WillisBack/dataset-financial-user-claim huggingface dataset:
Bank of America representative XXXX called my home 364 days straight in XXXX and also called an hung up when I did not answer XXXX times each of those 364 days but did not leave his name. The calls came in between XXXX est and XXXX est. Sometimes every half hour for several hours. The three years or so before these harassing calls I tried to speak with Bank of America representatives and was cursed at, threatened, degraded, hung up on by them only to be called back every XXXX minutes until I picked up again. I went in person the the local Bank of America Branch to report this and the Branch assistant mgr said she know this is a common complaint and nothing can be done. I was shaking so bad I could barely speak and tell her what they are doing and how much it disrupts daily life to the point I cringe each time the phone rings. To add insult to injury my credit score is damaged and the Bank of America actually states the kind of loan I have - interest only home equity loan - can not possibly be the type I received as it is not allowed by law! I do have XXXX! The interest only home equity loan was given to me XXXX and here it is XXXX and the Bank of America is a nightmare that will not end. I am on the do not call list, have been for years. I am on XXXX since XXXX and all I am seeking is an immediate and final correction and repair of my credit and no longer be afraid to answer my phone.
Mr cooper neglected to forward my mortgage payment information to the credit report companies and my credit score went down exactly 100 points. I have never paid my mortgage late, in fact it is paid up all the way through to XX/XX/XXXX ( today is XX/XX/XXXX ) .I have also paid substantial amounts each month to the principal. My co-signor and I both live in Michigan and our car insurance uses our credit score to set our rates. This credit information needs to updated immediately to prevent this from  happening. Also my credit is completely tied up because it shows it as being poor. Please help.
I have contacted XXXX, XXXX and Experian about unauthorized inquiries. I have asked more than 3 times for them to remove them and they keep telling me that they can not. The dates are ranging from XXXX to XXXX.
I have encountered several incidents of financial identity theft dating back since XXXX 2014. As of XXXX 2014 a credit card was applied for online using my personal information. I was made aware of this per phone calls I received regarding non-payments. I did not apply for this credit card nor do I know where it has been used.
In XXXX we bought a home and it was new construction. The county had not assessed the home yet for taxes so the lender used 1.25 % of our purchase price as an estimate. They collected three months of the estimated taxes and each month when we make our payment they were collecting {$490.00} for taxes. In our state taxes are due in XX/XX/XXXX and XX/XX/XXXX. The county had not updated our taxes by XX/XX/XXXX so I called the lender to see if they could release some of the escrowed taxes. They said they could n't until XXXX XXXX assessed the home and we got a statement. On XXXX/XXXX/XXXX we got our statement with our fully assessed taxes from the county. I contacted Evergreen Home Loans via email message on the website and phone. A rep told me she would submit the statement to the escrow department and it would be resolved in 3 days. I was never contacted again. I called back in on XXXX XXXX and a new rep helped me. She said the previous rep had never initiated anything but she would help me. She even looked up the statement with the county while on the phone with me. She told me it would be resolved and I would get a call in three days. Another three days went by and still no call. On XX/XX/XXXX I messaged them again via their website. This time the rep said they wo n't review until after the account is a year old, but they were making an exception. SHe said I was getting {$3200.00} and it would be here in 7 to 10 days. I asked her if my payment was changing also ( it should go down {$70.00} ) and she said no ... they wo n't change that until XX/XX/XXXX when the account is a year old. Then, she sent another message stating they were sending {$2800.00}, not {$3200.00}, they did their math wrong. When I messaged back asking if I could get an explanation or a phone number to call an escalation office she did not respond at all. 5 days later I got a generic message stating to call customer service with further questions. Today I looked at my account and they are showing my bi-annual taxes are {$2900.00}. They have been provided with my tax statement that clearly shows my bi-annual tax payments are {$2500.00}. They should be collecting now $ 418 monthly for taxes. As of today they are collecting {$490.00}. Previous to my submitting the statement the escrow info showed {$1.00} owed. Then they updated to the correct amount of {$2500.00}. Now they changed it to {$2900.00} for no apparent reason. My escrow balance is {$3800.00}. When I make my XX/XX/XXXX and XX/XX/XXXX payment the balance will be {$5500.00}. Taxes are due at {$2500.00}, and insurance is due at {$840.00}. Also I have PMI of {$290.00} per month. So on XXXX XXXX after everything is paid my balance will be {$1500.00}. Per HUD 's website they can only keep an overage of XXXX of my taxes and insurance amount due per year. ( XXXX x XXXX = {$930.00} ) So they should be returning an additional {$640.00} to me. I have yet to receive the {$2800.00} they claim they sent on XX/XX/XXXX, but I trust it is coming.
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.
I have previously requested lower monthly payments with Navient, my primary private student loan lender. I consistently have insurmountable issues with them and with repaying the loan. I 'm currently making {$780.00} a month payments on {$89000.00} loans, of which all of them have interest rates higher than 9 % ( two of them are over 12 % ). Effectively, I 'm paying interest only payments every month with minor scrapes into the overall chunk. I can barely afford to pay the {$780.00} a month and need to lower my interest rate with this company but they will not allow me to do so, given the terms of the loan. I 've tried to consolidate my loans with other companies but my debt to income ratio is too high and I am denied time and time again. Cosigning is not an option for me - I have no one willing to take the risk and my mother is fighting a foreclosure on our childhood home. 

I am full on drowning in student debt and am living on $ XXXX a week. I need help and I do n't know where to turn but this seemed to be a step in the right direction. Please, I 'm desperate for help.
Midland Funding violated the FDCPA a several ways.. 
1 ) On XX/XX/2018, XX/XX/2018, XX/XX/2018 I contacted Midland about me disputing this account. Each time afterwards I received back to back calls from them. 30 minutes apart for 5 hrs. 
2 ) On XX/XX/2018 Mr XXXX from Midland yelled at me, threatened to sue me, told me I was a liar. 
3 ) On XX/XX/2018 Midland called and when my boyfriend answered they gave out personal information on the collection account. 
4 ) Midland will not provide verification of debt after it has been requested 5 times. But Midlands XXXX (? Think given flake name ) verified they had received the request from me.
These folks are calling my Phone # every day looking for XXXX XXXX. My name is XXXX XXXX XXXX and that phones # is in my name.
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XX/XX/XXXX on EXPERIAN credit file. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section XX/XX/XXXX ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
i have disputed these items with experian more than XXXX times and they will not remove them. I HAVE NEVER HAD a deliquent XXXX case with the courts i have submitted papers from the friend of the courts showing i donot have a case there and have not had a child support case there. My student loans are also not late and i have asked for them to be updated on multiple occasions. i have also requested proof of these late payments and this XXXX case and have not received either. this is my XXXX or XXXX dispute with the bureaus with these items
On XX/XX/2017, I made a payment to American Express in the amount of {$3700.00} for my corporate American Express card via XXXX XXXX online Bill Pay. However, the payment never posted to my account. After months of calling both American Express and XXXX XXXX, as well as, 3 failed Dispute filings, Im writing to engage both companies more formally and enlist support from agencies whose purpose it is to help protect consumers like me. 

American Express has held thousands of my dollars for 3 months claiming that it has not received my payment despite the fact that I have provided proof showing that the money has been sent. I dont know where American Express put my payment, but I want my payment immediately credited to my account permanently. 

Ive provided the XXXX XXXX proof of payment to American Express several times in the past 3 months. Additionally, on or about XX/XX/XXXX, a call took place that included an American Express representative, a XXXX XXXX representative, and me. During this call, the XXXX XXXX representative provided to the American Express representative the full American Express account number to which the payment was sent. XXXX XXXX has been unwilling to share the number with me due to privacy issues. Unfortunately, that call was disconnected before the American Express representative confirmed that she had found and applied the credit appropriately to my account. Despite that call and my 2 other dispute filing, American Express has failed to properly credit  my account. Please check the recorded phone records for the full American Express account number that XXXX XXXX provided as the account to which the payment was made. 

Please also look for accounts under my maiden name.
i was informed of this debt in   XXXX   XXXX   they said i started an apartment lease with centerport landing apartments in forth worth i have tried several times to get information inregards to the lease. the lease is not mine and they keep telling me it is. I have sent several letters and the FTC identity theift report plus a police reports.   i need this off my record and have my name cleared
I opened a credit card with Barclaycard Finance in XX/XX/2014 and I purchased a laptop from XXXX. In addition, I purchased little things over the last 18 months. I signed up for e-bills and I do n't use anything but their mobile application. When I log in to see my statements, there are no alerts or anything on their mobile application - just the transaction history. I called the other day and asked if I was on a 18 or 24 month promotional because I could n't remember and I had not received any alerts on the mobile site. When I called, she informed me that my promotional acctually expired and I am about get over {$700.00} in deferred interest. I asked how much of my balance was left and she informed my it was around {$1600.00}. My original purchase was about {$1600.00}. So, for 18 months, all my payments were going to the little purchases made instead of my promotional balances. The extra charges that I made on the credit card were no more than $ XXXX ( bare minimum finance charges that would bill ). I am highly upset by this. I would have rather the little $ XXXX {$5.00} finance charges billed than be billed over {$700.00}. I thought this type of payment hierarchy was against the law, guess not. I guess their take is - Better take care of the little finance charges and bill the customer the big deferred interest and ruin their credit as it will take them over their credit limit.
Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.
On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ XXXX ]
This company northwood asset management has repeatedly contacted me and other XXXX party persons not associated with the person they attempting to collect a debt from. When asked to stop and told they can not call us they have threatened and used obscene language and threatened us. When told this is not the number to contact said debtor they insist we must give them information about us and the person they are attempting to contact.
Recorded message> Hello this is " Haris & Haris Ltd, Phone # XXXX, Says that the company is a Debt collector. Gives times to Call! I am not in Debt and never have been! May be tryiong to reach another person with a similar name! I an not here for their information ABOUT SOMEONE ELSE I HAVE RECEIVED 4 CALL IN ONE MONTH!!! Thank You!!! 

XXXX XXXX
I have made a transaction using Chase quickpay. I sent money and turns out that was a fraudulent account. Chase advertises their quickpay option as a safe and protected way to send money, but I contacted them and they told me they can't do anything to get my money back. I wanted to cancel the transaction and they would not let me even though it still says " pending. '' Please do not advertise or work with a money transferring company if you do not protect users from scam. I found out that the person I sent money to was an identity thief and Chase won't even protect their customers from that.
My debit card had 2 unauthorized charges and I called it in to wells fargo.  they gave me a claim number.  4 days later, the charges were taken out of my account.  I went to the branch and got a temporary card and was told that wells fargo treats their debit card holders like second class citizens as compared to the credit card holders.  They do not refund the debit card unauthorized charges for up to 10 business days.  Credit card holders are credited immediately.   When I questioned wells fargo about their treatment, they cited that there are 2 procedures for refunds.  This is wrong.Additionally, I was told that when I called and got a claim # that I should have been told to call the fraud people.  I was not told this.  They led me to believe that until I talked to them today, that nothing would happen to the credits til I called.  This is a lot of double-speak.They should treat debit cards and credit cards the same.
I have a fairly new loan with this company and since day XXXX I 've had nothing but issues with payments and being told XXXX thing and the company does something different. The first issue was when I was told that the company would honor the date on a check I had wrote for my payment it was a holiday and I knew the checked would be delayed. The rep I spoke to assured me it would n't cause me to be 30 days late but indeed it did and they did n't honor the check date like they said they would. After reviewing my credit and seeing a 30 day late status I contacted them again and explain the situation and they told me they would credit back the late fees and soon after I found out in XXXX from a supervisor they did n't after I was told in XXXX they did. Next issues was that the company never informed me that XXXX payment was n't made until XXXX when I was confused of why my credit report was now showing 90 days late. The company time after time promised things and did n't hold their end of the deal.
I filed for the Federal Forgiveness Program with the Education Department, and received a certification that my employer and my loans qualified under the program. My loans were automatically transferred to FedLoan. FedLoan sent me a notice stating I did n't qualify for the program and that they had increased my monthly payments. I did not receive an explanation for either.
Ive never ordered anything from XXXX ever. I do n't know whose debt this is but it is not mine. I 've never ordered anything from this company
I have been receiving very RUDE calls from a debt collection agency called XXXX XXXX  on behalf of XXXX. XXXX. Stating that I owe an out standing bill amount for cell phones of which i do NOT have and an outstanding balance of over {$1000.00}. My name is XXXX I've explained this over and over time and again to these individual 's that keep calling me that I don't have the products in question but also I have only missouri XXXX AND XXXX. income i have been XXXX since XXXX. And this debt collection agency has been calling me since XXXX. No other icome do I have except the {$770.00} per month that is as Ive learned in the past year are both State and Federally protected. But they keep calling me even as going as far as calling me out by First name getting rude with me and saying things like what your XXXX etc etc. I just would like the debt gone and some dignity intact I am a proud Veteran of the XXXX and I dont appreciate being belittled over the phone. I was raised right and use my manners even when someone as rude as that lady said that awful stuff to me.
This is a second complaint regarding the same issue i.e. PNC Bank 's lack of response to our original request as detailed in CFPB Complaint number XXXX. 

Specifically we request PNC to comply with our Attorney 's Demands for an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX. 

Our Attorney had sent the first Demand letter dated XX/XX/XXXX with response requested from PNC by XX/XX/XXXX. A second request was sent on XX/XX/XXXX with response requested by XX/XX/XXXX. Both letters Demanded an immediate Reconveyance and Production of Documents for PNC Lien Account number XXXX per our legal counsel, neither Demand was acknowledged or answered PNC 's final response to our initial complaint was they did not receive the letters. This is not accurate as both were sent via Certified Mail, return receipt requested. Both letters are attached to our original complaint. As a older veteran caring for a XXXX wife PNC 's lack of response to the points detailed in the letters from our Attorney is causing us great emotional and economic distress. I would ask the CFPB to demand the immediate Reconveyance and Production of Documents or have PNC respond as to why they will not comply with the law as outlined by our Attorney.