WillisBack/dataset-financial-user-claim huggingface dataset:
On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.
While the person 's voice did not seem threatening, when I called to offer a payment agreement the person on the other end said he could not accept the {$50.00} per month I offered because there were government regulations. He did of course mention I could be subject to wage garnishment or a lawsuit. He said he could not work with me filling out a form. He said he would have a supervisor contact me, but I have still not received a call. I get the feeling of doom they are not working with me. I want someone to know even though I am contesting this debt I am trying to set up an agreement before I am threatened with a lawsuit or garnishment. I agree to pay XXXX per month. It is what I can afford. Please get someone to work with me. 

Thank you.
Company keeps calling my place of employment and relatives regarding a debt that I am not aware of. They have harassed family members and call a public phone line which others have access to. They leave voice mails giving my name to co-workers and say they are a debt collector.
Property was foreclosed and sold in XXXX XXXX by Bank of America ( BOA ). It was filed in XXXX XXXX, OK on XXXX XXXX, XXXX. Forms XXXX were issued for the transaction. It was n't until XXXX, XXXX ( with a letter written by my attorney ) that the account was written-off and closed. I then applied to refinance my current FHA mortgage in which Bank of America was also the service provider. As part of closing, the new lender requested a pay-off schedule from BOA. In RETALIATION, BOA reopened the closed, foreclosure account XX/XX/XXXX. I am getting HARRASSING phone calls from BOA saying that I am still in foreclosure, almost 4 years later!. Now, the mortgage broker says that I ca n't get refinanced because the foreclosure is being reported as current. I am 100 % positive that BOA is illegally reporting false information so they can keep my current mortgage.
I defaulted on a XXXX XXXX Credit Card. Last pay date was XXXX XXXX 2009.
I have information on my equifax that is reporting incorrectly. I was a victim of identity theft and the equifax credit bureau was notified of the identity theft situation in XXXX and I have provided the police report along with identity theft affidavit from the FTC along with my proper identification and the letter of acknowledgment from one of the creditors that the fraudulent account should not be reported. 
Somehow equifax still is reporting the erroneous information on my credit file which has caused unnecessary hardship. They did not provide me with the method of their investigation and the creditors have verified that equifax never reached out to them. 
Equifax keeps reporting the erroneous information and after 2 years of struggle with trying to have them correct my credit reporting i still have no positive results. 
Even with a creditor providing a letter for the information to be removed, equifax somehow have verified that the information is accurate and would not share the result of their investigation or the written response from the creditor. 
The following accounts are being reported erroneously and should be removed immediately. 

XXXX/XXXX ACCOUNTS 1- XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 2- XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 3- XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF 4- XXXX XXXX XXXX Account XXXX : XXXX Status : CHARGE-OFF COLLECTION ACCOUNTS 1-XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$180.00} 2- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$50.00} 3- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00} 4- XXXX XXXX XXXX Account Number : XXXX Original Amount Owned : {$240.00}
I had XXXX XXXX in XX/XX/XXXX. To remove the XXXX  I had XXXX   but I believe most of this debt is from that and a little from some XXXX work I had shortly after the XXXX. I admit to both of these debts and realize its my fault for being at the point I am at now. After the XXXX and XXXX  work I had to miss over 10 weeks of work last year and occurred more medical expenses at that point for my treatment which I also still owe on and is still accruing. I am asking for some human factor from the firm and stopping the wage garnishment. I took out a loan on my 401k, which is now maxed out, and was supposed to get a little over {$1400.00} but only received around {$1000.00}. Then later that week I received my paycheck and it was significantly less than normal and at that point I realized I was being garnished over all of this. I called the firm and they had my address for XXXX, IA where I moved out of at the beginning of XX/XX/XXXX.  The lady I spoke with at the firm said they normally wont release a garnishment unless its paid off. Its their internal policy and I realize that it costs money to have to file that and everything else they have filed. I am okay with paying all those fees and all the other costs I have occurred from the lawsuit having to be filed. Had I know I was going to be garnished I would do anything to stop it. There was a reason I was borrowing against the last funds in my 401k, which 1/4 of that is already being held for the firm, I can not afford any of my bills. I am currently selling my truck which I bought in XX/XX/XXXX before all of my medical issues started so I can pay off all of the medical debt I have incurred as well as all the other debt from missing work. I am willing to pay the firm {$300.00} a month until the balance is paid in full including any new court costs incurred. The balance is around $ 2300-2400 right now which is well less than a year to pay off this debt that I didnt ask for.
XXXX XXXX XXXX has been trying to collect a debt for over {$1400.00} for cell phone service that I am not responsible for. I have contacted them on many occasions to explain that this is a fraudulent account and have requested that it be cleared and removed from my credit report.I do not know the origin or the phone numbers associated with this account.I currently have an account with them that was opened AFTER this debt was incurred.They refuse to remove this debt as being my responsibility.
I went to XXXX to get my report. The Transunion questionnaire was so convoluted and confusing, also discriminatory in nature. I want my free credit report and any information that you are reporting about me. I will challenge and strike down anything incorrect or spreading libel about my good name. The very nature that this company makes you jump through hoops screams of their character and willingness to hide reporting from you.
I debt was removed from my credit report report because I disputed the account. I spoke with the original creditor and their records show my account is at a   XXXX   balance. Also offered to open a new account.     Within the same month the same collection was placed back on my credit, with no notice. I could n't believe it.
Since XXXX of 2015 up until XXXX of 2015 I have been disputing a Capitol One credit card appearing on my credit report. I did not receive this credit card nor did I activate it. Capitol One continuously reports me late even after nine months of phone calls.
Not enough information of validation of debt. I contacted LVNV FUNDING LLC through certified mail on XXXX for validation of debt. They placed collection activity on my credit report without any prior notice on XXXX. the account in question is # XXXX. Collection amount { {$1000.00} }, however I do not owe this debt and know nothing of it. LVNV FUNDING LLC appears to be a third party vendor. I believe they are doing this illegally and want the debt to be removed from my credit report.
I am the co-signer of a Navient ( formerly XXXX XXXX ) student loan for a family member. The loan balance is {$71.00}. I would like to be released from this loan, but Navient requires that the borrower initiate the process. I find this strange because Navient considers this " my loan '' and has harrassed me in the past, when the borrower was late or they needed updated information on the borrower. Your assistance is greatly appreciated.
I contacted Transunion and spoke with a supervisor whom I advised Of 7 hard inquiries on my credit report that were not authorized by Me. I did not request for my report to be pulled by any of the companies listed below. I was instructed by the representative that I could file a complaint on the hard inquiries from the following companies that I will list below. 
XXXX XXXX refused to assist me in disputing the inaccurate information. She refused to dispute or investigation stating that they do not dispute the hard inquiries and that I had to contact the companies directly or if I did not want to do so I could file a complaint. 
My complaint is that Transunion does not have any signed documents that allow them to place hard inquiries in my credit report therefore I would like the removed immediately. the unauthorized Inquiries are as follows - I am Requesting that Transunion Remove the following Hard Inquires from my report. The report number for my Transunion is XXXX 1. XXXX XXXX - inquiry XX/XX/2017 2. XXXX XXXX XX/XX/2017 3. XXXX XXXX XX/XX/2017 4. XXXX XXXX XX/XX/2017 5. XXXX XXXX   XX/XX/2017 6. XXXX XX/XX/2017
TransUnion continues to keep an erroneous charge off from a collection agency, XXXX XXXX. I have already disputed this with TransUnion and it came back as the infamous " that they are reporting correctly '' which they are not. 

To again expedite the process. I have a signed release from XXXX and their original creditor in lieu of suing them for having violating both the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. 

TransUnion again has had more than the allotted time twice to delete this frivolous trade-in from XXXX XXXX! 

I have enclosed the copy of release and expect TransUnion to IMMEDIATELY DELETE and not again send a partial automated response by just " reinvestigating this item '' by their e-Oscar system. 

They care continuously and willfully causing financial harm and I am giving TransUnion until the close of business on the XXXX of XXXX 2016 to have this permanently deleted or I will sue TransUnion both in State and XXXX XXXX. 

Time has run out and they need to be compliant! 

XXXX XXXX XXXX
I received this message today at XXXX XXXX Pacific time : This is a message is intended for my name is XXXX with XXXX XXXX contacting you regarding your file that was placed on my desk as a direct refusal to pay this is the last attempt to reach you and work with you on a voluntary basis you do have till XXXX XXXX Eastern time today to return the ________ event that I do not hear back from your power will be submitted out for XXXX further action XXXX I have no idea who this company is, what is that they are trying to collect, obviously I couldnt refuse to pay if I do not know what is the debt they are claiming.
I had sued Equifax for allowing my information to be used without my consent. So a lawyer got in contact with me about resolving the matter. He said he will put the freeze on my credit. Plus a lock if i dropped the case so i did now everytime something goes wrong with my credit score i call Equifax and they say that they can't talk to me. This has been going on for about a year now. I need help please.
I was advised you guys can help me with a bankruptcy thats on my experian credit. I dont know where that came from because I have never filed bankruptcy and never had a need to. Can someone please help me with this.
I applied for income based repayment in XXXX 2016. My Fed Loans has continually put off processing the application. I have called them multiple times a month for the last few months and it still has n't been processed. They keep saying that if I a pay a {$4.00} bill it will get processed. At first the bill did not come for a couple of months despite calling repeatedly and asking about it. Now I have paid the {$4.00} bill twice and still my loans have not been processed to income based repayment. Fed Loan Servicing keeps putting my loans in forbearance allowing interest to accumulate at an astronomical rate. My wife 's applied at the same time in XXXX had her loans processed in 2 weeks by XXXX XXXX XXXX. No matter how many times I call and they promise it will go through nothing has happened.
XXXX XXXX XXXX says I owe them {$140.00} as of the status date of XXXX. I have NO idea about this debt whatsoever, and moreover, I dispute it. When I tried to contact the company, I was told they could n't find my information. 

Also, XXXX XXXX XXXX says I owe them {$490.00}, as of the status date of XXXX. I have once again, received NO information regarding this debt, and have not been able to have anyone contact me on the phone when I tried to call this company twice. They told me someone would return my call. No one has.
This company does not have permission to place a collection on my credit file, nore do I have any accounts with a XXXX XXXX and never have. I received a very obscene phone call from a person by the name of XXXX. He told me I have a debt come XXXX XXXX and I needed to pay him {$500.00} now over the phone this call was onXX/XX/2018 and if I didnt then he would place it on my credit. I told him that I DONT or have I never had any accounts with that company. I advised him that he would need to send me proof and he then he disconnected the call. I woke up the next day with a notification stating this company has placed a debt on my credit file and the date was opened in XXXX. I have spoken with a attorney and it has been determined that this company has illegally placed a debt on my credit and it needs to be removed.
I opened a checking account with Bank of America last year with the promotion of {$300.00}. I finished the requirement and confirmed with the customer service member. The endorsed that I had finished it and should just wait for the bonus to post. But I have never received this bonus ever since. When I was checking with the customer service people again, they refuse to admit that I was qualified for the promotion.
They call all day long even after XXXX. The call while I 'm in class and I 've been kicked out of class several times because they call back to back and it disrupts my class! They all weekend as well!
XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. Equifax XXXX Experian Re : Inaccurate accounts & Unauthorized inquiries, claiming I owe, threatening to take me to civil court. To whom it may concern : You have continuously reported inaccurate accounts and unauthorized inquiries on my credit file. I am in distress, I have contacted the police department to file a police report against all companies I have listed below, I have also contacted the Federal Trade Commision informing them of the violations that you have violated me as a consumer within the laws of The Fair Credit Reporting Act, The Debt Collection Practice Act Sections 1929 ( e ) which clearly states that any information known to be false can not be reported to any credit bureau. I also received a letter in the mail claiming that i owe a debt to the above collection agencies. Since this is an error, I request that you send me the following proof that you are obligated to do in accordance with The Debt Collection Practices Act section 1692 ( g ) A. The original Application or contract. B. Any and all statements allegedly related to this debt. C. Any and all signed receipts. D. Any and all cancelled checks. Under the law you have 30 days to supply this proof, in addition do not contact me again by phone. From now on we will communicate through mail. I request that you immediately delete this information from my credit report. Please send me a copy of my updated credit report as soon as the above has been completed. Sincerely
On  XXXX / XXXX /2017, A new collection account appeared on my Experian credit report. Reported by agency   XXXX   XXXX   XXXX  . (  XXXX  ) in the amount of {$88.00}. Original Creditor was  XXXX . I did have an account with  XXXX , but was paid in full when i closed the account and switched providers. I never received any bill, call, email or any notification that I still owed  XXXX  anything. On  XXXX / XXXX /2017, I contacted  XXXX  by telephone and was informed that I owed for an unpaid amount. I asked why I was never notified of this debt by either agency, and was informed they didnt know, and that I should have definitely been billed or contacted. I was also informed that   XXXX   had given   XXXX   the contact phone number I had originally provided when I signed up for their services, which has not changed, so I know that had they wanted to, they could have easily contacted me. Had I known they wanted more money, Id likely have paid them immediately as I have been working on my credit. No attempts in any format were made by  XXXX  or  XXXX  to contact me and inform me of any outstanding balance. My phone number has not changed, and I am rather easy to contact. Fair notice was not given to me by either company before this mark was added to my credit report.
Today, XX/XX/XXXX, I check my XXXX XXXX account to see that the items that I did not authorize has not been removed from my credit reports ( XXXX, XXXX and Experian ) after taking the necessary precautions to deleting the unauthorized the accounts. I found out that these accounts were placed unauthorized by my ex husband after our divorce in XXXX i have been trying to remove these accounts since on or about XX/XX/XXXX. I disputed the items by phone and by certified mail. Each time they would send me a automatic letter stating that the items were verified but nothing was given to me in writing of proving that these accounts were mine. Once I notified them of this I was notified to get a police report stating my identity theft from my ex husband placing these accounts in my name. I went to my local police department and retrieved a police report. At the time it was a summary. I submitted the police report back to XXXX, Experian and XXXX along with my certified letter to remove these items and notifying them that I did not authorize these items. In XX/XX/XXXX I called the credit bureaus to once again notify them that I did not authorize these accounts due to my ex husband and the lady told me that I had the wrong police report that I had to get a full police report and once they receive that then the following accounts would be removed because I took the necessary steps to remove these accounts. In XX/XX/XXXX I went to the police department to receive the full police report and on XX/XX/XXXX I faxed my certified letter along with my full police report to XXXX, Experian and XXXX. The following accounts that are unauthorized and are charge off accounts are : XXXX XXXX XXXX for the amount of {$23000.00}, XXXX XXXX XXXX for the amount of {$9600.00}, XXXX XXXX for the amount of {$5100.00}, XXXX XXXX for the amount of {$4900.00}, XXXX XXXX XXXX for the amount of {$2500.00}
5th 3rd Bank bought the servicing rights to my loan early last year ( XX/XX/18 ). I was informed in writing that nothing else would change with the servicing of my mortgage loan. The prior servicer, XXXX, provided me with a written document of my escrow balance and the payments for the year prior to the sale. 5th 3rd should have received all this documentation during their purchase of servicing rights. 

To my chagrin, I found out in XXXX that 5th 3rd had not paid my flood insurance premium in XXXX ( $ XXXX/yr ) even it was clearly part of the escrow balance documents. The way I found out about their error was that they called me in XXXX telling me it had lapsed. My discussion with them was that it shouldn't have been missed since it was their responsibility as the servicer to assure the escrow was properly handled. I immediately called my insurance company ( XXXX ) to find out what could be done. 

During my conversation with my XXXX, they told me that my area had been re-rated by FEMA.. Because of the re-rating, I wasn't required to have flood coverage anymore and they provided me with the documentation. XXXX also told me that if I wanted to keep flood insurance my rate would drop to $ XXXX/yr. So I called 5th 3rd back told them that I didn't want the flood coverage anymore since it wasn't required and provided the documentation of FEMA 's re-rating. They then sent me a letter saying that they instituted flood coverage and the bill would be $ XXXX/Yr! 

I have been diligent with dealing with 5th 3rd to resolve this issue, but they have not done so. I have all the documentation regarding this issue and provided those documents to 5th 3rd. They failed to service my mortgage escrow properly by not making the flood premium payment for 4 months and then they try to charge me $ XXXX/yr even though I am not required to have it anymore. Furthermore, I have told them that I did not want to have flood coverage anymore.
I am co-signed on student loans with my brother-in-law. He is struggling to make the payments and I do not have the money to make the payments. I have told them this in the past and they start calling me shortly after XXXX and repeatedly call me every hour all day.