WillisBack/dataset-financial-user-claim huggingface dataset:
Rec letter fr Midland Credit re : XXXX saying I had a balance of {$700.00} in a debt collection acct that could be settled for {$420.00} if I paid now. According to a call I made to, XXXX XXXX XXXX XXXX this was for a 2008 acct. MCM acct XXXX. Orig acct XXXX. 
I 'm do not owe this. I currently have XXXX accts with XXXX that are current, I have contacted my local XXXX store, but not much help. This may be a scam. Please, I need some help.
I am a XXXX subscriber for both cell phones and FiOS, and have been for some years. XX/XX/XXXX, I planned to initiate XXXX XXXX XXXX in XXXX only to receive military orders to XXXX in XXXX. I explained that I had received military orders and that I had to cancel my planned XXXX XXXX installation through XXXX Customer Service, which properly processed the cancelation according to federal law, specifically the Soldiers and Sailors Relief Act of XX/XX/XXXX as amended. I was assured that the cancellation was successful and that I owed nothing. In fact, I never received any XXXX equipment, nor did I ever initiate service, nor did I ever have an installation performed, nor did I ever lease the apartment I had anticipated having XXXX XXXX because of the military orders I received. All was well. Upon arriving in XXXX, I contacted XXXX XXXX to contract for service, schedule installation, and open an account. That installation and contract proceeded very well and I had no complaints or issues. However, by XX/XX/XXXX, XXXX began billing me for the amount of {$1200.00} falsely alleging that I had not canceled service and falsely claiming I had received equipment that I did not in fact ever receive. I spent many hours on the phone with XXXX, especially after XXXX improperly reported me to the credit bureaus as having been delinquent in my payments. In fact, I had a XXXX account, and my payments were current, and the account in XXXX had never been opened and was canceled properly under XXXX and federal law. I even sent a copy of my orders to XXXX, which apologized profusely XX/XX/XXXX and removed the account from my credit report and ceased improperly billing me. I have had no issues for nearly a year. In XX/XX/XXXX, I received orders to return to XXXX, and I transfered my XXXX XXXX account and all my XXXX equipment with me. I am a current XXXX customer in good standing. This bill that I am being presented by Southwest Credit is in error, and XXXX knows very well that I do not owe and that this account was never opened. If XXXX sold this account to Southwest Credit, XXXX did so in violation of its own policies, in violation of XXXX law, in violation of the Fair Credit Practices Act, and in violation of the Soldiers and Sailors Relief Act. This is an illegitimate bill and Southwest Credit is engaged in debt collection fraud in attempting to collect on an amount I do not owe. This is outrageous and Southwest Credit continues to call me despite being told to desist and that I do not owe anything. I want Southwest Credit to desist from attempting to collect this fraudulent debt, and I want Southwest Credit prevented from attempting to extort me by reporting this illegitimate debt to credit bureaus. XXXX has a terrible reputation for engaging in such business practices, as does Southwest Credit, and I want both companies to be admonished and to cease attempting to collect this illegitimate debt.
A branch specialist at Citibank made an unauthorized teller withdrawal on my checking and savings account. I filed a fraud claim with Citibank, but they denied it due to a lack of evidence and said the decision can not be appealed. They also can not further investigate the matter because the branch in question is now permanently closed. If Citibank would pull up the security footage of the incident, it would clearly show that I was n't present for any teller withdrawal and did n't withdraw any money. What other options do I have to recover my money?
On XXXX XXXX, I received a notice from Bank of America , NA. Attention : Default Servicing, from the XXXX office. In all caps, it used legal titles of the loan successor, etc, and then in the bottom XXXX of the front page - in BOLD and CAPS " IMPORTANT RIGHTS FOR HOMEOWNERS NOTICE OF PRE-FORCLOSURE OPTIONS '' ( and continued with ... ) " You must respond within thirty days of the date of this letter to take advantage of your rights. IF YOU DO NOT RESPOND within thirty days, a notice of default may be issued and you may lose your home in foreclosure. '' ( there is more that follows ). The letter is dated XXXX XXXX - nearly XXXX of the time to respond had already passed by. 
I became panicked but had to wait to the following day to get through to Bank of America 's debt collection office. After review of my home equity line of credit, the agent XXXX ( employee # XXXX ) assured me there is nothing with the account that is cause for alarm or includes a threat of foreclosure. I shared with her my alarm and criticism of the format of the letter. I also thanked her for assuring me that my account was ok. 
Also on XXXX XXXX, I 'd missed a registered mail piece from Bank of America on the same day this letter had arrived. I picked it up at the USPS later on XXXX XXXX and found that this piece, for which I had to drive to the local post office and sign, was the EXACT letter I 'd received the day before.
In review of my credit report I noticed that a " XXXX XXXX. '' was reporting a delinquency on my credit report. Per the attached Office of Comptroller of Currency Document provided to me by XXXX XXXX Bank XXXX, XXXX XXXX XXXX ceased to exist XXXX XXXX, 2011. I disputed the apparent fraudulent reporting by a non-existent entity and " XXXX Bank '' responded, a trade name. They changed the reporting to " XXXX XXXX Bank ''. The Problem? XXXX Bank and XXXX XXXX Bank are trade names and therefore can not legally conduct business in regards to contracts. Remember " XXXX '' and XXXX? If XXXX XXXX Bank XXXX. is the legal entity they must be the reporting entity. We can not assume this without proper documentation from the legal entity which may or may not be XXXX XXXX Bank XXXX. It appears that some un named entity is " Intentionally Misrepresenting '' who the legal entity is? ( fraud ). I ask that the CFPB force the legal entity to be identified, if possible, so I may work with them to resolve. If it is XXXX XXXX Bank XXXX. I would think they would have initiated the reporting and would have responded. Not XXXX Bank that exists as a trade name only per the attached. I was told by the credit reporting agency, Experian that it would take up to 60 days to have a response to my concerns of " XXXX Bank '' trade name conducting business as if a legal entity.
No filed CFPB and letter to credit reporting company at the same time. copy of credit report with marked and highlighted incorrect data on 90 percent of report sent to credit report company.
Each Credit Reporting Agency continues to show credit inquiries when we have not authorized the companies to pull our credit.  I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
I took out a loan XXXX/XXXX/XXXX in the amount of XXXX with a XXXX dollar finance fee. The loan defaulted after that and was sent to their corporate collection XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX was sent to a third party debt collector called XXXX XXXX XXXX. I can no longer way check into cash for this debt and have to deal with XXXX XXXX XXXX. It is my understanding once sent to a third party collection that your loan needs to be close in the XXXX XXXX XXXX. It has not been close and it is over a year later
Good morning my name is XXXX XXXX I have a mortgage with wells fargo for my house that I live located at XXXX XXXX XXXX XXXX PA XXXX on XX/XX/XXXX2015 I apply for a home load modifications I provide all information requested wish I am enclosed here for you review XX/XX/XXXX2015 I received a letter of denial for my motification base on my income please note my income as I prove it on my documents are about {$2400.00}. a month and my expenss are over {$4400.00} a month I do n't see a reason why my modification can be approved when is clear I have a higher expense then income please I need your help to review this denial I want to keep my house and I want to have the help of my modification to reduce my monthly mortgage payments at my house it looks to me wells Fargo want to foreclose my house so they can make more profit see documents enclosedXXXX XXXX
Transunion, shows me owening a debt to XXXX, XXXX, debt is not mind, I have contacted XXXX which states that I DO NOT OWE them a debt. Upon Contacting Transunion, They state that another company has filed on XXXX XXXX behalf.
Bank of America tried to let CFPB case to close, then they recharge me again the same amount that I dispute about it. 
So bad customer service I'm receiving from this bank. 
I'll try to reach to the highest financial organizations and government level to write a claim about this bad financial institution customer service as I spent almost one-year doing phone calls or visit the local branches to redescribe the entire situation. 

The transaction happened in XX/XX/2018 by Hotel in XXXX . 
After " solving the problem '' my bank recharge me again on XX/XX/2018. 

Thank you,
This company, Portfolio Recovery calls me several times a day between the hours of XXXX. They use 15 different numbers a week and it changes all the time. I have over 78 different numbers from them blocked on my phone right now. They are rude, swear at men, they harass and threaten me with jail time if I " don't give them money they are trying to collect a debt TODAY! ". When I requested they send me everything in writing they said, " XXXX XXXX XXXX XXXX ~ We do not have to do that! '' I hung up. I have stopped answering their calls. They never leave a call back number. I do not owe them any money. I have never gotten anything from them in writing, in the mail.
Over the summer, my wife and I discovered some inaccuracies on our Equifax credit report. 2 months ago to the day, we wrote Equifax asking them to investigate the errors. 60 days have passed without a response, and they are supposed to respond within 30 days.
Late Payments are reported on my Navient Account for months in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and in the year XX/XX/XXXX in XX/XX/XXXX. The entire time this account with another company and in forebearance for all ofXX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Navient bought this account in XX/XX/XXXX so  how they be reporting lates from XX/XX/XXXXand early XX/XX/XXXX? I asked the credit bureaus for verification as well as Navient and not response. 

This is an error and a violation of the FCRA. I have made every payment ontime to Navient since they took over. 

Please remove these erroneous late payments kind regards, XXXX
I sold Bitcoin through Coinbase and their system claimed to have completed the wire deposit to my bank account on the same day, XX/XX/XXXX. The amount total is {$2900.00} after fees. As of submitting this complaint, it is XX/XX/XXXX. I have reached out to them several times trying to get an estimated date of the arrival of my withdrawal. At first I received an automated response telling me that wires would be delayed up to 10 days, which is clearly not true. After the 10 days passed, I reached out to them again and did not even get a reply. They have provided no transparency as to why I can not get my funds from that transaction.
On XXXX XXXX, XXXX, a representative from XXXX XXXX issued a Scope of Loss that provided itemized details of how the claim funds provided were to be dispersed ( see attached ). On lines # XXXX and # XXXX of the Scope of Loss, XXXX was the named party and were to be paid {$4900.00} and {$7000.00}. On line # XXXX, XXXX XXXX also provided claim funds in the amount of {$100.00} to " stain and finish wood window ''. Per the Scope of Loss, XXXX should have been paid a total amount of {$12000.00}. 
On XXXX XXXX, XXXX, a representative from M & T Bank sent a letter confirming that the signed contracts they received from XXXX was for the amount of {$11000.00}. ( See paragraph # XXXX ). This letter also provided a breakdown of how they issued the claim funds that were received. 
According to the breakdown that was provided, M & T Bank issued funds to " XXXX '' on XXXX XXXX, XXXX in the amount of {$5900.00} and XXXX XXXX, XXXX in the amount of {$3500.00}. Between XXXX XXXX, XXXX and XXXX XXXX, XXXX, a total amount of {$9500.00} was issued to XXXX by M & T Bank. 
When XXXX XXXX sent claim funds to M & T Bank, it was accompanied by the aforementioned Scope of Loss. M & T Bank also received a copy of the signed contract from XXXX. M & T Bank has admitted, in writing, that they have only issued claim funds in the amount of {$9500.00} for XXXX. If M & T Bank received a contract from XXXX for the amount of {$11000.00} and a Scope of Loss from XXXX XXXX indicating that XXXX was to be paid {$12000.00}, then there is no less than {$2400.00} due to XXXX. Unfortunately, M & T Bank has refused to pay this amount. 
M & T Bank had a fiduciary duty to ensure that the funds provided by XXXX XXXX were issued appropriately. Unfortunately, as of XXXX XXXX, XXXX, M & T Bank has failed to fulfill their obligation to responsibly care for and protect the asset located at XXXX, Illinois XXXX. This misappropriation of funds is illegal and is a felony. 
I have been getting the runaround about these funds for over a year. This is my final attempt to resolve this issue with M & T Bank before I begin to file complaints with other authorities who take this very seriously.
Discover called my employer and co -workers multiple times, trying to find out what my personal cell # was and personal ifo about me, They ask a male coworker if he was my boyfriend and did he live with me. Continued to call these same people after Being asked to stop.Excessive contact on my home phone.When I changed jobs they started again with the same behavior. I have proof of who they called.
My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.
The XXXX of CA mistakenly charged my checking account for unpaid taxes, which they later cancelled. Wells Fargo refused to refund the charges for the garnishment so my account is negative {$120.00}. ( Please have someone call me that speaks XXXX. A translator helped me submit this complaint. )
On  XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to   XXXX   XXXX   in the   XXXX   XXXX   for my wife to receive on  XXXX - XXXX -2017. All the money never made it to   XXXX   XXXX  . After my wife spent two days going to   XXXX   XXXX   and making phone calls we found out that Sun trust bank sent my money to   XXXX   XXXX   and   XXXX   XXXX   sent the money to   XXXX   XXXX   and   XXXX   XXXX   charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why   XXXX   XXXX   were allowed to help themselves to my money without me knowing anything.
I will try and be brief as possible as there are a lot to this complaint. I have been fallen victim to zombie debt and banks selling bad credit card debt and robo-signing court documents. I have been forced to pay on debt when I have made it clear I had NOT seen, heard, had any correspondences or seen any statements or burden of proof I owe debt. I have fallen into the system by default due to the tactical advantage of debt collecting lawyers. I was intentionally mislead to obtain a default judgement. I have not seen anything or any statements of said credit card and I have not heard from them on any debt I owe for over 12 years. Last I knew I paid the debt and I cut up my card back in XXXX or XXXX. I never paid on this debt after that since I had not known I owed anything at all. Once I was able to obtain any statements that are specious in of itself especially since there were XXXX different account numbers from same original banking institution of record. Only XXXX account number was referenced to from debt collectors as breach of contract and the other account number is what the bank of record has as my account with them. Even the banking institution shows nothing on file only that I had held an account there in the past and account number if the bank wanted to know more info they even had to call card services to obtain any information. Please reference my attached documents and my response to the court once I obtain statements.
Currently I have 4 private student loans with Navient when I first began with Sallie Mae in XXXX for XXXX School. I currently have 3 co-signers for my student loans. I have been paying them back since XXXX at first when I graduated from XXXX in XXXX I placed my loans in forbearance costing me {$50.00} per period which was 6 months. When I was no longer able to put the loans into forbearance because Navient would not allow me to I was forced to begin paying the loans back however I was not able to afford the monthly amount, I then in XXXX began the rate reduction program which lowered my interest rate for each loan for a period of 6 months which helped me reduce my loan payments. The issue remained that all though I was in the rate reduction program the payments were only applied to the interest only and not very much to my prinicpal once the program ended and I had to reapply the monthly payments went back up and so did the interest and this continues to happen. XXXX of the requirements of the rate reduction program was that I had to submit my income statement but my co signers were not required this was fine however recently when I attempted to reapply for the rate reduction program they are requesting my co-signers to submit income statements and they are refusing because this was not required before and also I have been the only one making the payments. I am now several months deliquent on my loans because I can not afford to pay for the minimum due which is XXXX per month and Navient is refusing to assist with lowering the cost without my cosigner information. This is predatory and they have gotten several thousands of dollars on my student loans over the years and have not truly been applying the payments to my prinicpal so how was the rate reduction program truly helping me but actually causing me to go further into debt and not lowering the debt. Their lending practices are predatory and they continue to call and offer assistance to lower payments but will not work with me to lower my payments or a program that will get my balance down. i have been paying Navient for the last 5 years and not my actual loan amounts.
Equifax, XXXX and XXXX are not doing their jobs. They say I have three charge offs or 30 days past due. Incorrect information on my credit file, I have been fighting these on ym credit for years and these agencies do nothing when I call in and Equifax will not even give me my credit report, they have cost me two jobs, I want it to stop. XXXX XXXX XXXX is reporting that I have been 30 days late, that is not true and my account ahs not been with them for over a year. XXXX XXXX  are scam artists, I paid on that loan for 4 years and it never went down, they can not even show me my original loan papers I did not agree to those terms of the loan and they never told me ti was a second mortgage, the loan ahs been sold several times. I have no paperwork, it has been over 13 years on my credit originated in XX/XX/2006. This should be off of my credit. XXXX XXXX is reporting 30 days late, I ahve never been late. XXXX XXXX/ XXXX , I woe them nothing, I ahd insurance and the phone shuld have been paid off, XXXX balance. I have a {$28.00} charge from XXXX XXXX, I owe them nothing. I have a medical bill for {$150.00}, I owe them nothing, I now nothing of this bill. All of these credit reproting agencies I ahve disputed all of these items and thye still kept them on my credit and did nothing. They deny me a credit report even after the job did not hire me or I was denied credit. I ahve another company looking in to a background check and a credit chck on me right now. It is ntof air, If I can not work how cna I ever pay anything. This seems like ti is very bias towards certain people. Equifax is horrible and needs to be fined. I can not get a report from any of them..I can not even file a dispute..
In the wake of Equifax 's unethical handling of our information that we did n't choose to provide, I have been unable to immediately get credit freezes because of demands for police reports, newly created run-arounds by XXXX in order to trick me into buying their fraud monitoring instead of simply allowing me to get the credit freeze I need, as well as steep fees for the credit freezes that keep myself and others like me from being in control of our identity.
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX XXXX 30 days past due as of XXXX XXXX, XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.