. I was treated very rudely by a XXXX XXXX XXXX XXXX Supervisor and I luckily have a recording of the whole 3 1/2 hour phone call since the first Rep. I talked to gave me her permission to record. <P/>At this point I have no choice but to seek legal action on behalf of all the other employees and consumers that are being wronged by Bank of America. I would like to hear from someone in your organization to discuss these matters in greater detail. I am hoping that the CFPB will be able to help bring light to these matters.
I opened a checking account of {$100.00} on XXXX/XXXX/2016 and savings account of {$15000.00} on XXXX/XXXX/2016 at Citibank in XXXX XXXX, California. In XXXX instances I used a check from my personal checking account at XXXX. XXXX cleared the same night. My XXXX checking account was debited by {$100.00} on XXXX/XXXX/2016 and {$15000.00} on XXXX/XXXX/2016, nevertheless Citibank only posted {$10.00} available in each case. I called customer service and also XXXX XXXX branch manager XXXX to let them know that my checks cleared and they needed to credit my Citibank accounts accordingly. Citibank placed a 5 days hold on my money. I did n't have the {$15000.00} in XXXX nor Citibank. This is plain fraud, they are profiting from this illegal hold. Please see cancelled checks paid the very same day it was written. Also see letter of explanation from Citibank. If Federal regulation require them to provide a notice if there is a delay in posting the money into an account it has to be TRUE. They ca n't tell me that the they are waiting for these items to clear because they cleared the very same day I presented the check to them. 
I hope that the CFPB stops Citibank from profiting illegally from customers. 
Thank you Attached : Cancelled check and Letter from Citibank
On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.
I had contacted a payday loan debt consolidation company, XXXX XXXX XXXX. My representative name was XXXX XXXX. The company sent out letters and I believe contacted Spot loan to cease all ACH debits and I revoked the withdrawal of payments from Spotloan. They sent a limited Power of Attorney. 

Spotloan continued to go into my account and my bank refused to do a reversal of payments. I have put a stop payment on my account. This left me in a worse financial situation. 

Since this time, I have cancelled my participation in XXXX XXXX XXXX and I have since learned that online payday loans are illegal XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX toll XXXX faxI have also filed a complaint with XXXX XXXX XXXX XXXX. Since XXXX sent a letter, they have sent me an email which I will attach.
XXXX XXXX XXXX XXXX I told them I know nothing about it and I told them take it off my Credit they refused to so I want something done about it
I had a complaint # XXXX. It has been closed but the issues have not been resolved, nor did I ever hear from anyone. I have a police report. Wells Fargo sent me keys to access my townhouse, but there is no keyhole to put the key in. The front door is sealed without key access. I still have things in the house, and they are aware of this. They leave messages that say, " I have resolved the issue. '' and then close the issue but they never speak to me nor do they resolve the issue. I have lost my XXXX license because I have tax information in the house that was stolen when they changed my locks and the rest is now locked in the house.
I have sent several requests to get my payments lowered and have been denied. They want me to pay XXXX a month and I only bring home XXXX every 2 weeks with XXXX children to take care of. So now I have to get back into college, take up more debt, because I cant afford these payments and it is stressing me out with every email that they send. I call on the phone and they just refer me back to the forms online. Then I didnt quality for the military discount because my loans are consolidated. But I completed the consolidation to have 1 low payment. So that means XXXX provided me with false information and I could have benefited from the military discount.
On Tuesday, XXXX XXXX, I received a new TransUnion credit score through XXXX that reflected a XXXX point fall from XXXX for XXXX XXXX to XXXX for XXXX XXXX. 

Alarmed, I pulled my credit report from all three credit reporting bureaus reflecting the following scores ( image attached ) : TransUnion - XXXX XXXX - XXXX XXXX - XXXX I spoke with a TransUnion representative, who indicated that the root cause of my score was the fact that I " have no credit history '' as my bank, XXXX, ceased to be a TransUnion " Subscriber '' and does not report credit data to TransUnion. 

In speaking with XXXX, they have not provided data to TransUnion since XXXX XXXX. 

I tweeted this complaint to XXXX XXXX and @ TransUnion. please see https : XXXX The TransUnion score impacts my financial metadata associated sold and shared with numerious parties. As such, I believe this inaccurate score is unfair and TransUnion should not share or sell this data or any data associated with my profile.
I have tried and tried to contact Navient, but get no response. They claim I agreed to some sort payment plan that has this ridiculousnessly high amount, when I dispute that and demand they show me something with my signature on it, they can't.
Hi, Last year I filed a complaint for the same reason, XXXX bank transfered the loan # XXXX to Carrington Mortgage Services, L.L.C. Loan # XXXX, since then I receive threats and harsasments from carrington, for me is a nightmare and XXXX XXXX wo n't do anything. I never missed a house payment to XXXX and I never missed any payments to carrington.Yesterday I had to block their phone number and their e mail. I DID NOT ASKED XXXX XXXX TO TRANSFER THE LOAN.
They basically told me that the hard inquiries need to be removed from creditors that they authorized them i explained that i never requested the hard inquiries or credit pulls from those dates mentioned but they stated that they will eventually after a year or so will be removed on there own and i wish to have all the hard inquiries from the time period of XXXX XXXX 2017 until XXXX XXXX 2017 removed ASAP from Transunion, XXXX, and XXXX Thanks
There was a public record on my report that was inaccurate so I disputed the accuracy of the report. Equifax confirmed that they verified through the creditor that the information was correct. 

I wrote the court to ask how they verify information with the credit bureaus. They said that they do n't. 

I sent this info back to Equifax and asked for their method of verification. 

They confirmed they gathered the information from a 3rd party XXXX. 

I wrote to XXXX to ask how they verified the information. They wrote me back and said they HAVE NOT been able to verify it and have removed it from their records. 

I sent this information back to Equifax and they still have not removed the inaccurate information.
On  XXXX   XXXX ,   XXXX  , I applied for a card from  Capital One.   The application was n't approved. Today,  XXXX   XXXX ,   XXXX  , I was emailed a letter from  Capital One.  This letter was exactly the same as the previous letters that I have received from them.  Capital One  is claiming that based on my application, there is pending legal action against the applicant. They once again have not provided me with the name and contact information for the agency that furnished  Capital One  with the information used in this credit decision as required by law. I have received phone calls on two separate occasions from individuals who claim to be with  Capital One ' s  executive  office. Apparently they can not, or will not help me. I ask for the agency that provided this information so that I may dispute it. " I 'm not sure '', or " I do n't know '' is the standard reply. I am told to check with local and federal courts to see if there are any public records about me. I havechecked, and there are no legal matters about me.
In the process of selling my home, I discovered that a loan I thought had been discharged was actually being serviced by  ClearSpring Loan Services.  I had never received any correspondence from them in the nearly 10 years since I had m y 1st  mortgage modified. Regardless, I contacted them and they said I could settle at 50 % of the debt which came to around {$26000.00}. I raised this money within 2 days of contacting them and made arrangements and paid them. I am needing the lien released so that I can finish selling my home. It has been a month now and I still do not have the lien release. I call every single day and they tell me they ca n't give me any updates. They often telling me conflicting information such as the lien needs to be released by the original mortgage company,  XXXX . I called  XXXX  and they said they do not do the release, ClearSpring does it. It 's 100 % internal but then they will tell me they sent it to so me 3rd-party compan y to process and could take 90 days. I do n't have 90 days - I 'm trying to close on the sale of my house! I need this resolved ASAP. I have satisfied everything they asked of me and they are holding my title hostage.
On XXXX XXXX, 2016, I received a voicemail from a number that showed as, " Unknown, '' on my caller ID. The voicemail was from a lady who said she was with XXXX XXXX XXXX XXXX and that she found my information in the federal database ( she had my full name and date of birth ) and that I was a co-defendant in a case with someone ( whom I have no connection to ... have never known the person ) and to call litigation services immediately. When I called the number I gave them the reference number and asked the name of their company. They said it was ARA, and that they were a company in XXXX, Virginia, and when I asked what that stood for they said nothing. They then told me that it was mediation services. They never told me that they were a debt collector but I received a call about the same person from a debt collector about a year ago that then removed my information. I was then transferred to another person who was, " handling the file, '' and that person told me the same thing about the company name. I then asked them what court my supposed case was in and the case number. The lady told me that she could n't give me that information. When I demanded it, as I was a supposed co-defendant in this case, she said that I did n't need to appear in court if I did n't know the person that they had called about. ( I searched through the XXXX XXXX court dockets and could n't find any such case with either person 's names ) I then asked for the company 's mailing address and she gave me a false address. I then asked her to remove my information from the file and she said she would not remove my information because I was a co-defendant.
We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Experian. So the debt was paid in full. But Experian still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.
I got in a wreck on XXXX XXXX. It was a head on collision. I had a XXXX behind the wheel, crossed over the median and hit a car head on. I was driving my roommates car and there was n't insurance on it. I have paid all my court costs and everything that I had to do. And now these people are sending bills to my brothers house asking for {$27000.00}. It has both mine and my old roommates names on it. But what I 'm not understanding is how my roommate was able to get another vehicle from the same place that the car that was wrecked was from. And how she was able to get the wreck taken off of her credit. But yet these people are still asking for money.
I am on XXXX looking at my credit report from you and there are multiple mistakes but it 's not allowing need to dispute anything through XXXX so then I went to your website and I still ca n't dispute it because I do n't have a credit report number so this is why I 'm contacting you on here. 

First there are XXXX accounts with XXXX both accounts have clearly been compromised there are multiple transactions that are fraudulent the account should be closed immediately and a fraud investigation begun I should not be over my credit limit I should not be past due XXXX XXXX accounts closed in to stop reporting the negative information that does not belong to me XXXX of them has a balance of {$5800.00} the other XXXX has a balance of {$1900.00} XXXX account says that it 's closed has an amount due a {$5200.00} absolutely no knowledge of this account this account never belong to me I do n't know where it came from like it was open back in XX/XX/2014 but again I have no knowledge of this account XXXX closed account balance {$1500.00} again I have no knowledge of this account this was clearly open front and XXXX and I am unaware of the account
I have contacted Equifax several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Equifax several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. These accounts does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and i never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX & XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX, XXXX acct XXXX all have a {$0.00} balance. As well as the incorrect address of XXXX XXXX XXXX, XXXX, MS XXXX I have never lived at this address. I have have been a resident of Illinois for over 15 years. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Equifax keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Carrington Mortgage Services purchased my mortgage from XXXX XXXX XXXX and began servicing my loan on XX/XX/XXXX. At the time I had an open property damage claim due to Hurricane Irma. As of today XX/XX/XXXX, I have submitted all requested paperwork to them to have a check issued to pay 1 of 2 final draws to my contractor. The inspector that was assigned by Carrington came and inspected the home on XX/XX/XXXX and identified the home as 75 % complete in repair., and requested payment from the escrow on my loan. As of XX/XX/XXXX, Carrington still refuses to issue the promised draw amount which is in excess of {$11000.00}. They are holding over {$22000.00} of insurance funds, and will not release those funds nor will they explain why or request any additional documentation. As of today XX/XX/XXXX I have final inspection scheduled and their refusal to release funds have caused me to breach contract with my general contractor. I call Carrington on a weekly basis to check the status, and every time I call no one can provide an answer, and their response is always that it will take 5-7 business days to review.