WillisBack/dataset-financial-user-claim huggingface dataset:
A person named XXXX called me and said this ( I have kept message ) " Good morning this message is for XXXX XXXX. My name is XXXX. I am calling in regards to a formal complaint and summons that was faxed to my office this morning. XXXX you have the opportunity to contact the plaintiff to resolve this matter voluntarily. They can be reached at XXXX. Refer to case number XXXX. XXXX XXXX. You have been officially notified. '' I called back and was hung up on for not providing my birthdate and told I was " breaching security. '' I called back and I was then yelled at and told that they represent Kay Jewelry and that I 'm being sued for fraud and theft for an unpaid {$220.00} debt on a credit card ( which was discharged in bankruptcy ). I explained the debt was discharged and I was told the debt could n't be included in a bankruptcy and that my only choices were to pay the debt today or file bankruptcy again. 

I was hung up on repeatedly when I asked for an address where I can send my papers. I was called " a child '' " irresponsible '' and a " thief '' and was told that I " racked up debt purposely '' with " no intention of ever paying the bill. '' I was told that a process server would be at my house the next day and that I would be arrested. When I asked whether Kay Jewelry was actually their client, they hung up on me. When I asked for information about their business, they hung up on me. 

This is obviously a scam and these people should be stopped. I am pretty tough, but this one rattled me. I would hate to think what would happen if someone unsophisticated or elderly received a call from them. They are terrorists.
I have for the third time already had problems with this bank and services that it is suppose to provide for me. I have account balance notifications set up for my email and text message that never work while the bank continues to charge overdraft fees to my account while it continues to go further into the negatives. My account dropped below my notification limit on  XXXX / XXXX / 17  and have yet to receive any type of notifications to this date of  XXXX / XXXX / 2017 . My account dropped into the negatives on  XXXX / XXXX / 17  but have yet to receive any notifications or have the decline of my card to this date of  XXXX / XXXX / 17  to which i have gotten to  XXXX . There is also an instance in which they charged  XXXX  overdraft fees  on one d ay  XXXX / XXXX / 17  of  XXXX  $ each for a total of  XXXX   . Ag ain no notification both email or text was ever sent all the while allowing me to accrued debt and fees with no knowledge or notfication.
I ordered a product online but when I received the package was empty so I contacted the merchant first, which told they would open an investigation and follow up with me but they never did. Then I contacted XXXX XXXX and sent them all my evidences, they gave me my money back. Unfortunately my Costco XXXX XXXX credicard was not longer valid, Costco and XXXX XXXX ended their business relationship and all accounts was transfers to City. City without my knowledge return the money to merchant and is charging me the amount. I called City customer service and explained the situation but they totally washed their hands.
Credit Shop Amount : {$2600.00} I contacted this company on several occasions in order to state that my identity was stolen and that I did not apply for this loan. A family member stole my identity and caused havoc. I disputed it through the 3 Credit Bureaus ( XXXX, XXXX, XXXX ) also. The company just stated that the debt was valid, but never gave me any paperwork showing my signature or proof of this being my account. I have been in a back and forth battle with this company throughout 2017.
I previously worked for the Federal Government is a position where the background check included an extensive verification of where I previously lived, worked, any alias ', financial information and finger prints were required. After XXXX XX/XX/XXXX, I was advised that there was a recent cyber security breach and I was given insurance via a third party identity restoration firm, XXXX. I received a routine credit alert on XXXX XXXX, XXXX. Upon checking the information, a collection showed up for the first time on my credit report on XXXX XXXX, XXXX showing a debt due to XXXX in collection with Stellar Recovery for a XXXX address I never lived at for an individual with a first name and last name spelled differently than mine ( one letter of difference in each ). I had an account with XXXX in a different state which was closed out ( I saved the only chat ) and XXXX accessed my Credit Report on XXXX XXXX, XXXX and thus not only would their own records show the correct information but at that point they had my current name and address. I did not receive a single notice about this and of course they are trying to portray this as identity theft ( to cover their incompetence and probably wanting a tax deduction for the current period ). XXXX has not been cooperative ( and made me go through hoops filling out forms ) and I know nothing of the bogus transaction on my credit report.
After that I discovered that there was a XXXX XXXX XXXX credit account and addresses on my experian report that were definitely not mine and hurting my credit score, I submitted dispute by phone call to the credit bureau, and they failed to remove the false information each and every time I submit the dispute and I did that 3 times. 
I called XXXX  multiple times and confirmed with them that there is not a single bit of information in their system on my SSN. Yet the dispute results always said the creditor confirmed the information. 
The false information is not on my XXXX or XXXX reports. The results did not come with any confirmation of why it was on my report, or even the full account number so I can provide to the XXXX reps that I talk to.
Screen capture on XX/XX/2018, account statement on my loan reads Past Due : {$0.00}. Regardless, Citizens Bank claims I didnt make a XX/XX/XXXX payment. This is intentionally deceptive or otherwise misleading. 
After being notified in early XXXX that I had two additional missed monthly payments, a representative and I made arrangements for a {$370.00} payment to avoid repossession on XX/XX/2018. 
Citizens Bank repossession department maintains different business hours from the bank itself, and online payments were blocked for my account, so repayment was made unreasonably difficult. A repossession order was issued, the car was repossessed at around XXXX on Sunday, XX/XX/XXXX, and now the bank has changed the amount required to release the vehicle to {$1100.00}.
I paid ALL of the open collection accounts on XXXX my credit reports during the summer of XXXX. In XX/XX/XXXX I received notice that collection account from XXXX had been added back to my reports ( for a second time ). The collection account appeared on my report several years back, but due to issues with the original creditor changing management companies, my collection account was removed. It is my understanding that a collection agency can not " re-age debt ''. I called XXXX agencies explaining that this was the second time that this account had disappeared and reappeared on my credit report. After rude conversation with multiple agents, I gave up. This past week the exact same thing happened. The collection account was removed and added back to my report due to a " glitch '' in their system. I was told that a glitch in the system was confirmed and that I needed to call back within a few days to discuss having the debt removed frm my report. I was also told they would not remove the debt until they figured out what caused the system to fail. I then spoke with someone else who would not confirm anything and was MORE than unwilling to assist me. Within days, this collection account and multiple inquires were removed and added back to my account. This has happened several times particularly with this one collection account. Transunion is aware of the first two thimes the account has been removed and added and in a report that was mailed to my home in XX/XX/XXXX from Transunion, one month before this account was re-inserted, this account does not appear on my credit report.
Send certified letter on X/X/2017, no respond. Copy of letter enclosed. They have my account with XXXX  in a negative status.
I have requested from XXXX XXXX XXXX XXXX paperwork for what is being reported, seems excessive amount of lates have been reported. It doesn't seem consistent information is being reported. Even after requesting investigations nothing was done.
I have disputed the late payment status reported on the accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.
I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).
We just received a letter from this debt collection agency stating that we owe to the company we used to rent our apartment from. There was no correspondence from the rental agency about any money owed, and they even kept our {$800.00} damage deposit without any explaination. This rental agency needs to be reprimanded for taking advantage of it 's renters.
A business was created under my name without my consent or permission, I have asked several times for the debt collector to remove my number. 
They called yet again today and when I told them it was not my debt they became rude and harassing.
I disputed with the company XX/XX/XXXX. The company received by disputed according to certified mail. It is now XX/XX/XXXX and I have yet to have the information actually verified. I have filed a report with the FTC regarding the information being incorrect. Individuals obtained credit in my name without my authorization. Those negative remarks on my credit history has made it impossible to obtain new credit.
It has been years ago that I informed you that 2 of the 3 addresses you have on my credit report are not mine, I have never owned, rented, leased or lived at XXXX XXXX XXXX. XXXX . XXXX, XXXX, Texas XXXX or XXXX XXXX XXXX . XXXX XXXX XXXX, XXXX, XXXX. 

Further, the information on the credit report shows me all but the last 4 digits of each credit card, and does not include the name or at least the initials on those credit cards. The last 4 digits would possibly be more help to me than any of the other numbers of each and at least the first and middle initials would definitely be of a big help, since you have addresses I have never lived at I have a suspicion some of these credit cards also belong to other people also. 

I also have no doubt that these errors would also appear on my wife ( XXXX XXXX XXXX ) report also, XXXX, as myself have resided here at XXXX XXXX XXXX, XXXX, Texas XXXX for the past 41 years and never resided anywhere else in that time frame. If you can correct my report can you also correct hers. I doubt this because if you can or will why didn't you do it years ago?
I received a call from an unknown number stating that I had been attempted to be serviced a legal suit. They gave me a number and told me to call them and have them update my information. They claimed to be from XXXX County. I called the company. I spoke with XXXX he said he represented HSBC and his office would be taking legal action against me if I could not pay XXXX and change that day. He said that if I could pay half his firm would front the other half because the client expected ASAP. When I said I want to consult my lawyer he became enraged and threatened immediate action against me. The next person I spoke with XXXX XXXX said he would take a lessor amount and that HSBC agreed to it. When I called HSBC they have no further records of the debt nor did XXXX XXXX. XXXX continued to give mistruths and when I asked for proof of the debt ownership he sent me a contract with stale dated information and increased the debt to XXXX and wanted me to agree. I am very concerns this company is a scam and not the true holder due to all of the lies given within the conversation. They sent me routing information to make a direct deposit into their account.They claim to be XXXX with XXXX XXXX as the Director of Litigation. Please help me get to the bottom of this.
GreenTree has a cease notice on file. This as the result of a previous complaint with the CFPB in addition to documented fax over a year ago. I am attaching a copy of a call log from my office. Please be advised that these calls are to my office line. When I asked XXXX to remove the number as we have a cease on the account she declined. Simply stating that she has to have a number on it. Our mortgage is not even 30 days late and I received a call daily along with a message on my main office line for employees to hear. XXXX filed a cease notice and we should not be getting any phone callsCalling my office- main number and leaving voicemail messages.. when there is a cease on the account is unacceptable. What is even more offensive is the fact that there was a voicemail messages for my employees to hear. I saved the voicemail message. Please be advised proof of the calls is attached to this document. The calls from XXXX are from Green Tree.
On XXXX/XXXX/2016 I purchased a cell phone for XXXX XXXX. At the time I had reservations about service coverage but I was told by the cashier I had 30 days to return the cell phone. I received poor reception in my area so I went to the XXXX XXXX XXXX Walmart to return the phone. Despite having the receipt I was told I could not return the phone because the return policy is 15 days. This is not fair, the phone is in perfect condition, I do not want nor need it, and I was given incorrect infomation from the store employee at purchase.
XXXX is not fulfilling their representatives promise. 
Before I applied for a credit card from XXXX i inquired if am eligible for the welcome bonus as i may have the card previously and the terms state that you are only eligible of you did n't have the card. XXXX Representative assured me that i am eligible. I explained that i am only applying if i am eligible and the Representative assured me that i am eligible. This took place in chat id XXXX. 

After i received the card american express denied me the welcome offer stating i had the card already. 

card # XXXX XXXX XXXX
Purchased a code to a digital product and transferred funds using Bank of America 's mobile banking application - which is powered by XXXX. No disclosures, not addtional information on the process, etc. Called immediately to cancel transaction and was told by client services to let the transaction go through because the transaction could not be in a " pending status '' to reverse. Once cleared then make a claim against the transfer. I followed their instructions and then the Bank denied my claim. Called Bank, went into bank, and nobody is willing to provide service or back their endorsed product.
This debt has been re-aged, which is a serious offense under FCRA 623. The original date of delinquency was in XXXX. However, not only is the original date of delinquency in a XX/XX/XXXX credit report showing a delinquency date of XX/XX/XXXX, the original date of delinquency was re-aged and updated to reflect XX/XX/XXXX. This has caused a serious strain on my credit, and all past disputes regarding this serious matter have not been taken seriously. I am one step away from now filing legal action for this offense unless this is immediately resolved. I am requesting that this entire tradeline be deleted from my Experian credit report as it was illegally re-aged, thus holding down my XXXX score and incorrectly reflecting my creditworthiness and therefore hampering my efforts to receive credit.
SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.
We were refinancing  our 1st mortgage with a REPUTABLE company, NOT WELLS FARGO ( getting away from  XXXX  ) - Wells Fargo just happens to have a minority stake in our property through HELOCS - In our CLOSING agreement on our new 1st mortgage, we discovered that Wells Fargo EMBEZZLED {$250.00} from us - when we complained to them that they conducted MORE fraud against us, all of a sudden this {$250.00} was some sort of a " fee '' - WELLS FARGO CA N'T CHARGE A FEE IF WE ARE N'T DOING BUSINESS WITH THEM - ESPECIALLY WITHOUT ANY ADVANCE NOTIFICATION ... that is stealing. They have a fiduciary duty to us, as ALL of our bank accounts are at WELLS FARGO ... Had they actually informed someone of their intent to charge this " fee '', we would have  absorbed their loans into our NEW MORTGAGE ...     I have already had fraud committed against me by  WELLS FARGO in the " New Account '' SCAM that they were conducting and previously fined for - Their  most recent fraudulent actions involve skimming off of transactions that they have nothing to do with - They were NOT entitled to our  XXXX , LET ALONE to steal {$250.00} from us in the process. AGAIN, we were NOT doing business with them. They had NO RIGHT to request any information or issue any " fees '' - primarily because no one was doing business with them. YOU NEED TO CHECK THIS OUT, BECAUSE I GUARANTEE THAT WE ARE NOT THE ONLY ONES THAT THEY ARE DOING THIS TO ...     Their response to the fines that you have previously issued to them is reprehensible - They merely treat the money as if it 's payola or some type of licensing fees to enable them to continue the fraudulent abuse and theft that they routinely conduct against their consumer account holders. Because they know there is NO CONSEQUENCE.     Fines are not enough - CRIMINALS NEED TO BE CHARGED with their crimes!!!     And by the way : Did you EVEN BOTHER to notice that there are MORE COMPLAINTS on your site AGA INST WELLS FARGO, THA N ANYONE ELSE ...??????? By far - all you need to do is look.     CLOSE THES E STAGECOACH ROBBERS DOWN!!! TRUMP 'S PETTY  CASH BOX.
In 2014 my wallet was stolen with all my identity inside i went to XXXX police department and filed a report then had to go to social security office and also report it and they told me that if anything comes on my credit after that date it would not go on my credit and i had been fighting this with all 3 credit agencies and they have been ignoring me please help me and remove this from my credit. here is the number XXXX the company is XXXX
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXI sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to XXXX me a loan because of this. 

XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX , XXXX  XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX TX ) XXXX and XXXX XXXX   ( Original Creditor : XXXX XXXX XXXX XXXX
The amount that was sent to me by the company after I turned my lease in early was for {$8000.00} and Ive paid them at least {$2000.00}. My mother was the co signer and she included them in her bankruptcy so there are 5 more years left before I owe them if the statute of limitations are not up on it. They have called and threatened to sue, they placed an illegal lean on my mothers house before her bankruptcy that had to be removed by our lawyers and now they are contact me again and dinged my credit for being late.
This issue is on a Wells Fargo XXXX : 1. I had a {$25.00} minimum payment due on XXXX/XXXX/XXXX. 
2. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
3. I made a payment of {$650.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
4. I made a payment of {$100.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
5. I made a payment of {$25.00} on XXXX/XXXX/XXXX which they did n't apply to my card. 
6. I made a payment of {$34.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
7. I made a payment of {$7.00} on XXXX/XXXX/XXXX which they didnt apply to my card. 
8. I was then charged a {$50.00} late payment fee on that {$25.00} minimum payment that was due on XXXX/XXXX/XXXX. 

This makes no sense to me no matter how they try to explain it. Basically my payments were too early even though they were all paid in the same month. I paid {$920.00} towards my credit card balance all in the month of XXXX when I only had a {$25.00} minimum payment due for XXXX, but somehow they were able to charge me a {$50.00} late fee. 

I pay my bills the first week of the month, I can not understand how my payments do not count towards whatever I have due in that same month. This is absurd. It seems like just another way Wells Fargo is fleecing the consumer.
On XX/XX/XXXX, I lost {$60.00} to an online scammer who was supposed to provide a product. I did not feel safe using XXXX or XXXX to buy it, & the XXXX he created wouldnt allow me to send money that way, so I thought a bank transfer would be safe, legit & protected. The only way to easily transfer money through your bank is to do it through XXXX. So I transferred the money that way, & as I feared, was never given the product, never got a response back, & his account shut down. So I go back to XXXX to get my money back & explain what happened. Come to find out you cant cancel XXXX payments if the receipient already has an account. But that is the ultimate scammers dream platform! Victims feel safe to transfer the money because its through their trusted bank, but then XXXX offers no protection so the frauds & scammers win each and every time. Millions are lost to frauds & scammers everyday & this company is aiding the criminals by giving them the trusted platform to make it happen. XXXX is truly taking advantage of the trust weve all established for our banks. This is preposterous that theyre even partnered with all the most reputable banks. When will good stop being victimized by not only individual scammers, but big, corrupt companies who have no moral ethics?