WillisBack/dataset-financial-user-claim huggingface dataset:
Approx one year ago, I had some fraudulent drafts on my bank account, which the bank reversed and I closed the account. I started receiving numerous aggressive phone calls from XXXX XXXX XXXX at home and at work, I informed them when they called me at work that I could not take personal calls at work, yet they called back today and spoke to one of my coworkers telling him that they would come to my work tomorrow and serve me papers and even gave him a case number, I have the note my coworker gave me. I called the company and told them to never call me at work or at home again, that this was a fraudulent case. XXXX XXXX kept telling me to just talk to him and I said no, this is the last communication we will have, I told him he was harassing me and threatening me, talking to my coworkers, giving them case numbers etc, he said '' we have to do what we can do to collect the debt '', then he hung up on me.Their phone number is XXXX. I have never received any written notification from them to date.
Our company makes pet food. Our food is made by co-packers. We received an email with an invoice from our co-packer ( an LLC ) as was expected. We then received a subsequent email on the same email thread from the co-packer updating their banking information. They asked that for any further invoices that I pay this new bank account ; so we sent both of the payments outlined below to this new bank account. 
On XX/XX/XXXX we were contacted by the LLC to say that they were a victim of a phishing scam and not to pay any new bank accounts. We then realized that it was too late, we already had paid this fraudulent bank account. 
We immediately contacted our bank ( XXXX XXXX ) and their fraud department but it was too late to recover the money. XXXX XXXX XXXX   fraud department has been in touch with Bank of America, the bank where the money was transferred. We have filed an FBI report, two police reports and hired a lawyer. 
We have been advised by XXXXXXXX XXXX, that the Bank of America account where we transferred money was a fraudulent account. The name of the account was an individual, who we are told is a senior citizen that collects social security payments. The two ACH payments we made to this fraudulent account were made payable to the LLC ( our co-packer ) and ACH payment ( XX/XX/XXXX payment was in the amount of {$28000.00} and XX/XX/XXXX was in the amount of {$35000.00} ). We believe these deposits to be significantly larger then the typical payments the account owner normally receives. We have also been advised that the account owner immediately transferred both payments to another fraudulent account in Texas and that the account owner kept several thousand dollars from each of those deposits. When the account was examined, it was found to contain virtually no funds. The conclusion was that this individual is a money mule. 
We have been advised that generally a deposit will be titled to the same name as that on the account and based on a threshold dollar amount the deposits should get closer scrutiny. This did not appear to happen even though we believe that those two ACH payments are significantly larger than the normal deposits into that account. 
Our concern is that the ACH payments we made went into a fraudulent account and unusually large deposits were not titled to match the name on the account where they were deposit by Bank of America ( i.e., we paid an LLC not an individual ) We want our money returned to us as it was clearly put into a fraudulent account.
I mailed in a dispute letter to all 3 credit bureaus for XXXX XXXX   XXXX to verify that the account belongs to me. They sent me a credit report with no verifying documents, just saying verified. They have yet to send in any proof that the account belongs to me, instead XXXX has made my score drop and my payment history drop. It said one late payment and now it has 8 late payments, ruining my credit and making it hard for me to get approved for things because of this account. XXXX took the late payment ( 1 ) off..made it current then changed it back to late and dropped my score 10 points..they did this twice in one day for a total of 20 points! Today I was notified that it changed to 8 missed payments! Their customer service is horrible to talk to, you can never get anywhere so that's why I went the route of contacting all 3 bureaus and they still didnt resolve the issue and instead of XXXX verifying the account all they did was add late payments and ruin my score more!
Citibank closed my credit card account before I got a chance to pay off with no interest due to a bad check. 

It would 've never been a bad check had they removed the direct deposit from an unused account ( old account closed due to fraud ). I was making payments of {$150.00} on time from an updated account. After i noticed the first attempt to take direct deposit from my closed account ( which I 've called multiple times to remove ), I called again to ask them to remove that direct deposit since I tried and was unable to do so online using their online portal. Btw, I work as a XXXX, so I 'm pretty sure it was a bug on their end. I removed the old direct deposit countless times manually and even over the phone. They decided to cancel my account even though I was making all my payments on time. Because of their incompetence of not removing my original direct deposit like I 've requested countless times, it resulted in a bounced check in which Citibank closed my credit card account. Now my credit is negatively affected. I cant make purchases ...
On or around XX/XX/XXXX I received a call from Immediate Credit Recovery advising that they were initiating wage garnishment and recently mailed a letter to my home address ; I advised the agent that I was willing to make voluntary payments to avoid garnishment and ask the agent what address the letter was mailed to as the letter was not received. She confirmed the letter was mailed to my home address, when I ask if she could resend ( so I can understand the letter content and what options, if any are available to me ) she indicated that XXXX had fulfilled their obligation by mailing it and that they are not responsible for USPS. The agent proceeded to collect personal and financial information - after approx. 20 minutes on the call I had to leave, as I was at work. The agent indicated that her office hours were M-F, XXXXEDT ( which are the same as mine ). I request the agent provide her contact information ( XXXX ) and callback at XXXX to finish the call - I did not receive a callback, nor was I able to reach the agent when I attempted to return the call. I have since made multiple attempts between XXXX and XXXX and also leaving voicemails for the agent. If my recollection of my conversation in XX/XX/XXXX is that I have 30 days to take action - I am unable to take action without the letter and if my voicemails have not been returned. I am not disputing the debt however I find it frustrating that I continue to have issues with this agency - in a prior complaint the agent the agent erroneously advised that voluntary payments were not an option, since this complaint ( to my knowledge ) there have been no additional attempts to contact me by phone or in writing. I understand that my loan is defaulted, I am willing to pay however it seems unfair to impose deadlines when I am at the mercy of the agent answering the phone/responding or at the mercy of the USPS.
Hello I applied for XXXX due to being let go from work. I was granted XXXX they begin to issue payments according them to bank of America but I have not received them.. Bank of America is giving my money to someone else, and claiming that I did a bank transfer years ago they claim money is going to some account I have no idea what they are talking about or referring too. I have not given any permission to transfer anything anywhere. My rent and car note is due I need to pay my bills. I am asking that Consumer Financial Protection Bureau help me to get the funds owed to me from Bank of America. I am also asking your help to prosecute those that are using my money and the bank of America representative that is putting the money into the wrong account. Bank of America is giving me the run around. I am owed quite a few payments per XXXX around XXXX or XXXX. I am not getting anywhere with bank of America and XXXX seems not to be able to help as well. I look forward to hearing back from you urgently and I pray XXXX that you will be able to assist me. Thank you, XXXX
i was in XXXX and i think the cleaning crew that my company used took my card and used it without my consent and put it back now im stuck with this charges
Early Warning  Services came back and stated that the records were verified by the financial institution even though they listed a social security number that was different than mine. They refuse to remove or suppress this information and as such I am being adversely impacted and can not open a checking account.
Experian, XXXX  and XXXX XXXX are ignoring my many requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.
I am submitting a complaint against Equifax credit bureau. I have been trying in vain for an extremely long time to get online access to my reports without any luck. I cant get an answer from them as to why I keep getting a message that my information does not match, even though it is entered correctly. I have been on the phone with them as I have input my information and verified that is the same as what is in their system, but I still couldnt get online access. 

I have sent them my social security card and ID showing my information in the past as well. I cant even access my Equifax report via the XXXX website. I have attached copies of the messages I receive when on their website. One representative told me that maybe it would work if I had a paid membership subscription with their company, which I hope they are not purposely doing this to consumers that do not buy credit products from them.
As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. 

Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.
My credit report is showing two debts in the amount of {$1500.00} & {$78.00}, with no account numbers reporting to my credit reports. I tried to validate these accounts years ago with no avail. I was never sent anything that validated that these debts belong to me. However, in the past, I was sent a release of medical records to validate such debt. I shouldn't have to release my medical records to allow a debt collector to validate a debt. That is very personal and inhumane. I would like for the company to validate such debts by showing legal documents, the original bill, my signature on such bill with amounts owed to validate such debts. All contact is to be made via this website. DO NOT CONTACT ME BY PHONE, MAIL, OR EMAIL. Please upload documents here with your response.
This complaint involves more than the original credit card company. 
I had credit life/XXXX insurance on this credit card, as I was XXXX. 
On XXXX XXXX, XXXX, I was XXXX. 
I contacted credit card company shortly after my diagnosis, due to a need for the credit life/XXXX insurance to go into effect. 
Upon receiving the necessary documentation for the insurance company, my physician filled out the documentation and sent it to the insurance company. Once the insurance went into effect, the credit card company did not bill the insurance company until after the due dates of monthly payments therefore, late fees were attached and interest rate skyrocketed. I tried many times to resolve the matter with both the credit card company and the insurance company by telephone, but each blamed the other for the misgivings on the account. When I asked for a manager from the credit card company to call me, in an effort to resolve issues with the account, I never received communication from a representative who could correct the misgivings with the account. 
The account was sold to a debt collecting company on XXXX XXXX, XXXX, who not only harassed me by phone, but who also sent a private investigator to my home on several occasions, who left notes in my mailbox, and would pound on the doors to my home. 
I acquired an attorney who represented me in the matter, the case was dismissed in court without prejudice, on XXXX XXXX, XXXX, but the debt collecting company has out sourced collection to another agency. The original debt collecting company continues to report this as an open account to credit bureaus.
I am submitting a complaint against the National Collegiate Student Loan. This debt was included in my Chapter XXXX bankruptcy but I am still being contacted by several different debt collection agencies regarding this student loan. I originally got the loan through XXXX XXXX XXXX in 2004. I never missed a payment on the loan until it went to bankruptcy. I was sent to XXXX different collection agencies. Once I send them my bankruptcy information they leave me alone for while and then after some times goes by another agency starts contacting me. I tried to work out something through the company I was paying ( AES ) the National Collegiate Student Loan but they would n't work anything out ( This was done before the bankruptcy ). The loan never went down since I was paying on it and I ca n't afford to pay this loan.
Dear sir, In the month of XX/XX/XXXX, we purchased furniture and " XXXX XXXX XXXX ''. They provided consumer financing advertised as 0 % APR for the first one year financed by XXXX XXXX. 

We availed that option, and within the first year, we were able to pay-off almost all of it. We were left with a balance of {$190.00} end of the year. 

While we were expecting that there will be only interest charged on the remaining balancing going forward after the 0 % APR expired, we were surprised to get charged a amount of {$670.00} as accrued interest on the account for all previous year 's balances, which we left very unfair. 

There was no verbal disclosure of any sort about it when we purchased it at the store, and even in the last statement that comenity bank mailed us, they did not disclose range ( $ XXXX- {$700.00} ) of the amount they were going to charge as accrued interest, if the payment is not made as of the last day. If their computers can print all the account information item wise, they should have the capability to print the range of accrued interest if the payment is not made. I overlooked their statement as it did not shoot out of normal, and when I called the bank, they declined to take the charge out of the account. 

As of yesterday or XX/XX/XXXX, I paid the account in full, but I ask your help in getting this reimbursed back. 

Thanks XXXX XXXX XXXX
I was the deed on my deceased father 's house. I paid the mortgage payment each month. The house did not go through escrow after he died. At one point, Wells Fargo stopped accepting my mortgage payment on my father 's house. Thus, forcing it into foreclosure. Wells Fargo cross out my father 's account number on my checks and wrote my loan number on my checks and applied to my loan for my mortgage on my house. 
During that time, I filed for Chapter XXXX bankruptcy and the court wanted to know what I did with the rent for my father 's house. I told them that I paid the mortgage each month at time. They conducted an investigated which were additional fee deducted from the sale of my father 's property.
My chipped credit card issued by FIA card services was hacked in XXXX. Several charges were removed from my bill but one charge made XXXX XXXX, 2015 for {$350.00} was made at a XXXX XXXX store and I have been assigned responsibility for payment. FIA requested documentation and got a copy of a credit card receipt from XXXX XXXX store XXXX obviously without my signature on the receipt. At that point FIA said I was responsible for the charge which is inaccurate. 
I have filed a report with Pennsylvania State Police. Case number is XXXX.
My name is XXXX XXXX, cosigner for my daughter, XXXX XXXX, Wells Fargo student loan, loan # XXXX. The loan came out of deferment in XXXX, 2018 ; I was not aware a payment was due. Once I became aware of the payment due, I paid it immediately, contacted Wells Fargo to update my address and set auto pay to ensure timely payments. 
As a result of the payment being 30 days late, my credit score dropped from XXXX to XXXX. Therefore, I requested Wells Fargo retract this late payment as I was unaware of the payment, this is the only late payment, and I have set up auto pay. 

Wells Fargo refuse to retract this late payment from the credit bureau. I believe this is unfair as I have a solid credit history, this current score does not reflect my creditworthiness and Wells Fargo should provide courtesy and goodwill for customers who have ONE oversight ; then bring the account current, immediately. 

Thank you very much for your assistance with this matter. 

XXXX XXXX XXXX ( XXXX ) XXXX
after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,
Freedom mortgage issued me an escrow surplus check on XXXX XXXX 2016. Immediately after receiving this check my insurance agent called and informed me that my homeowners insurance had not been paid. I called Freedom Mortgage with my insurance agent on the line and requested a check be sent overnight. The Freedom Mortgage agent said that it would be overnighted. Several days later my insurance agent called me and informed me that a check still had not been received and that my insurance policy was close to termination. I called Freedom Mortgage back and an associate in the insurance department told me that indeed the request for payment had been denied from Freedom. So she said she would put in another request and this one should go through since the last one was denied. I called Freedom Mortgage the very next day and once again another associate in the insurance department told me that the request had been denied. At this point I asked to speak with a supervisor and I was told that a supervisor was not available. So I hung up and immediately called their customer service department. I told them about my problems and that I had requested to speak with a supervisor buy was told they were unavailable. The customer service associate put me on hold and called over to the insurance department and requested to speak with a supervisor. After thirty minuets of holding, I was connected with yet another insurance department associate who told me a supervisor was unavailable at the moment but that she would try to resolve my issue. After around thirty more minutes talking with that associated I once again asked to be connected to a supervisor and was put on another five minute hold. I was finally connected with a supervisor who said he would request that a payment be sent out to my insurance company. How am I supposed to trust that this payment request wo n't be denied like all the rest of them? So my complaint is : I 've talked to around five to six different people over the last two weeks about my problem. I have had three different requests for payment of my homeowner 's insurance that have all been denied and all anyone can tell me is sorry for the inconvenience. This company has put my home, me and my family at risk and this is unacceptable. An inconvenience would have been the first time I called at this point we are at a severe problem. My homeowner 's insurance is at the point of being terminated because of the negligence of Freedom Mortgage Company.
A Company Name TEK COLLECT Has An Derogatory Mark On My Credit And I'm Looking To Have It Removed. The Date Reported Is XX/XX/2018 In The Amount Of {$480.00} - It States Its From A Bank Institute with The Age Of 2 yrs And 7 months with Highest balance {$470.00}
I was initially set up on a progam where funds were auto drafted monthly. I noticed they funds were n't being deducted I reached out to customer service who assured me I was still in good standing. The following month is was the same situation I once again called a XXXX XXXX representative who informed me everything was still in good standing and not to woy they would notify me when the program ran out so I could call back and requalify. No my student loans are ove {$800.00} dollars behind. I have XXXX XXXX XXXX on several occasions to set up a payment arrangement to bring everything current. None of reps were willing to help There only option was to pay it all then I could set up a payment arrangement. It waslike my prior XXXX calls had gone in vein. Based on my current income and and the amount of debt I 'm currently in I was asking for the lowest payment possible never neglecting the fact I owed them but wanted a lower payment. I even had XXXX rep to tell me borrow the money from someone to make the payment. Some type of customer service XXXX XXXX has. I wish I would 've never taken out a student loan with XXXX XXXX because they refuse to help you when you actually call they to set up payment arrangements and then all they do is harass you.
I received a phone call from a man who had informed me that he was a processor trying to deliver papers that needed to be signed by me because I was being sued. I asked him what was it about and then gave me a phone number ( XXXX ) to find out what it was it in reference to because he did n't know anything cause the documents were in a sealed envelope. And it was important that I contacted the number to find out for myself. I called the number a very rude man answered the phone and told me that I needed to pay a debt for their company in order to stop the process of being sued and going to jail, I got very nervous and tried to find out what it was about but he just kept yelling at me and telling me that I knew and that I deliberately did n't pay a debt and I was getting sued for fraud and going to jail. So, I panicked cause I really did n't know and I gave XXXX ( XXXX ext.XXXX ) my credit card information and paid the {$300.00}. Then XXXX XXXX came on the line to tell me that it was process in five days and if I tried to stop the payment that they would proceed with the process of suing me. I do n't know who this company is. I have n't received any letter or bill in the mail. I do n't even know what debt they were talking about. All of this took place over the phone on XX/XX/XXXX. On XXXX XXXX I received and email from Continental Consumer Services stating that XXXX XXXX was the original creditor. I honestly do n't know who that is. I realized that I was bullied into paying for a debt that I did n't make.