WillisBack/dataset-financial-user-claim huggingface dataset:
On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.
I visited a clinic run by XXXX XXXX in XXXX XXXX. I paid in cash for a throat culture. At the time I was living in XXXX. 
In XXXX XXXX I moved to the US and continued to use XXXX XXXX in XXXX for several things, paying in full with their online system. 
In XXXX XXXX I was moved back to XXXX by my company. I called XXXX and ensured all bills were paid. Everything was ok. 
In XXXX I received a bill for the visit in XXXX XXXX. I called to dispute it. In XXXX XXXX they turned it over to a collection agency. When I called this time they said they had been trying to collect since XXXX XXXX. When I proved further the lady on the phone said that the throat culture test I had did n't even cost this much and she would look into it. She never came back to me. I followed up in writing using their online system. They said they do n't have a record and as I did n't save the receipt ( from nearly 2 years ago ) I needed to pay. 
I followed up again with them and the collection agency to discuss in XXXX. Neither had record of the bill. 
Now in XXXX XXXX I am being contacted by another collection agency to pay this XXXX .
I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX
On XXXX me and my wife filed a Charter XXXX on US Bankruptcy Court with Case No. XXXX, then by XXXX US Bankruptcy Court given us the " Order Discharging ''. First Bank of Puerto Rico was part of the " Secure Creditors '' with 2 Auto Loan Accounts, both Autos where delivered to them. 

After more that 3 years, First Bank of Puerto Rico still continuing reporting that we have a debt. Last reported was on XXXX XX/XX/XXXX where they reported two Auto Loans as a " Collection/Charged off Account '' on XXXX  and by XXXX XX/XX/XXXX and XXXX XX/XX/XXXX they reported the two same Auto Loan as a " Collection/Charged off Account '' with XXXX. 

I had tried too many times to resolve this OLD issue, I have called them and also through these 2 credits bureaus. They have told me that they will not change nothing because is the way that they do in Puerto Rico. 

These 2 error have impacted negatively my Credit Score creating higher interest loan for my Auto and my House that I just bought, also I have had some Credit Card decline applications. 

Please need your help to fix this immediately. 
Thank you very much!
On XXXX/XXXX/XXXX, my American Express ( AMEX ) account was charged for a purchase I did not authorize. AMEX allowed a purchase to be made in the amount {$840.00}. The charge was for a software subscription from XXXX XXXX. I was not contacted by AMEX which is my request that I always be notified of a transaction that is large ( $ ) and any transaction where my card is not present. For every transaction that I have made on my account AMEX abides by my wishes-except in this case. I have disputed it since XXXX and each dispute has terminated with AMEX accepting the XXXX argument that this is a subscription and they have my card number. The card number used is not my card number. The person named as the subscriber is " XXXX ''. That is not my name. AMEX continues to ask me to resolve the matter with XXXX XXXX. I can not. I have no status with XXXX, and I can not get past their initial screen with a PIN since I do not have a subscription to this software. In fact, it seems nobody does. " XXXX '' is unreachable. My ability to handle this matter is stifled by AMEX 's inability to accept my arguments and my inability to deal with XXXX sales to try to resolve.
-XXXX XXXX and I signed the submitted Financing Agreement for 48 Months on XX/XX/XXXX. After a brief correspondence I knew all dealings concerning the arrangement would be dealt with by Equitable Acceptance. 
- At no other time was I contacted by XXXX XXXX, only Equitable Acceptance ( resp. known now as XXXX and EA ), and then by  monthly surface mail. 
-Late XX/XX/XXXX I gave EA notification that I was unemployed at the time due to XXXX and doctor 's notice to take a leave of absence for recovery. I knew at the time that XX/XX/XXXX 's payment had to go through because it was short notice, but asked for a 6-month period of grace on further payments. 
-First, I received a repetitive response of staying committed to making the payments, regardless of my ongoing status, then I was put on hold for close to an hour waiting for a " supervisor '' to give me a response of any kind. 
-Finally I was assured that the company will not withdraw from my account until XX/XX/XXXX, at which time I would correspond with them and inform them of my current status. 
-Funds have been withdrawn from my account since XX/XX/XXXX to the tune of {$270.00} ( {$39.00} a month ). I had contacted my financial institution ( XXXX XXXX XXXX ) to put a stoploss on the acct, but was informed they were unable to do so because banking information on the company 's end was not accessible. 
-Since then, I received correspondence by mail as well as by telephone from XXXX XXXX. Their claim was to file with them for recertification, a process which I was not aware of nor considered how important it was concerning my loan status. 
-It was at this point I was looking for a way to cancel this entire process. Not until I had received correspondence from XXXX concerning payment due did I come to realize all of my correspondence and transactions were with a company of reputable or credible standards.
This is not the first time that I've contacted you concerning the following. I am a XXXX year old widowed XXXX senior citizen who is a Victim of Predatory Lending since XX/XX/XXXX. My niece who is My Power of Attorney, Attorney-in-Fact who handles all my affairs is writing this for me and has assisted me since XX/XX/XXXX. 

I've applied for help since XX/XX/XXXX, after being told that if I didn't pay the next full mortgage payment, not to send anything less then what they asked for. It unfortunately turned out to be much more then I could ever afford! I am also responsible to pay the entire Water ( $ XXXX/month ) and Electrical bill ( {$600.00} ) for the 2 family house besides my other bills. 

In XX/XX/XXXX, I went to The Neigborhood Housing Services of XXXX XXXX for help! I was told after their reviewing of my Mortgage Agreement, that I was in fact a " Victim of Predatory Lending ''. They said, there wasn't a single page in my agreement that provided proof of my financial ability to pay this mortgage in the first place. 

I have been to Court several times since then and was told by " TWO '' Court appointed Attorney 's ( I have proof in an email from one ) that it was in fact " Predatory Lending ''. I have submitted since then almost 10 Loan Modifications per year and have been consistantly rejected. 
Just recently, I recieved once again, a Notice of Sale for Judgment of Forclosure dated for XX/XX/XXXX ( this was sent regular mail in late XX/XX/XXXX and there is no date on this paper ). 

In XX/XX/XXXX, my niece spoke to a XXXX XXXX from Bayview Loan Servicing , LLC and was informed by her that I was to wait until my new Social Security & Pension comes in XX/XX/XXXX so that I would have more money to apply for another Loan Modication. So we waited until the following transpired. 

During the Month of XX/XX/XXXX my first floor tenant was approached by someone possibly from Bayview Loan Servicing that my home was in Foreclosure. She then decided that she was going to leave and break her Lease Agreement, because of her feeling threatened. 

While attending the many Court appearances, I was told by the Judge that  as long as my tenants ( 2 apartment lessee 's ) had a two year lease, they were safe! But, when people come to my home and speak to my tenant 's they become scared and either decide to leave or not pay rent. This is not fair and has been going on since XX/XX/XXXX. 

Since that time I have contacted XXXX XXXX who informed me that she is no longer assigned to my case to please contact XXXX, an Assessment Manager @ Bayview. I have left messages consistently since then with no response from her or from Bayview? 

Please note that CFPB has every single detail of my dilemma on file! 

Please help me to keep my home!! Your prompt assistance in this matter will be greatly appreciated, because I don't know what to do next! 
Thank you ... ... ... ... ... ... ..
Paypal banned me for life because they say I violated their Terms of Service. I added money to my account using their XXXX cards and spent it using my Paypal Debit card. They previously gave me a " warning '' against getting cash back at the grocery store so I avoided doing that. In the end, buying a pizza and clothes for my kids got me a lifetime ban from Paypal. I explained that I 'm feeding and clothing my kids but their phone agent could n't care less. She had a sarcastic tone and I could hear her rolling her eyes ... .. 
When they point to an opaque wall of text XXXX to justify hurting my family over nothing it makes me angry. If they 're trying to fight money laundering or whatever they 're doing a lousy job.
GILA Corp ( XXXX ) XXXX  has attempted to collect a debt from me in the past that i found out was not mine at all. Upon my request, Gila Corp provided more details about the debt and i determined it was someone with my same name, but was not me. I proved this to them by telling them this person had a different birthday than mine, we only shared a name. The agent confirmed they would no longer call me or pursue this debt with me, but fast forward a couple years and now theyre back at it, calling my home 3 times a day. I do not feel that i should have to argue with them and prove to them my identity every 2 years in perpetuity, they need a better way of verifying identities of the people they harrass and not just blanket call everyone in the USA who shares the same name, hoping that theyre scare tactics will cause multiple people to pay a singular debt of someone they have the misfortune of sharing a name with.
I had my mortgage with XXXX Mortgage and now it has been transferred XXXX, which is serviced by ServiSolutions. I was not notified of the transfer until the transfer had already happened, and my mortgage payment that I scheduled for XXXX XXXX, 2016 ( which was due XXXX/XXXX/2016 ) did not go through to XXXX because they had already transferred it from that point. I have received nothing from ServiSolutions and have n't been able to pay through them via their site or phone because neither have worked for me ( the site is saying they do n't have my loan and no one is picking up the phone ). I only received a letter from XXXX on XXXX.
until XX/XX/XXXX I was making loan payments to navient every month through automatic withdrawal/payment. what I did NOT realize ( because I thought I was in good standing ) was that they were charging me a late fee of at least {$6.00} every month ... even though it was an automatic payment every month. I asked them to fix the issue and reimbursement the late fees bit they would n't so I told them I would stop paying them. now, I am unable to view my account history in full to prove my case ( account history stops at XX/XX/XXXX ). I believe that the late fees accrued nearly every month from the time I set up auto payment ( but I am unable to see my entire account history on their website ).
At the end of  XXXX   2017 , I applied to have my cosigners released. I submitted a complete package on  XXXX   XXXX ,  2017 . I spoke to the customer service department on  XXXX   XXXX ,  2017  ( a  XXXX  with the id code of  XXXX  ). I was told by  XXXX  that the notes on my file indicated that on  XXXX   XXXX ,  2017  my complete cosigner release package was under review. I was told I would have an answer  in 10 business days. I have not received an answer. I tried calling Navient today, and I was placed on hold for 15 minutes without anyone providing an answer on the status of my cosigner release application.
Refinance home in XX/XX/2018 and pending escrow overpayments from previous mortgage lender. Payments released in 2 payments per lender, but larger payment in amount {$520.00} continues to be withheld by lender for no valid reason. I have made multiple calls regarding payment and advised each time that payment should be received in 7-10 business days. Calls made beginning XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Still being informed by agents that check will be issued I will receive in 7-10 business days.
I have a student loan with  XXXX  ( now Navient ) since  XXXX . I have struggled with making payments since I got the loans and still walked out owing when I was left with no degree or certificate. I have attempted borrowers defense and the only  discharged  the  XXXX  from  XXXX  being closed. I ended up filing bankruptcy  XXXX  and this STILL is the only debt I have. They never advised me of the  IBR  until  XXXX  and even the interest is increasing my loans and effecting my  credit score . I filed a complaint with Ombudsman that mandated they remove my payment history from  XXXX / XXXX / XXXX  back t  XXXX  and they still wont remove the history. I do not feel I owe these loans and have failed to help manage them since  XXXX . The loans went from  7,000  to now over 12,000 over the course of  XXXX  years. They have multiple accts listed making it look like there are more loans than there actually are. And I have done disputes on my credit report and still not rectified. They advised me to consolidate the loans now they are listed under  XXXX
None of the security questions Equifax asks apply to me - the answer is always None of the Above, and then they say that 's wrong and I am unable to obtain my credit report or file a dispute on an item I know is in there. ( I can see it via XXXX XXXX. ) There are tons of other reports of this exact thing ... It seems like a deliberate barrier that Equifax is putting up.
XXXX added an extended 7 year fraud alert on my credit file. In their letter, XXXX wrote it would contact TransUnion about the extended fraud alert. I did not receive a notification from TransUnion. Thus, I faxed the letter from XXXX to TransUnion. Again, I received no response on the matter from TransUnion.
I found a collection debt on my reports from XXXX XXXX XXXX. I contacted to validate debt and informed it was sold/ '' now owned '' by a law office local to me and that they could not talk to me any further about the account. Upon contacting the law office I was informed that their was a judgment ( {$870.00} and higher than what was showing on my reports ) against me and they did validate it. I offered to pay in full right away over the phone and documents/everything in writing was prepared saying debt was settled/paid in full. They also stated that a writ of garnishment was sent to my employer, but that they would immediately send out a termination of garnishment letter to my payroll dept. 
Well, a week later I receive a letter from my payroll stating a garnishment will be talking place with other supporting documents of court judgment and local court house I must contact to file an objection. I immediately contacted the court for an objection and my payroll was faxed all my supporting documents to stop this, only to be garnished less than two weeks after I paid. I was also still showing an open account from XXXX XXXX on my credit reports with a higher balance!? I contacted the law office again and they stated it was up to Midland to report to credit agencies and stop my garnishment, but they had sent all paperwork to them? 
I have also disputed my reports with all three agencies and they state that the account in question has been verified as accurate and just " updated '' it which now re-aged the collections account and total debt owed?! 
I have also contacted Midland through their web portal dispute my account that now shows a {$60.00} balance still owed?! They have not responded! 
This is harming me trying to get new rental/home leases!
In XX/XX/XXXX I purchased an acreage. I had borrowed through XXXX XXXX XXXX as a first time home buyer. It was a FHA Loan. My taxes and insurance is all escrowed as well as the PMI ( private mortgage insurance ) In XXXX the PMI had come off my mortgage. Making my payment somewhere around XXXX a month mark. In XXXX I decided to refinance to take advantage of lower interest rate. The refinance was with Nationstar Mortgage. Who now is Mr Cooper. Since refinancing the PMI had went back on my mortgage. Since my refinance my payment has significantly climb to up over XXXX a month. Yet my mortgage balance does not not decrease. Last year at this time Nationstar mortgage told me in XX/XX/XXXX the PMI would come off. Mr. Cooper associates tell me that im not eligible now. Ive lived in this house I purchased for 8 years now. Never missed a payment, was never late. My mortgage balance doesnt seem to decrease How ever my payment continues to go up and up. I feel as if something is just not right. Ecspecially after being told by Nationstar before switching names ... that the PMI would fall off in XX/XX/XXXX.
On XXXX XXXX, 2017 I personally found out that my identity may have been compromised. Equifax did not properly secure my protected personal information from intrusion, such as through appropriate patching, 2-factor authentication at the point of service, segmentation of data, etc. As such, it appears my full name, Social Security numbers, birth date, addresses, and possibly driver license number is cross-matched to each other and in the hands of criminals who can use this data to breach any number of accounts in perpetuity such as my banking and financial data, medical data, legal complaints, political data, and any other number of sensitive accounts. 
Further, I am unable to secure these accounts because they ask for the very personal information that is breached in order to verify my identity and approve a change. 
Equifax is currently offering a limited credit monitoring service, which does n't even activate immediately. Even this had to be sought out by those who see the news reports, follow the news links to the Equifax page, which in turn link to a shady third-party website asking for 2/3 of one 's social security number plus last name and a waiver of all class action recourse in order to discover if one is among the breached accounts, only changed to waive class action recourse from the third party site if it too is breached with the sensitive data it is querying once the news of this spread. This is insufficient to the need created by their negligent protection of my information, which I did not give them myself, but which they curated as their business from other businesses.
Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.